DOCUMENTOS PARA LISTAS

MEMORIA DE LABORESDIRECCIÓN EJECUTIVA

(2006-2007)

Durante el período de julio 2006 a junio 2007 la Dirección Ejecutiva de Cámara de Industria de Guate-mala realizó importantes actividades en apoyo a la labor que la Junta Directiva realiza y por lo tanto en beneficio del sector industrial guatemalteco organizado.

Dentro de esas actividades se pueden mencionar las siguientes:

→ Desayunos informativos dirigidos a socios, comunidad diplomática y público en general realizados con el objetivo de dar a conocer temas de interés nacional.

→ Participación en todas las actividades que las distintas instituciones gubernamentales y privadas han esta-do realizando en el marco del Acuerdo de Asociación entre Centroamérica y la Unión Europea. Así tam-bién, se coordinaron las representaciones del sector industrial para participar de cerca en esta negociación.

→ Acercamiento con los medios de comunicación escritos, televisivos y radiales a través de conferencias de prensa, declaraciones y participación en programas con el objetivo de informar a los industriales gua-temaltecos y población en general la posición de nuestro sector con relación a temas de interés nacional.

→ Reuniones de acercamiento con el cuerpo diplomático acreditado en Guatemala en apoyo a los proyectos que el sector industrial realiza para contribuir al desarrollo de nuestro país.

→ Se coordinó la participación del Dr. Ricardo Lagos, expresidente de la República de Chile, como orador principal en el XII Congreso Industrial llevado a cabo el 6 de junio de 2007. Así también, la participación de los distintos candidatos presidenciales y vicepresidenciales en un debate que permitió a los industriales guatemaltecos formarse una idea más clara del rumbo que puede tomar nuestro país luego de las eleccio-nes generales.

→ De cara a esas elecciones generales a llevarse a cabo en septiembre de 2007, Cámara de Industria de Guatemala realizó una serie de reuniones con los distintos partidos políticos (candidatos a presidente y secretarios generales) para conocer sus planes de gobierno y a la vez comunicarles la agenda del sector industrial guatemalteco. Con él ánimo de que todos los guatemaltecos conocieran dichos planes de gobierno, se llevaron a cabo los Foros Cívico Políticos, en los cuales se les dio la oportunidad a los candidatos a la presi-dencia, vicepresidencia, alcaldes y diputados al Congreso de la República de compartir con la pobla-ción sus propuestas de gobierno.

→ Tanto el XII Congreso Industrial como los Foros Cívico Políticos fueron posibles en parte gracias al aporte económico recibido del Gobierno de la República de China (Taiwán)

→ Instancias en las que la Dirección Ejecutiva ejerció representación por mandato de la Junta Directiva:

1. Federación de Cámaras de Industria de Centro América y Republica Dominicana –FECAICA-

2. Comité Ejecutivo de Cámara de Industria de Guatemala3. Comisión Política de Cámara de Industria de Guatemala4. Comisión Legal del CACIF5. Comisión de Comunicación del CACIF

1. Comisión Empresarial de Negociaciones Comerciales Internacionales –CENCIT-2. Junta Directiva del Crédito Hipotecario Nacional de Guatemala3. Secretario General del Comité Nacional de la Cámara de Comercio Internacional (ICC por sus

siglas en inglés) cuya sede funciona en Cámara de Industria de Guatemala.4. Mesa Ambiental coordinada por la Vicepresidencia de la República5. Directorio del Comité Consultivo del Sistema de Integración Centroamericana (CC-SICA) en

representación de FECAICA y como tal participó en las siguientes actividades:

• Encuentro centroamericano sobre los tratados de libre comercio: “Desafíos para la Integración Regional ante las Perspectivas de un Acuerdo de Asociación con la Unión Europea, llevado a cabo el 12 y 13 de oc-tubre de 2006, en Guatemala.

• Reunión del Directorio del CC-SICA, el 8 de noviembre de 2006, en San Isidro Coronado, Costa Rica.

• Reunión del Directorio del CC-SICA, los días 8, 9 y 10 de febrero de 2007, en El Salvador.

• Tallerparalaidentificaciónyvalidacióndelaplataformaprogramáticadelasociedadcivilcentroamericanapara la negociación del Acuerdo de Asociación entre la Unión Europea y Centroamérica, realizado el 3 y 4 de marzo de 2007, en Tegucigalpa, Honduras.

• II Encuentro de la Sociedad Civil Unión Europea – Centroamérica, llevada a cabo el 5 y 6 de marzo de 2007, en Tegucigalpa, Honduras.

• Reunión del Directorio del CC-SICA, los días 22, 23 y 24 de marzo de 2007, en Guatemala, ante la Comi-sión Mixta UE CA.

• Participación en las reuniones que el Capítulo Guatemala del CC-SICA realiza periódicamente.

→ Con el ánimo de cubrir a cabalidad las necesidades de los agremiados la CIG realizó una serie de alianzas estratégicasmediantelafirmadeconveniosdecooperaciónconInstitutoTécnicodeCapacitación(IN-TECAP), Secretaría Nacional de Ciencia, Tecnología e Innovación (SENACYT), Empresarios por la Edu-cación, Embajada de la República de China (Taiwán), Foro Permanente de Partidos Políticos, Ministerio de la Defensa Nacional, Universidad de San Carlos de Guatemala.

→ Cámara de Industria de Guatemala en conjunto con la Universidad de San Carlos de Guatemala Comité Nacional de la Cámara de Comercio Internacional (ICC por sus siglas en inglés) iniciaron la ejecución de delaMaestríadeDerechoMercantilyCompetitividad,lacualfinalizaráenelaño2008.Loanterior,comoresultadodelafirmadelconveniodecooperaciónfirmadoconlaUniversidaddeSanCarlosenenerode2007.

→ Conferencias impartidas:

־ Los derechos humanos ante los cuerpos ilegales y aparatos clandestinos de seguridad en el 2º. Taller Preparatorio de la V Conferencia Nacional sobre Derechos Humanos: “Gobernabilidad Democrática y Derechos Humanos” realizado el 13 de junio de 2007.

־ Curso especializado regional sobre Productividad y Competitividad de Cooperativas en el marco del Programa de Desarrollo Gerencial Cooperativo de la Confederación de Cooperativas del Cari-be y Centroamérica, realizado del 21 al 23 de febrero de 2007, la ciudad de Guatemala. Presenta-ción disertada “La Productividad y Competitividad: posición de los industriales”.

־ IV Conferencia Nacional sobre Derechos Humanos “Estado de Derecho y Derechos Huma-nos”, realizada el 29, 30 y 31 de agosto de 2006, en la ciudad de Guatemala. Participación como expositor, en representación del sector privado, en la primera sesión plenaria con el tema “Admi-nistración de justicia y modelo democrático”.

→ ParticipaciónenelForodelaCuencadelPacificorealizadoenCali,Colombia,el29y30deenerode 2007. Organizado por Asociación Nacional de Comercio Exterior de Bogotá, Colombia y el Mi-nisterio de Comercio, Industria y Turismo de Colombia. Países participantes: México, Guatemala, El Salvador, Honduras, Nicaragua, Costa Rica, Panamá, Ecuador, Perú, Chile y Colombia.

MEMORIA DE LABORES 2006 -2007

INDICE

Cap. Contenido Pág.I CARTA DEL PRESIDENTE 1II JUNTA DIRECTIVA DE CÁMARA DE INDUSTRIA DE GUATEMALA 2006-2007 3III PRESIDENTES DE GREMIALES 4IV PRESIDENTES DE FILIALES V REPRESENTACIONES ANTE ORGANISMOS Y ENTIDADES VI DIRECCIÓN EJECUTIVA 6.1 Asesoría Legal 6.2 ComisióndeResolucióndeConflictosdelaCámaradeIndustriadeGuatemala(Crecig)6.3 ComitéNacionaldelaCámaradeComercioInternacional(ICCGuatemala)6.4 Comunicación y Publicaciones 6.5 Responsabilidad social empresarial VII SERVICIOS DE ESTUDIOS 7.1 ClusterdeManufacturas7.2 ClusterdeEmprendimiento7.3 XIICongresoIndustrial7.4 INDUEXPO2007-----------GERENCIAGENERAL------VIII COMERCIO EXTERIOR Y AMBIENTE 8.1 ComercioExterior8.2 Ambiente:ComisióndeMedioAmbientedeCámaradeIndustriadeGuatemala(Comacig)8.3 CentroGuatemaltecodeProducciónMásLimpia(CGP+L)8.4 ComisióndeFacilitacióndelComercio(Conafácil)8.5 ForosdeComercioExteriorIX FINANZAS Y ADMINISTRACIÓN 9.1 Informática9.2 CapacitaciónyEventos9.3 MercadeoyServicioalSocio X GREMIALES DE CÁMARA DE INDUSTRIA DE GUATEMALA 10.1 AsociacióndeGeneradoresconEnergíaRenovable(AGER)

GremialdeIndustriasdeGeneracióndeElectricidaddeOrigenHidráulicayGeotérmica10.2 AsociacióndeProductoresdeJugosyNéctaresdeCentroamérica-Aprojuneca-GremialdeBebidasnoCarbonatadas10.3 GremialdeArtesGráficaseImpresión10.4 GremialdeEmpresasdeInformática10.5 GremialdeEnvasadoresdeAgua10.6 GremialdeFabricantesdeCalzadoyProductosAfines10.7 GremialdeFabricantesdeProductosAlimenticios–Grefal-10.8 GremialdeFabricantesdeProductosFarmacéuticos10.9 GremialdeGrandesUsuariosdeEnergíaEléctrica10.10 GremialdeIndustrialesExportadores(Giexport)10.11 GremialdeIndustriasdelaMetalurgia10.12 GremialdeLácteosyDerivados10.13 GremialdeMinas,CanterasyProcesadoras10.14 GremialdeOperadoresdeTelevisiónporCable10.15 GremialdeRestaurantesyProcesadoresdeAlimentos-Gregua-10.16 GremialdeTelecomunicacionesdeGuatemala10.17 GremialdeVallasyRótulosPublicitarios10.18 GremialForestalXI FILIALES DE CÁMARA DE INDUSTRIA DE GUATEMALA 11.1 FilialNoroccidente,Huehuetenango11.2 FilialOccidente,Quetzaltenango11.3 FilialOriente,Zacapa11.4 FilialSur,Escuintla11.5 FilialSur-OccidenteyGremialdeAvicultores,RetalhuleuXII ASOCIADOS DE CÁMARA DE INDUSTRIA DE GUATEMALA XIII ESTADOS FINANCIEROS 13.1 Estadodeingresosyegresos13.2 Balancegeneral

Socios ActivosProyectosHidroeléctricos

Representante Proyecto MwTecnoguat, S.A. San Isidro 4.4Hidroeléctrica Candelaria, S.A. Candelaria 4.5Hidronorte, S.A. Río Bobos 10Tecnoguat, S.A. Matanzas 11.2Papeles Elaborados, S.A. Poza Verde 12Inversiones Pasabien, S.A. Pasabien 12Generadora Montecristo, S.A. Montecristo 13Hidroeléctrica Secacao, S.A. Secacao 16Hidroeléctrica Río Las Vacas, S.A. Río Las Vacas 40Generadora de Occidente, Ltda. Canadá 47Recursos Naturales y Celulosas, S.A. Renace 60Hidroeléctrica Río Hondo, S.A. Río Hondo XHidroeléctrica Xacbal, S.A. Xacbal X ProyectosGeotérmicosOrzunil I de Electricidad Ltda. Orzunil 18

Cursos y Asistencias Técnicas Intraempresa TEMA FECHA EMPRESAEl Servicio al Cliente es Primero 17-2 y 21-4-2007 Alimentos y Bebidas AtlántidaDesarrollo del potencial máximo de Ventas 27-1, 3 y 10-2-2007 Consumo de Artículos, S. A.Camarera de hotel 24 a 28-9-2006 Hotel El AtlánticoRepostería 28-8 a 5-9-2006 Hotel Pasabien

a) Except as otherwise provided herein this Bill of Lading shall have effect subject to the provisions of the Carriage of Goods by Sea Act of The United States of America, appoved April 16. 1935, which shall be deemed to be incorporated herein and nothing herein contained shall be deemed a surrender by the Carrier of any of its rights or immunities or an increase of any of its responsibilities or liabilities under said Act. Theprovisions stated in saidAct (exceptasotherwise specificallyprovidedherein) shallgovernbeforeloading on and after discharge from the vessel and througthout the entire time the Goods are in the custody of the Carrier. If this Bill of Lading is issued or delivered in a locality where there is in force a compulsorily applicable Carriage of Goods by Sea Act Ordinance or Statute of a nature similar to the international con-ventionfortheUnificationofCertainRulesRelatingtoBillsofLadingdatedaBrussels,August25,1924itshall be subject to the provisions of said Act. Ordinance of Statute and rules thereto annexed.

b) TheCarriershallbeentitledtothefullbenefitof,andrightto,alllimitationsofor exceptionsfromliability authorized by any provisions of Sections 4261 to 4288, inclusive of the Revised Statues of the United States and Amendments thereto and of any other provisions of the laws of the United States or of any other country whose laws shall apply.

2. In this Billing of Ladinga) “Carrier” means and includes the Carrier named on the face side hereof the vessel her owner, Master opera-

tor dermis charterer and if bound hereby the time charterer and any substitute Carrier whether the owner, operator, charterer or Master shall be acting as carrier or bailee.

b) “Vessel” means and includes the ocean vessel on which the Goods are shipped named on the face hereof or any substitute vessel also any leadership, terry, barge, lighter or any other watercraft used by the Carrier in the performance of this contract.

c) “Merchant” means and includes the shipper the consignee the receiver the holder of this bill of lading, the owner of the Goods or person entitled to the possession of the Goods and the servants or agents of any of these.

d) “Charges” means and includes the cargo received from the shipper and described on incurred and payable by the Merchant

e) “Goods” means and includes the cargo received from the shipper and described on the face side hereof and any Container not supplied by or behalf of the Carrier.

f) “Container”meansand includesanycontainer,van, trailer, transportable tank,flat,palletoranysimilararticles of transport.

g) “Person” means and includes an individual, corporation, partnership or other entity as the case may be.h) “Participating Carrier” means and shall include any other water, land or air carrier performing any stage

of the Combined Transport.

3. It is understood and agreed that other than the said Carrier no person whatsoever (Including the Master, officersandcrewofthevessel,allservants,agents,employees,representativesandallstevedores,terminalopera-tors, crane operators, watchmen, carpenters, ship cleaners, surveyors and other independent contractors whatso-ever) is or shall be deemed to be liable with inspect to the goods as carrier, bailee or otherwise, howsoever, in contract or in tort. If, however, it should be adjudged that any other than said carrier is under any responsibility with respect to the goods, all limitations of and exonerations from liability provided by law or by the terms hereof shall be available to such other persons as herein described in contracting for the foregoing exemptions, limitations and exonerations from liability, the Carrier is acting as agents and trustee for and on behalf of all persons described above, all of whom shall to this extent be deemed to be a party to this contract evidenced by this Bill of Lading. Itbeingalwaysunderstandthatsaidbeneficiariesarenotentitledtoanygreaterorfurtherexemptions,limitationsor exonerations from liability than those that the Carrier has under this Bill of Lading in any given situation.

4. Subject to all rights, privileges and limitations of and exonerations from liability granted to the ocean carrier under this Bill of Lading or by saw, any liability by the respective participating carrier for loss or damage to the Goods or packages carried hereunder shall be governed by the followed.

a) If loss or damage occurs while the goods or packages are in the custody of the ocean carrier only the ocean carrier shall be responsible thereof, and any liability of the ocean carrier shall be determined by the terms and conditions of this Bill of Lading and any law compels only applicable.

b) If loss or damage occurs while the Goods or packages are in the custody of a participating domestic or foreign Carrier, only the participating domestic or foreign Carrier(s) shall be responsible therefor and any liability of such participating domestic or foreign Carrier(s) shall be determined in respective order by the term and conditions and provisions of the applicable participating domestic or foreign Career’s Bill(s) of Lading, whether issued or not, tariff(s) and law compulsorily applicable in the circumstance.

c) Not withstanding subdivision (a) and (b) hereof, it is contemplated that the Goods or packages will from time to time be carried in through transportation that will include inland transportation within the United StatesbyRailroadandseacarriagebyoneofmoreoftheotherCarriersabovedefined(WhenusedonorendorsedonthisBillofLadingtheWords“onboard”shallmeanandincludeonboardtheoriginalcarryingvessel when the Goods or packages are being transported from the continental United States to a foreign port or place “on board” shall mean and include on board a rail car operated by the originating carrier and enroute by rail to the port of loading for loading on board the Carrier’s or participating Carrier’s vessel).

d) If loss or damage occurs after receipt of the Goods or packages hereunder and it cannot be determined from the records of the ocean Carrier or participating domestic or foreign Carrier(s) whether such damage or loss occurred during ocean, domestic or foreign carriage, it shall be conclusively presumed that the loss or dam-age occurred on board the vessel and while the Goods or packages where in the custody of the ocean Carrier.

e) At all times when the Goods or packages are in the custody of the above mentioned participating domestic or foreign Carriers, such Carriers shall be entitled to all the rights, defenses exceptions from or limitation of liability and immunities of whatsoever nature referred to or incorporated herein applicable or grated to the CarrierashereindefinedtothefullextentpermittedtosuchdomesticandforeignCarrierundertheBill(s)of Lading tariffs and any of their rights and immunities or an increase of any of their limitations of and exon-erations from liability under their said Bill(s) of Lading, tariffs or law applicable or relating to said carriage.

f) In making any arrangements for transportation by participating domestic or foreign Carrier of the Goods or packages carried hereunder, either before or after ocean carriage, it is understood and agreed that the ocean Carrier acts solely as agents of the merchants, without any other responsibility whatsoever, and it assumes no responsibility as Carrier for such domestic or foreign transportation.

g) Notice of loss or damage and claim against the ocean Carrier, where applicable shall be given to the ocean Carrier, and suit commenced as provided for in Clauses 30 and 31 hereof. Notice of loss or damage against theparticipatingdomesticorforeignCarrier(s),whereapplicable,shallbefiledwiththeparticipatingdo-mestic or foreign Carrier(s) and suit commenced as provided for in the terms, conditions and provision of said Carrier(s), Bill(s) or Lading or by law applicable thereto. It is understood by the Merchant that such terms, conditions and provisions, as they pertain to notice of, and claim for, loss or damage and commence-ment of suit, contain different requirement that those requirement pertaining to ocean Carriage as contained in Clauses 30 and 31 hereof.

5. The goods carried hereunder are subject to all the terms and provisions of the Carrier’s applicable Tariffs on the with the Federal maritime Commission, Interstate Commerce Commission or any other regulatory body which governs a particular portion of this carriage, and the terms and provisions of the said Tariff or Tariffs are here-by incorporated herein as part of the Terms and Conditions of this Bill of Lading, Copies of the relevant provisions of the applicable Tariff or Tariffs are obtainable from the Carrier, Federal maritime Commission, interstate Com-merceCommissionorotherregulatorybodyuponrequestintheeventofanyconflictbetweenthetermsandprovi-sions of such Tariff or Tariffs and the Terms and Conditions of this Bill of Lading, this Bill of Lading shall prevail.

6. The Merchant warrants that in agreeing to the Terms and Conditions hereof, he is, or has the authority of, the person owning and entitled to the possession of the Goods and this Bill of Lading.

7. (a) The Carrier shall be entitled to sub-contract on any terms the whole or any part of the carriage, loading, storing, warehousing, handing and any and all duties whatsoever undertaken by the Carrier in relation to the Goods. (b) As to through transportation, the Carrier undertakes to procure such services as necessary and shall have the right at its sole discretion to select any mode of land, sea of air transport and to arrange participation by otherCarrier’stoaccomplishthecombinedtransportfromplaceofreceipttoplaceofdelivery.Wheneveranystageof the combined transport is accomplished by any land or an Carrier or any other water Carrier, each such according to the contracts, rules and tariffs of each participating Carrier, the same as it such contracts, rules an tariffs were fully set forth herein.

8. The Carrier shall be entitled but under no obligation to open any Container at any time and to inspect the contents unless applicable law prohibits same if it thereupon appears that the contents or any part thereof cannot safely or properly be carried or carried further either at all or without incurring any additional expense or taking any measures in relation to the Container or its contents or any part thereof, the Carrier may abandon the transportation thereof and/or incur any reasonable additional expense to carry or to continue the carriage or to store thesameashoreorafloatundercoverorintheopenatanyplace,whichstorageshallbedeemedtoconstituteduedelivery under this Bill of Landing. The Merchant shall indemnity the Carrier against any reasonable additional expense so incurred.

9. Carrier may containerize any Goods or packages. Container may be slowed on deck or under deck and when so slowed shall be deemed for all purposes to be slowed under deck, including for General Average and U.S. Carriage of Goods by Sea Act. 1936 and similar legislation.

10. Deck cargo (expect goods carried in containers on deck) and live animals are received and carried solely at merchant’s risk (including accident or mortality of animals) and the Carrier shall not in any event be liable for any loss or damage thereto arising or resulting from any matters mentioned in Section 4, sub-section 2(a) to (p) inclusive of the United State Carriage of Goods by Seas Act or from any other cause whatsoever not due to the fault of the Carrier any warranty of seaworthiness in the promises being hereby waved, and the burden of proving liability being in all respects upon the Merchant Except as provided above, such shipments shall be deemed Goods and Shall be subject to all terms and provision of this Bill of Lading relating to Goods.

11. Special containers with heating or refrigeration units will not be furnished unless contracted for ex-pressly in writing at time of booking and when furnished, may entail an increased freight rate or charge Shipper shall advise Carrier of desired temperature range when delivering Goods to Carrier and Carrier shall exercise due diligence to maintain the temperature within a reasonable range while the containers are in its custody or control The Carrier doses not however accept any responsibility to the functioning of heated or refrigerated containers not owned or leased by Carrier.

12. The scope of the voyage herein contracted for shall include usual or customary of advertised ports of call whether named in this contract or not also ports in or out of the advertised geographical or usual route or order even though in proceeding thereto the vessel may sail beyond the port of discharge named herein or in a direction contrary thereto, or return to the original port or depart from the direct or customary route and includes all canals, straits, and other waters, the vessel may call at any port for the purpose of the current, prior or subsequent voyages. The vessel may omit calling at any port whether scheduled or not, and may call at the same port more than once, maydischargethegoodsduringthefirstorsubsequentcallattheportofdischargemayformatteroccurringbeforeor after loading, and either with or without the goods on board and before or after proceeding towards the port of discharge, adjust compasses, drydock with or without cargo on board, stop for repairs, shift berths make trails trips or test, take fuel or stores, remain in port, lie on bottom, aground or at anchor, sail without or without pilots, low and be lowed and save or attempt to save life or property, and all of the foregoing are included in the contract voyage. The vessel may carry contrabond, explosives, munitions, warlike stores, hazardous cargo, and sail armed or unarmed, and with or without convey.The Carriers sailing schedules are subject to change without notice both as to the sailing date and date of arrival. If this is a Through Bill of Lading, no Carriers is bound to transport the shipment by any particular train, truck, aircraft, vessel of other means of conveyance or in time for any particular market or otherwise. No Carrier shall be liable for delay and any Carrier shall have the right to forward the

goods by substitute Carrier.

13. If at any time the performance of the contract evidenced by this Bill of Lading is or is likely to be affectedby anyhindrance, riskdelay, difficultyor disadvantage ofwhatsoeverkindwhich cannotbe avoidedby the exercise of reasonable endeavors, the Career (whether or not the transport is commenced) may without notice to the Merchant treat the performance of this contact as terminated and place the Goods or any part of them at the Merchant’s disposal at anyplace or port which the Carrier may deem sale and convenient, whereupon the responsibility of the Carrier in respect of such Goods shall cease. The Carrier shall nevertheless be entitled to full freight and charges on Goods received for transport and the Merchant shall pay any additional costs of carriage to and delivery and storage at such place or port.

14. If the Carrier makes a special agreement whether by stamp hereon or otherwise to deliver the Goods at aspecifieddockorplaceitisnaturallyagreedthatsuchagreementshallbeconstruedtomeanthattheCarrieristomake such delivery only it in the sole judgment of the Carrier, the vessel can get to, he at, and leave said dock or placealwayssafelyafloat,andonlyitsuchdockorplaceisavailableforimmediatereceiptoftheGoodsandthatotherwise the Goods shall be discharged as otherwise provided in this Bill of Lading, whereupon all responsibility of Carrier shall cease.

15. The port authorities are hereby authorized to grant a general order for discharging immediately upon arrival of the vessel and the Carrier, without giving notice either of arrival or discharge, may immediately upon arrival of the vessel at the designated destination discharge the goods continuously, Sundays and holidays included, at all such hours by day or by night as the Carrier may determine no matter what the state of the weather or custom of the port may be. The Carrier shall not be liable in any respect whatsoever it heat or refrigeration or special cooling facili-ties shall not be furnished during loading or discharge or any part or the time that the Goods are upon the wharf, craft or other loading or discharging place.Lading and delivery charges and pier dues shall be at the expense of the Goods unless included in the freight herein provided for if the Goods are not taken away by the consignee by the expiration of the next working days after the Goods are at his disposal, the Goods may, at Carrier’s option and subject to Carrier’s lien, be sent to store or warehouse or be permitted to lie where landed, but always at the ex-pense and risk of the Good. The responsibilities of the Carrier in any capacity shall altogether cease and the Goods shall be considered to be delivered and at their own risk and expense in every respect when taken into the custody of Customs or other Authorities or into that of any municipal or governmental concessionaire of depository. The Carrier shall not be requited to give any notification of disposition of the Goods, except as may be otherwise provided in the Bill of Lading.

16. At ports or places where by local law authorities, or custom the Carrier is required to discharge cargo to lighters or other craft or where it has bean so agreed, or where wharves are not available which the ship can get to lieatorleave,alwayssafelyafloatofwhereconditionsprevailingatthetimerenderdischargeatawharfdangerous,impudent, or likely to delay the vessel the merchant shall promptly furnish lighters or other craft to take delivery alongside the ship, at the risk and expense of the Goods. If the Merchant fails to provide such lighters or other craft. Carrier acting solely as agent for the Merchant may engage such lighters or other craft at the risk and expense of the Goods Discharge of the Goods into such lighters or other craft shall constitute proper delivery and any further responsibility of Carrier with respect to the goods shall thereupon terminate.

17. The Carrier shall have liberty to comply with any order or directions or recommendations in connec-tion with the transport under this contract of carriage given by any Government of Authority or anyone acting or purporting to act on behalf of such Government or Authority, or having, under the terms or the mortgage insurance on the vessel or other transport the right to give such order, directions or recommendation Discharge or delivery of theGoodsinaccordancewiththesaidorderordirectionsorrecommendationsshallbedeemedafulfillmentofthecontract. Any extra expense incurred in connection with exercise of the Carrier’s liberty under this clause shall be paid by the Merchant in addition to freight and charges.

18. Whenever theCarrierorMastermaydeemitadvisable,or inanycasewheregoodsaredestinedforport(s) or place(s) at which the vessel or participating carrier will not call, the Carrier may, without notice, forward the whole or any part of the shipment, before or after loading at the original port of shipment or any other place of places even though outside the scope of the voyage or the route to or beyond the port of discharge or the destination of the Goods by water, by land, or by air or by any combination thereof, whether operated by the Carrier or others and whether departing or arriving or scheduled to depart on arrive before of after the ship expected to be used for the transportation of the shipment. The carrier may delay forwarding waiting a vessel or conveyance in its own service of with which it has established connections, in all cases where the shipment is delivered to another Carrier or to a lighter, Part Authority, warehouseman or other bailee of transshipment, the liability of this Carrier shall absolutely cease when the Goods are out of its exclusive possession and shall not resume until the Goods again come into its exclusive agent of the Merchant and this Carrier shall be without any other responsibility whatsoever the carriage by any transshipping or on Carrier and all transshipment or forwarding shall be subject to all the terms whatsoever in the regular form of bill of lading, consignment note, contract or other shipping document used at the time by the Carrier performing such transshipment or forwarding.

19. In any situation whatsoever and wheresoever occurring and whether existing or anticipated before commencement of or during the combined transport which in the judgment of the Carrier or the Master is likely to give rise to risk of capture, seizure, detention damage, delay or disadvantage or loss to the carrier or any part of the Goods to make it unsafe impudent or unlawful lot any reason to receive keep, load, or carry the goods or commence or proceed on or continue the transport or the enter or discharge the goods or disembark passengers at the port of discharge or the usual or agreed or intended place of discharge or delivery or to give rise to delay ordifficultyinproceedingbytheusualorintendedroutetheCarrierortheMastermaydeclinetoreceivekeepload or carry the goods, or may devan container(s) contents or any part thereof and may require the Merchant to take delivery of the Goods at the place of receipt of any other point in the combined transport and upon failure to do so may warehouse the Goods at the risk and expense of the Goods. The vessel whether or not proceeding towards or entering or attempting to enter a port of discharge or reaching or attempting to reach a usual place of discharge therein or attempting to discharge the shipment may discharge the Goods and/or devan the contents of any container(s) at another port, depot, lighter craft or other place or may forward or transship them as provided in this bill of Lading or the Carrier or the master may retain the Goods, vanned or unvanned on board until the return of the provided. The Carrier or the Master is not required to give notice of such devanning or of discharge of the Goodsortheforwardingthereofashereinprovided.WhentheGoodsaredischargefromtheshipashereinpro-vided, such shall be at the risk and expense of the Goods. Such discharging shall constitute complete delivery and performance under this contract and the Carrier shall be free from any further responsibility unless it be shown that any loss or damage to the Goods arose from Carrier’s negligence in the discharge and delivery as herein, provided the burden of establishing such negligence being on the Merchant. For any service rendered to the Goods as herein above provided or for any delay or expense to the vessel caused as a result thereof the Carrier shall be entitled to a reasonable extra compensation, and shall have a lien on the goods for such carriage. Notice of disposition of the Goods shall be mailed to shipper or consignee named in this Bill of Lading Goods shut out from the vessel named herein for any cause may be forwarded on a subsequent vessel of this Line or, at Carrier’s option on a vessel of another Line or by other mode of transportation.

20. Notwithstanding the foregoing, th Carrier shall neither be liable therefor nor concluded as to the correct-ness of any such marks, descriptions or representations.When any cargo unit owned or leased by Carrier is packed or loaded by shipper or its agent, or dischar-ged by consignee or its agent shipper, consignee, receiver holder or this Bill of lading, owner of Goods and person entitled to the possessions of the Goods shall be and remain liable, jointly and severally for any loss or damage to the cargo unit during such loading or discharge, howsoever occurring until the cargo unit is returned to Carrier’s custody and at tariff rates for any delay beyond the time allowed for such loading or discharge, and for any loss damage or expense incurred by Carrier as a result of the failure to return the cargo unit to the Carrier in the same sound condition and state of cleanliness as when received by shipper. Such loss, damage, expense or delay shall constitute a lien on the Goods.Where a cargo unit is to be unpacked or unloaded by consignee or its agent consignee or its agent shall promptly unpack or unload such cargo unit and take delivery of its contents, irrespective of whether the Goods are damaged or not Carrier shall not be liable for loss or damage caused to the Goods by or

during such unpacking unloading.

21. Whencontainers,vans,trailers,transportabletanks,flatpalletizedunits,andallotherpackages(allhere-inafter referred to generically as “cargo units”) are not packed or loaded by Carrier such cargo units shall be deemed shipped as “Shipper’s weight load and count”. Carrier has no reasonable means of checking the quantity, weight, condition or existence of the contents thereof and does not represent the quantity weight condition or existence of such contents as furnished by the shipper and inserted in this Bill of Lading to be occurate and shall not be liable for nonreceipt or misdecription of such contents Carrier shall have no responsibility or liability whatsoever therefor or for the packing, loading, securing and/or stowage of contents of such cargo units or for loss or damage caused thereby or resulting therefrom or for the physical suitability or structural adequacy of such cargo units property to contain their contents.The Merchant, whether principal or agent by packing or loading the cargo unit and/or by allowing the cargo unit to be packed or loaded, represents guarantees and warrants (a) that the Goods are property described marked and safely and securely packed in their respective cargo units that such cargo units

are physically suitable, sound and structurally adequate properly to contain and support the Goods during handing and on the transport, and that the cargo units may be handled in the ordinary course without damage to themselves or the their contents or to the vessel or conveyance or to their other cargo, or property, or persons, (b) that all particulars with regard to the cargo units and theirs contents and the weight of each said cargo unit are in all respects correct, and (c) that they have ascertained and fully disclosed in writing to the Carrier and all participating Carriers on or prior to shipment any condition, ingredient or characteristic of the Goods which might indicate that they are inflammable, explosive, corrosive, radioactive, noxious, hazardous or dangerous in nature or which might cause damage, injury or detriment to the Goods or to the vessel, conveyance or other cargo or to property or person that they have complied fully with all stature, ordinances and regulations of the Department or Transportation of the United State of America all other regulatory bodies with respect to labeling packaging and prepara-tion for shipment of all such Goods.The shipper, consignee receiver, holder of the Bill of Lading owner of the Goods and persons entitle to the possession of the Goods jointly and severally agree fully to protect an indemnity Carrier and to hold it harmeless in respect of any injury or death or any person or loss or damage to cargo or cargo unit or any other property or to the vessel or conveyance or expense or fine arising out of, or in any way connected with breach of any of the foregoing representations or warranties howsoever occurring even without fault of shipper consignee and/or owner of the Goods, and even though such injury death loss or damage is caused in whole or in part by fault of the Carrier or unseaworthiness.

22. The Merchant and the Goods themselves shall be liable for and shall indemnity the Carrier and the Car-rier shall have a lien on the Goods for all expenses of mending, repairing, fumigating, repacking, coopering, bailing, reconditioning of the Goods an gathering of loose contents of package, also for expenses for repairing containers damaged while in the possession of the Merchant for demurrage on containers and any payment expense, line, dues duty tan impost loss, damage or detention sustained or incurred by or levied upon the Carrier vessel or conveyance in connection with the Goods howsoever caused, including any action or requirement of any government or gov-ernmental authority or person purporting to act under the authority thereof, seizure under legal process or attempted seizure, incorrector insufficientmarkingnumberingoraddressingofcontainerspackagesordescriptionof thecontentsfailureoftheMerchanttoprocureconsularBoardofHealthorothercertificatestoaccompanytheGoods

or the comply with laws or regulations or any kind imposed with respect to the Goods by the authorities at any port or place or any act or omission of the Merchant The Carrier’s lien shall survive, delivery and may be enforced by private or public sale and without notice.

23. Freight shall be payable, at Carrier’s option, on actual gross intake weight or measurement or on actual gross discharge weight or measurement or on a value or other basis. Freight may be calculated on the basis of the particulars of the Goods furnished by the shipper herein, but Carrier may as previously slated herein at any time open the packages or containers and examine, weight, measure and value the Goods (unless applicable law prohibits same) in case shipper’s particulars are found to be erroneous and additional freight payable, the Merchant and the Goods shall be liable for any expense incurred for examining, weighting measuring and valuing the Goods. Full freight shall be paid on damaged or unsound goods. Full freight hereunder to place of delivery named herein, and advance charges (including on Carrier’s) shall be considered completely earned on receipt of the Goods by the Carrier, whether the freight be stated or intended to be prepaid or to be collected at destination an the Carrier shall be entitled to all freight and charges, extra compensation, demurrage, detention, General Average, claims and any other payments made and liability incurred with respect to the Goods, whether actually paid or not and to receive and retain them irrevocably under all circumstances, whatsoever vessel, conveyance and/or cargo lost, damaged or otherwise or the combined transport charged, frustrated or abandoned in case of forced abandonment or interruption of the combined transport for any cause, any forwarding of the goods or any part thereof shall be at the risk and expense of the Goods. All unpaid charges shall be paid in full, without any offset counter claim or deduction in the currency of the place of receipt, or at Carrier’s option in the currency of the place of delivery at the demand rate of New York exchange as quoted on the day of Goods receipt by originating Carrier at place of origin.The Merchant shall be jointly and severally liable to the Carrier for the payment of all freight charges and the amounts due to the Carrier and for any failure of either or both to perform his or their obligations under the provisions of this Bill of Lading and they shall indemnity the Carrier against, and hold it harmless from, all liability loss damage and expense which the Carrier may sustain or incur arising or resulting from any such failure of performance by the Merchant. Any person, firm or corporation engaged by any party to perform forwarding service with respect to the cargo shall be considered the exclusive agent of the Merchant for all purposes and any payment of freight to such person, firm or corporation shall not be considered payment to the Carrier in any event. Failure or such person, firm or corporation to pay any part of the freight to the Carrier shall be considered a default by the Merchant in the payment of the freight.The Carrier shall have a lien on the Goods and documents relating thereto which shall survive delivery for all freight charges and damages of any kind whatsoever and for the costs of recovering same, inclu-ding expenses incurred in preserving this lien and may enforce this lien by public or private sale and without notice. The shipper consignee, receiver, holder of this Bill of Lading, owner of the Goods and person entitled to the possession of the Goods shall be jointly and severally liable to the Carrier for the payment of all freight charges and damages as aforesaid and for the performance of this obligations of each them hereunder.

24. Carrier shall not be liable for any consequential or special damages and shall have the option of replacing lost Goods or repairing damaged Goods.

25. The weight or quantity of any bulk cargo inserted in the Bill of Lading is the weight or quantity as ascertained by a third party other than the Carrier and Carrier makes no representation with regard to the accuracy thereof. This Bill of Lading shall not be deemed evidence against the Carrier of receipt of goods of the weight or quantity so inserted in the Bill of Lading.

26. NeithertheCarriernoranycorporationownedbysubsidiarytoorassociatedoraffiliatedwiththeCar-rier shall be liable to answer for or make goods any loss or damage to the goods occurring at any time and even though before loading on or after discharge from the ship by reason or by means of any life whatsoever unless such tire shall be cause by its design of neglect of by its actual fault of privily. In any case where this exemption is not permitted by law carrier shall not be liable for loss or damage by the unless shown to have been caused by Carrier’s negligence.

27. If the vessel comes into collision with another vessel as a result of the fault of negligence of the other ves-sel and any act neglect or default of the Carrier Master, manner pilot or the servants of the Carrier in the navigation or in the management of the vessel, the Merchant will indemnity the Carrier against all loss or liability to the other or non-carrying vessel or her owners insofar as such loss or liability represent loss of, or damage to, or any claim whatsoever of the Merchant paid or payable by the other or non-carrying vessel or her owners insofar as such loss or liability represent loss of, or damage to, or any claim whatsoever of the Merchant paid or payable by the other or non-carrying vessel or her owner to the Merchant and set off recouped or recovered by the other or non-carrying vessel or her owners as part of their claim against the carrying vessel or Carrier.The foregoing provisions shall also apply where the owners operators or those in charge of any vessel or vessels or object other than or in addition to the colliding vessel or object are at fault in respect of a collision contact stranding or other accident.This provisions is to remain in effect in other jurisdiction even if unenforceable in the Courts of the United States of America.

28. General average shall be adjusted, stated and settled according to York-Antwerp Rules 1974 except Rule XII thereof, at such port or place as may be selected by the Carrier and as to matters not provided for by theses Rules according to the laws and usage of New York.In such adjustment, disbursements in foreign currencies shall be exchanged into United States money at the rate prevailing on the dates made and allowances for damage to cargo claimed in foreign currency shall be converted at the rate prevailing on the last day of discharge at the port or place of final discharge of such damaged cargo from the ship. Average agreement or bond and such additional security as may be required by the Carrier must be furnished before delivery of the goods. Such cash deposit as the Carrier or his agents may deem sufficient as additional security for the contribution of the goods an for any salvage and special charges thereon shall if required be made by the Goods shippers consignees or owners of the goods to the Carrier before delivery of the Goods. Notwithstanding anything herein before contained such deposit shall at the option of the Carrier be payable in United States currency and be remitted to the adjusted pending settlement of the General Average and refunds of credit balance, it any, shall be paid in United States currency. In addition to the circumstances dealt with in the 1974 York-Antwerp Rules, it is agreed that if the Carrier has used due diligence in the stowage of cargo and if the safe prosecution of the voyage is thereafter imperiled in consequence of the disturbance of stowage. The costs of handing, discharge, reloading and restowing cargo shall be allowed in General Average, even though the handing of cargo is not necessary for the purpose of effecting repairs to the vessel.In the event of accident, danger or disaster before or after commencement of the voyage resulting from any cause whatsoever, whether due to negligence or not for which or for the consequence of which, the Carrier is not responsible by statute contract or otherwise, the Goods, the shipper, consignee, receiver, holder of this Bill of Lading, owner of the Goods and person entitled to the possession o4paid for as fully and in the same manner as if such salving ship or ships were owned or operated by strangers. Cargo’s contribution in General Average shall be paid to the ship owner even when such average is the result of fault neglect or error of the Master pilot officers or crew. The Merchant expressly renounces any and all code, statutes laws or regulation which might otherwise apply.

29. In case of any loss or damage to or in connection with Goods exceeding in actual value the equivalent of $500 lawful money of the United States per package or in case of Goods not shipped in packages per shipping unit., the value of the Goods shall be deemed to be $500 per package or per shipping unit. The Carrier’s liability if any, shall be determined on the basis of a value or $500 per package or per shipping unit or pro rate in case of partial loss or damage, unless the nature of the Goods and a valuation higher than $500 per package or per shipping unit shall have been declared by the shipper before shipment and inserted in this Bill of Lading and extra freight paid if required. In such case if the actual value of the Goods per package or per shipping unit shall exceed such declare value the value shall nevertheless be deemed to be declared value and the Carrier’s liability if any, shall not exceed the declared value and any partial loss or damage shall be adjusted pro rata on the basis of such declares value. The words “whipping unit’ shall mean each physical unit or piece of cargo not shipped in a package, including articles or things or any description whatsoever, except goods shipped in bulk, and irrespective of the weight or measure-ment unit employed in calculation freight charge.Where containers, vans, trailers, transportable tanks, flat palletized unit and other such packages are not packed by the Carrier, each individual such container wan, trailer transportable tank, palletized unit and other such package including in each instance its contents shall be deemed a single package and Carrier’s liability limited to $500 with respect to each such package.

