Proposed small saver deposit instruments [microform] : hearing before the Subcommittee on Financial Institutions Supervision, Regulation and Insurance of the Committee on Banking, Finance and Urban Affairs, House of Representatives, Ninety-sixth Congress, first session, May 7, 1979.

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The role of deposit insurance and bank’s asset size in the 2008 financial crisis

In this paper we analyze the role of deposit insurance in providing the market with liquidity in times of financial turmoil. To do so, we look at the variation in insured and uninsured deposits between 2005Q3 and 2011Q3, controlling for liquidity, solvency and capital adequacy indicators, and find evidence that deposit insurance does provide some confidence in keeping funds in banks in times of turmoil. Additionally we follow an event study methodology to assess the impact of deposit insurance oriented policies on bank holding companies stock market returns, and find a TBTF effect.

Certificates of Post Office Registration

Certificates of Post Office Registration: Certificates numbered 840-845 and 469-474, all postmarked at St. Catharines, Ontario, 1882, 1884.

The pricing of deposit insurance in the presence of systematic risk

Based on the Merton (1977) put option framework, we develop a deposit insurance pricing model that incorporates asset correlations, a measurement for the systematic risk of a bank, to account for the risk of joint bank failures. Estimates from our model suggest that actuarially fair risk-based deposit insurance that considers only individual bank failure risk is underpriced, leaving insurance providers exposed to net losses. Our estimates also capture the size premium where big banks are priced with higher deposit insurance than small banks. This result is particularly relevant to the current regulatory concerns on big banks that are too-big-to-fail. Above all, our approach provides a unifying framework for integrating risk-based deposit insurance with risk-based Basel capital requirements.

Verification of Certificates of Origin in Economic Integration Agreements Signed by Latin American Countries

As explained in issue No. 236 of the FAL Bulletin in April 2006, the origin procedures in economic integration agreements (EIAs) signed by Latin American countries pertain to the issuance of certificates of origin and to the verification of origin when a product is imported. While that issue focused exclusively on the issuance of certificates of origin, the present edition concludes the cycle by dealing with the verification of that origin. Both subjects are related to the document entitled "Emisión y verificación de origen en acuerdos de integración económica suscritos por países de América Latina: debilidades y fortalezas".

Issuing of certificates of origin in some economic integration agreements signed by Latin American countries

In the context of an economic integration agreement (EIA), the issuing and verification of certificates of origin are carried out in accordance with procedures which ensure compliance with the rules of origin. Each EIA has its own system of rules of origin with their corresponding procedures. The purpose of the rules is to define clearly the geographical provenance of a good which may benefit from preferential tariffs in the importing country. The main purpose of the rules of origin is to avoid the diversion of trade, so that preferential tariff treatment is applied only to those products negotiated between the parties. The rules of origin of an EIA are more important than the actual process of tariff reduction, as that process is concluded at some point in time, whereas the rules of origin remain applicable indefinitely.

Verification of Certificates of Origin in Chile

Origin procedures concern both the issuance and verification of certificates of origin. Certification of origin consists of demonstrating that a product complies with standards of origin that qualify a good for access to the corresponding tariff preferences in a destination market, and that no triangulation has occurred in this process. Verification of origin means not only formally checking the validity of the certificate of origin, but also ensuring that the merchandise covered by the certificate genuinely qualifies as originating. All trade agreements carry rules on origin procedures, which continue to apply after the corresponding tariff reduction programmes have concluded.  This edition of the bulletin examines the case of Chile, because of the large number of trade agreements the country has signed.

Estimation of deposit and spray distribution in hydro sensible paper and morning glory plant

Herbicides application success depends, besides product correct choice, the observation of environmental conditions and application quality. The work aimed to quantify the effects of surfactant addition in spraying solution, in natural and artificial targets, associated to different nozzle boom angles in relation to application offset, by using distinct evaluation methods. Two experiments were conducted at NuPAM-FCA/UNESP, Botucatu County, São Paulo State, constituted by ten treatments, in factorial scheme 2 × 5, corresponding to two spraying solutions conditions (absence or presence of Aterbane BRTM (0.25% v/v) adjuvant) and five angles of spray nozzle in relation to offset application (-30°, -15°, 90°, +15° and +30°). In Ipomea grandifolia leaves, the distribution and drops deposition of a tracer solution were evaluated by using scores visual and spectrophotometer process. In hydro sensible papers, volumetric medium diameter (VMD), density (cm2 ) and drops medium diameter, covered area (%) and application fees (L ha-1) were evaluated through e-SprinkleTM software. Aterbane BRTM (0.25% v/v) presence or absence, associated or no, to spray nozzles offset did not provide significant differences in I. grandifolia spray deposition. The use of artificial targets presented applicative technical limitations in relation to the use of natural ones as study matrix. Deposit and distribution variables esteem distinct behaviours, independent of target nature.

Small-Scale Features of Marine Sediments and Their Importance to the Study of Deposit-Feeding

Techniques currently in use by sedimentologists for the study of marine sedment microfabric are of limited use for understandmg the relationship between sediment organic matter and mineral grains. In this article it is shown that by combining standard histological protocols for fixation and dehydration with petrological protocols for resin embedding and thin sectioning, very fine details of the sediment structure can be seen. Because of the ubiquitous presence of the organic matrix, organicmineral aggregates are not seen in situ. Other features of the sediment of importance to deposit-feeders, such as the presence of intact chloroplasts, can be observed through the use of epifluorescence illumination, while partially crossed polarizers help to delimit the grain boundaries. It is suggested that if these procedures can be combined with histological staining techniques, it may be possible to determine the potential food value of sedment on a scale equivalent to that perceived by infaunal deposit-feeders.

Market discipline by depositors : impact of deposit insurance on the Indonesian banking sector

This paper investigates market discipline by depositors in the Indonesian banking sector. Does depositor discipline fulfill its role in Indonesia? Does deposit insurance affect depositor behavior thereby imposing discipline on banks? These questions are empirically examined using panel data on Indonesian commercial banks from 1998 to 2009. In Indonesia deposit insurance was introduced in 2005. Depositor discipline is examined by two measures: change in the amount of deposits and interest rate. The empirical results show that depositors pay attention to bank soundness and riskiness and select banks based on the bank's condition with particular attention paid to equity ratio. It is found that depositors impose discipline on banks, but it varies according to regulatory and economic circumstances.

[Receipt for certificates of funded debt], 1791 January 28

Printed Commissioner's Office receipt form acknowledging three certificates of funded debt received by Caleb Gannett from Nathaniel Appleton, Commissioner of Loans in the State of Massachusetts. The receipt, No. 712, is signed by Gannett and dated January 28, 1791.