decis eea joint committe novemb amend annex xii free movement capit eea agreement eea joint committe regard agreement european econom area amend protocol adjust agreement european econom area hereinaft refer quot agreement quot articl thereof annex xii agreement amend decis eea joint committe regul ec european parliament council decemb cross border payment euro incorpor agreement decid articl point insert point direct ec european parliament council annex xii agreement quot regul ec european parliament council decemb cross border payment euro oj provis regul purpos present agreement read adapt credit institut authoris liechtenstein exempt oblig provid articl regul juli quot articl text regul ec iceland norwegian languag publish eea supplement offici journal european union authent articl decis enter forc novemb provid notif articl agreement made eea joint committe articl decis publish eea section eea supplement offici journal european union brussel novemb eea joint committe presid hsh prinz nikolau von liechtenstein oj oj constitut requir