CTK announced that the Czech Bank Association (CBA) has approved a code of conduct which sets out client and bank relationships. The agreement has also been approved by the anti-monopoly office. Banks can decide whether they will accept this code. Komercni banka and Ceska Sporitelna will join the agreement. Note, as published earlier, that intended changes concern the simplification of the fee structure to improve client's standing (e.g., advance info about fee changes, the cancellation of some charges, and the creation of an ombudsman’s office). The agreement and implementation schedule should be known in January 2006.