‹ PD-4.3.3 PD-4.3.5 › PD-4.3.4 Past version: Effective from 01 Oct 2007 to 31 Mar 2008 To view other versions open the versions tab on the right Retail banks are left free to decide their own basis of charging and to make changes to it as they consider appropriate. October 07 ‹ PD-4.3.3 PD-4.3.5 ›