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MEMBERS OF THE WORLD TRADE ORGANISATION (hereinafter referred to as „the WTO”) whose Schedules of specific commitments and lists of exemptions from Article II of the General Agreement on Trade in Services concerning financial services are annexed to this Protocol (hereinafter referred to as „Members concerned”), Having carried out negotiations under the terms of the second Decision on financial services adopted by the Council for Trade in Services on 21 July 1995 (S/L/9), AGREE AS FOLLOWS: EUROPEAN COMMUNITIES AND THEIR MEMBER STATES SCHEDULE OF SPECIFIC COMMITMENTS Supplement 4 (THIS IS AUTHENTIC IN ENGLISH, FRENCH AND SPANISH) This text replaces the financial services section contained in document GATS/SC/31/Suppl. 1/Rev. 1. Modes of supply: (1) Cross-border supply (2) Consumption abroad (3) Commercial presence (4) Presence of natural persons ADDITIONAL COMMITMENTS BY THE EUROPEAN COMMUNITIES AND THEIR MEMBER STATES INSURANCE OTHER FINANCIAL SERVICES EUROPEAN COMMUNITIES AND THEIR MEMBER STATES FINAL LIST OF ARTICLE II (MFN) EXEMPTIONS (This is authentic in english only) THE COMMITTEE ON TRADE IN FINANCIAL SERVICES, Having regard to the results of the negotiations conducted under the terms of the Second Decision on Financial Services adopted by the Council for Trade in Services on 21 July 1995 (S/L/9), DECIDES AS FOLLOWS: THE COUNCIL FOR TRADE IN SERVICES, Having regard to the Second Decision on Financial Services adopted by the Council for Trade in Services on 21 July 1995 (S/L/9), Noting the results of the negotiations carried out under the terms of that Decision, Having rgard to the Decision adopting the Fifth Protocol to the General Agreement on Trade in Services adopted by the Committee on Trade in Financial Services on 14 November 1997 (S/L/44), DECIDES AS FOLLOWS: