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Security Deposits: A Crucial Aspect of Banking Services

As part of our commitment to providing exceptional banking experiences, we would like to highlight the importance of security deposits in our services. In this article, we will delve into the various activities that are related to security deposits, including the collection of interest, redemptions and dividends, the exercise of or realization of claim rights, and more.

Managing Security Deposits

In the event that securities have been entrusted to third parties under the provisions of our General Terms & Conditions, these third parties will be responsible for administering those securities. However, we are obligated to pay over any amounts received from these third parties to our clients in respect of interest, redemption, dividend or other accounts.

Purchasing and Selling Securities

We have the authority to carry out all instructions regarding the purchase and sale of foreign currencies, securities, coupons, negotiable paper, and the placement or raising of monies with securities as collateral. We may exercise this discretion with ourselves or third parties as the other party.

Conditional Crediting

Each credit entry made by us is subject to the receipt of equivalent assets from or for our clients. If these assets are not received properly and in a timely manner, we reserve the right to reverse all or part of the credit entry. We may also request security or block part of the credit balance in the account for this purpose.

Using Forms

We may require our clients to use specific forms, data carriers, and other means of communication established by us or approved by us for all transactions with us. These forms must be filled out completely, and we reserve the right not to execute instructions if they are not used as required.

Reporting Lost or Stolen Forms

In the event that a form is lost or stolen, our clients are obligated to report this in writing to our notification center immediately after becoming aware of the loss. Until we have acknowledged receipt of this notification, any consequences arising from the use of these forms will be for the client’s account and risk.

Commissions and Compensations

We charge our clients a fee for our services, which may include commissions, interest, and costs. We provide information about our fees as much as reasonably possible, and we ensure that this information is easily accessible from us. If no fee or rate has been agreed upon between us and the client, we will charge a fee according to the rate applied in comparable cases.

Rate Changes

We reserve the right to change our rates at any time, unless we have agreed on a fixed fee with the client for a specific period. When changing rates, we take into account all relevant circumstances, including market conditions, changes in risk profile, and developments in the money or capital market. We will inform our clients about rate changes as much as reasonably possible in advance.

By understanding these aspects of security deposits, our clients can better appreciate the measures we take to ensure the safekeeping and management of their securities. If you have any questions or concerns about security deposits, please do not hesitate to contact us.