30. As to loss or damage to the Goods or package occurring or presumed to have occurred during ocean voy-age unless notice of loss of or damage and the general nature of it be given in writing to the Carrier or its agent at the port of delivery before or at the time of the removal of the Goods or packages into the custody of the person entitled to delivery thereof under this Bill of Lading or, if the loss or damage be not apparent, within three consecutive days after delivery at the port of discharge such removal shall be proma facie evidence of the delivery by the Carrier of the Goods or packages as described in this Bill of process or by an agreement to appear.

31. As to loss or damage to the Goods or package occurring or presumed to have occurred during ocean carriage, the Carrier and the vessel shall be discharged from all liability in respect of loss, damage, misdelivery, delay or in respect of any other breach of this contract and any claim whatsoever with respect to the Goods or pack-ages unless suit is brought within one year after delivery of the Goods or package or the date when the jurisdiction shall have been obtained over the Carrier and/or the vessel by service of process or by an agreement to appear.

32. Gold silver, specie, bullion or other valuables, including those named or described in Sec 4281 of the Revised Statutes of the United States, will not be received by the Carrier unless their true character and value are disclosed to the Carrier and a special written agreement therefor has been made in advance and will not, in any case, be loaded or landed by the Carrier. No such valuable shall be considered received by or delivered to the Carrier until brought aboard the ship by the shipper and put in the actual possession of and a written receipt therefor is given bytheMasterorotherofficerincharge.SuchvaluablewillonlybedeliveredbytheCarrieraboardtheshiponpresentation of bills of lading property endorsed and upon such delivery on board the Carrier’s responsibility shall cease if delivery is not so lake promptly after the ship’s arrival at the port of discharge the goods may be retained aboard or landed or carried on, solely a the risk and expense of the goods.

33. Itisagreedthatsuperficialrust,oxidationoranylikeconditionduetomoisture,isnotaconditionofdamage but is inherent to the nature of the cargo, and acknowledgment of receipt of the Goods in apparent good order and condition is not a representation that such condition of rust, oxidation and the like did not exist on receipt.

34. Nothing in this Bill of Lading shall operate to deprive the Carrier of its statutory protection or exemp-tion from, or limitation of liability, contained in the laws of the United States, of in the laws of any other country which may be applicable. The Bill of Lading shall be construed according to the laws of the United States and the Merchant agrees that any suits against the Carrier shall be brought in the Federal Courts of the Unites States. The terms of this bill of Lading shall be separable and if any part or term hereof shall be held invalid, such holding shall not affect the validity or enforceability of any other part or terms hereof.

BILL OF LADING – TERMS AND CONDITIONS

Contrato Tarjeta de Crédito

1. Definición

Es un contrato por el cual una empresa bancaria o una persona jurídica autorizada, concede una apertura de crédito, de tipo rotatorio, con una cuantía determinada, a favor de su cliente que puede ser una persona natural o jurídica, para que utilizando una tarjeta plástica singular, pueda adquirir bienes o servicios de las empresas o establecimientos afiliados, cuyos consumos serán cancelados al contado (a la vista) o a cierto plazo convenido.

2. Contratación Múltiple

Evidentemente este contrato constituye un conjunto de múltiples relaciones de diversa índole, que podríamos resumirlas de la siguiente forma:

a. Desde el punto de vista crediticio, existe una relación jurídica entre la entidad emisora y el cliente usuario de la tarjeta, quienes celebran un contrato de apertura de crédito, lo que significa que el Banco pone a disposición de su cliente un crédito para ser utilizado en el futuro, mediante la compra de bienes o servicios o retiro de dinero en efectivo, hasta un monto determinado preestablecido.

b. Desde el punto de vista del Banco con la empresa afiliada, existe un contrato de afiliación y de cuenta corriente, por el cual e Banco se compromete en cancelar las compras y consumos efectuados por el titular de la tarjeta, a la sola presentación de lo comprobantes firmados por el titular, a cambio de una comisión preestablecida.

c. Y, las relaciones de compraventa celebradas entre el titular de la tarjeta y la empresa afiliada. Esta última se compromete en vender sus productos o servicios a precio de contado, pues la tarjeta se constituye en un medio seguro de pago.

4. La tarjeta plástica

La tarjeta de crédito es un instrumento que permite utilizar el crédito concedido por la entidad bancaria para la compra de bienes y de servicios. Se trata de una tarjeta plástica grabada con los datos del titular de crédito, generalmente con una cinta magnética incorporada, y donde se registra la firma del titular que servirá para el control adecuado por parte de la empresa afiliada.

5. Plazo

Los contratos respectivos no podrán exceder del plazo de cinco años, pudiéndose acordar plazos menores, con renovaciones adicionales de acuerdo a la evaluación crediticia sobre el uso adecuado de la misma.

6. Pago de los consumos

Se ha establecido que los plazos de cancelación de las compras o consumos se efectuarán de la siguiente forma:

a. Consumo para pago inmediato

b. Consumo para pago diferido. En este caso se conviene los plazos y los intereses respectivos.

7. Naturaleza jurídica

Los caracteres jurídicos de este contrato son:

a. Es un contrato principal, pues no depende de otro contrato, tiene vida propia.

b. Es consensual, pues se requiere del consentimiento de las partes.

c. Es un contrato complejo, pues emanan una serie de vínculos jurídicos entre varias personas.

d. Es oneroso, pues genera beneficios a todas las partes que intervienen.

e. Es de tracto sucesivo, pues la utilización le permite el pago de compras reiterativas en oportunidades sucesivas y empresas diferentes.

f. Es conmutativo, pues cada una de las partes que intervienen en el contrato es consciente del acto jurídico que realiza.

g. Es un contrato de crédito rotativo, pues permite el uso del crédito en los límites o cuantía permitida, y a su cancelación, se puede nuevamente efectuar nuevos consumos siempre que no exceda de la cuantía otorgada.

h. Es intuito personae pues está referida a una persona determinada de acuerdo a su solvencia moral y económica y no se transmite a los herederos y es intransferible inter vivos.

Coincidiendo con estos caracteres jurídicos, Hundskopf manifiesta que es un contrato sui generis, atípico, consensual, de prestaciones recíprocas, principal, de ejecución sucesiva y de adhesión.

8. Terminación del contrato

Las causales más frecuentes de terminación de estos contratos son:

a. Por fallecimiento del usuario.

b. Por terminación del contrato o vencimiento del plazo.

c. Por extinción del emisor. Cuando el Banco emisor deja de administrar una determinada tarjeta.

d. Por resolución del contrato como consecuencia del incumplimiento del titular de la tarjeta.

9. Ventajas

Podemos indicar algunas ventajas que se observan para las partes:

Para el usuario:

a. Comodidad de adquirir bienes y servicios sin necesidad de llevar dinero en efectivo.

b. Seguridad frente a posibles sustracciones.

c. Comodidad de poder acumular el pago de varios consumos en un sólo momento.

a. Posibilidad de crédito.

b. Prestigio, pues representa un indicador de solvencia económica.

