annex protocol gener agreement trade servic member world trade organis hereinaft refer wto schedul specif commit list exempt articl ii gener agreement trade servic financi servic annex protocol hereinaft refer member concern carri negoti term decis financi servic adopt council trade servic juli agre schedul specif commit list exempt articl ii financi servic annex protocol relat member entri forc protocol member replac financi servic section schedul specif commit list articl ii exempt member protocol open accept signatur member concern januari protocol enter forc dai date accept member concern januari accept member concern member accept date period dai decid entri forc protocol deposit director gener wto director gener wto promptli furnish member wto certifi copi protocol notif accept thereof pursuant paragraph protocol regist accord provis articl charter unit nation geneva twenti seventh dai februari thousand hundr nineti singl copi english french spanish languag text authent provid respect schedul annex hereto annex european commun member state schedul specif commit supplement authent english french spanish text replac financi servic section contain document gat sc suppl rev gt tabl gt addit commit european commun member state insur european commun member state note close cooper insur regulatori supervisori author member state encourag effort promot improv supervisori standard member state make endeavour month complet applic licenc conduct direct insur underwrit busi establish member state subsidiari accord legisl member state undertak govern law countri case applic refus member state author make endeavour notifi undertak question give reason refus applic supervisori author member state make endeavour respond undu delai request inform applic statu complet applic licenc conduct direct insur underwrit busi establish member state subsidiari accord legisl member state undertak govern law countri european commun member state make endeavour examin question pertain smooth oper intern market insur issu impact intern market insur european commun member state note motor insur ec law forc decemb prejudic futur legisl premium calcul take risk factor account european commun member state note ec law forc decemb prejudic futur legisl prior approv nation supervisori author polici condit scale premium insur undertak intend gener requir european commun member state ec law forc decemb prejudic futur legisl prior approv nation supervisori author increas premium rate gener requir financi servic applic relev ec direct member state make endeavour month complet applic licenc conduct bank activ establish member state subsidiari accord legisl member state undertak govern law countri case applic refus member state make endeavour notifi undertak question give reason refus applic member state make endeavour respond undu delai request inform applic statu complet applic licenc conduct bank activ establish member state subsidiari accord legisl member state undertak govern law countri applic relev ec direct member state make endeavour month complet applic licenc conduct invest servic secur field defin invest servic direct establish member state subsidiari accord legisl member state undertak govern law countri case applic refus member state make endeavour notifi undertak question give reason refus applic member state make endeavour respond undu delai request inform applic statu complet applic licens conduct invest servic secur area establish member state subsidiari accord legisl member state undertak govern law countri european commun member state final list articl ii mfn exempt authent english gt tabl gt decis adopt protocol gener agreement trade servic adopt committe trade financi servic novemb committe trade financi servic regard result negoti conduct term decis financi servic adopt council trade servic juli decid adopt text protocol gener agreement trade servic commenc immedi continu date entri forc protocol gener agreement trade servic member concern fullest extent consist exist legisl measur inconsist undertak result negoti committe monitor accept protocol member concern request member examin concern rais applic paragraph decis decemb commit financi servic adopt council trade servic decemb council trade servic regard decis financi servic adopt council trade servic juli note result negoti carri term decis regard decis adopt protocol gener agreement trade servic adopt committe trade financi servic novemb decid protocol gener agreement trade servic gat enter forc accord paragraph notwithstand articl xxi gat member period dai begin march modifi withdraw part commit financi servic inscrib schedul notwithstand articl ii gat paragraph annex articl ii exempt member period refer paragraph list annex measur relat financi servic inconsist paragraph articl ii gat committe trade financi servic establish procedur implement paragraph