By-laws of the Deposit Protection Fund

of protection of deposits to the Auditing Association or another suitable third
party; such delegation must be notified to the bank concerned in writing.
In the event of such delegation of the tasks of the Auditing Association to
another suitable third party, all references in the present By-laws to the Auditing
Association shall apply analogously to any other suitable third party appointed
by the Banking Association.
8. The bank whose participation in the Fund has terminated shall provide on
request to the Auditing Association details and proof of the deposits still
protected under the By-laws. The details and proof may be verified on the
basis of the provisions contained in the present By-laws and in the Articles of
the Auditing Association on the furnishing of information, the presentation
of documents and proof and the performance of on-site audits. Where such
details or proof are not provided in due time, the most recently determined
assessment basis, own funds factor and loss buffer ratio shall continue to apply
for the purpose of calculating the annual contribution.
Section 4a – Risk assessment
1. The banks shall undergo a risk assessment annually. The risk assessment shall
be based on a credit rating to be performed by the Auditing Association or one
of its subsidiaries, the own funds factor and the loss buffer ratio. Further details
are contained in the “Risk Assessment Rules”, which form part of the present
By-laws. In deviation from sentence 1, the credit rating may also be performed
where there is reason to believe that the situation of the bank has changed
significantly since the last credit rating.
2. The banks shall be obliged to provide the information needed for the credit
10 By-laws Section 4 – Section 4a