Para la empresa afiliada:

a. Ampliación de clientela.

b. Mayor volumen de ventas.

c. Comodidad al evitar el manejo de dinero en efectivo.

d. Seguridad en cuanto al cobro de las facturas.

e. Prestigio comercial al ser incluido entre las empresas afiliadas al sistema.

Para la entidad emisora:

a. Permite percibir comisiones de la empresa afiliada, de acuerdo a los volúmenes de ventas.

b. Otorga facilidades crediticias con cobro de intereses, a los usuarios par el pago de sus compras.

c. Reemplaza el uso de cheques, reduciendo sus gastos por la impresión y su operatividad.

10. Desventajas

En cuanto a las desventajas, se reconoce que son en su número menores que las ventajas, en todo caso, las primeras son susceptibles de ser superadas con cierta facilidad. Entre las más frecuentes tenemos:

a. Riesgo de sustracción y utilización fraudulenta.

b. Obligación de pago de canon anual por emisión de tarjeta.

c. Posibles abusos del cliente en excederse en la cuantía.

d. Elevado costo de publicidad, administración y equipamiento necesarios.

CONDICIONES DE SERVICIO DEL CONTRATO DE SERVICIO

1. Condición jurídicaEl Suscrito no tiene la categoría de miembro del personal de la administración pública local de Guatemala, del PNUD ni de ningún otro organismo de Naciones Unidas y no se encuentra regido por el Reglamento y Estatuto del Personal de la ONU.

2. Remuneración El pago es expresado y pagado en una suma fija mensual. Se establece sobre la base del nivel de responsabilidad de la tarea asignada y la experiencia y competencia del individuo contratado en relación al mercado local.

a) El pago se acuerda entre el individuo y la dependencia de gestión respectiva cuando se da inicio de la ejecución de los servicios contratados al momento de formalizar el contrato. Éste no suele ajustarse en el curso del período del contrato. Sin embargo, el Organismo Nacional de Ejecución/Socio Implementador puede hacer modificaciones si las condiciones locales así lo aconsejan.

b) La remuneración puede ser revisada con ocasión de una extensión del contrato, si se justifica, aunque no existe obligación de hacerlo.

c) La remuneración según contrato se hace efectiva por medio de una suma fija de dinero en efectivo, sin subsidios adicionales para ítems tales como hijos, cónyuges, asistencia a la edu-cación o primas de idiomas.

3. Duración del servicioEl presente contrato se emite sin expectativas de extensión o renovación alguna. Sin embargo, si se considera una extensión de mutuo acuerdo, se podrá aprobar un período (o períodos) adicional (es) de hasta un año.

4. Otros beneficiosExisten una serie de condiciones y beneficios que se entregan como parte del contrato, los que constituyen un grupo de condiciones de servicios y sociales apropiadas para el Organismo Nacional de Ejecución/Socio Implementador. Dichas condiciones y beneficios se describen a continuación:

a) Certificado médico de aptitud física: El presente contrato está sujeto a la presentación de un certificado médico de aptitud física satisfactorio por parte del médico examinador designado por el Organismo Nacional de Ejecución/Socio Implementador u otro profesional reconocido por éste.

b) El tiempo mínimo que se deberá dedicar a la prestación de los servicios deberá corresponder al horario oficial normal de las oficinas del Organismo Nacional de Ejecución/Socio Implemen-tador a las cuales el Suscrito ha sido designado. Las horas extraordinarias, si corresponde, se pagan a una tasa que depende del mercado laboral local. Cuando las prácticas locales favore-cen el tiempo libre compensatorio, sujeto a las exigencias del servicio, las horas extraordinarias serán compensadas sobre la base de una y media tasa normal o también por medio de un período equivalente de tiempo libre pagado. El tiempo libre compensatorio debe ser utilizado en un plazo de cuatro meses a partir del mes en el cual se produjeron las horas extraordina-rias, de lo contrario este derecho se pierde. El pago de horas extraordinarias sólo se aplica a personal de apoyo.

c) Los feriados nacionales/públicos serán aquellos observados por el Organismo Nacional de Ejecución/Socio Implementador en el país.

d) Se acumula descanso anual según las prácticas del mercado local, pero ésta no será inferior

a) a un día y cuarto (1.25 días) por cada mes de trabajo. Toda licencia anual debe ser tomada dentro del período del contrato. Sin embargo, en caso de producirse una extensión del contra-to, el Suscrito estará autorizado, en casos plenamente justificados por el Organismo Nacional de Ejecución/ Socio Implementador, a traspasar al nuevo período su descanso acumulado hasta por un máximo de quince (15) días. La licencia no utilizada al final del período de servicio no es conmutable por dinero en efectivo.

b) Descanso en caso de incapacidad por enfermedad: se pagan honorarios, en el caso de que el Suscrito se encuentre imposibilitado de prestar sus servicios derivado de enfermedad según las prácticas del mercado local, pero ésta no será inferior a un día por mes de trabajo. Cualquier incapacidad de más de tres días hábiles consecutivos deberá ser avalada por un certificado médico. Además, será preciso presentar certificado médico luego de tres días de incapacidad por enfermedad no justificada en cualquier período de seis meses. Cualquier des-canso de enfermedad no utilizada al final del contrato no podrá ser conmutada por dinero en efectivo.

c) Descanso de maternidad: se pagará un descanso de maternidad según las prácticas del mercado local, pero ésta no será inferior a ochenta y cuatro (84) días con pago total. Se debe presentar un informe de un médico debidamente calificado que indique la fecha estimada del parto y la capacidad de la persona para prestar los servicios contratados. El descanso de ma-ternidad debe incluirse dentro del período del contrato y ser tomada durante el mismo.

d) Licencia de paternidad: se otorga licencia de paternidad según las prácticas del mercado local.

e) Seguridad Social: sobre la base de la evidencia presentada por el Suscrito con respecto a su inscripción en algún plan local o de cobertura debidamente demostrada por medio del cónyuge o de un empleador anterior, el Organismo Nacional de Ejecución/Socio Implementador añadirá el monto correspondiente de este costo a la suma fija de la remuneración. El Organismo Na-cional de Ejecución/Socio Implementador pagará un monto suficiente al Suscrito, además de la remuneración mensual, que le permita contar con una cobertura adecuada para tales pensio-nes y beneficios médicos, excepto cuando el propio Organismo Nacional de Ejecución/Socio Implementador disponga de un plan médico y de pensiones y efectúe los pagos correspondien-tes directamente a tal plan. Esta remuneración adicional da cumplimiento a la obligación del Organismo Nacional de Ejecución/Socio Implementador con respecto a la seguridad social en beneficio del Suscrito; el Organismo Nacional de Ejecución/Socio Implementador está exento de cualquier otra obligación en relación a seguridad social local. Bajo ningún concepto el PNUD efectúa pagos directamente a los planes públicos nacionales.

f) Cobertura por fallecimiento y discapacidad: Con el fin de proteger al Suscrito y a su familia en caso de sufrir éste alguna lesión, discapacidad o fallecimiento mientras está obligado con-tractualmente con el Organismo Nacional de Ejecución/Socio Implementador, se ha dispuesto una cobertura por medio de una póliza de seguro colectivo sin costo para el Suscrito.

Firma del suscrito: ____________________________

Fecha: ___________________________ _

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DISCODUROEXT500GBWESTERNDIGITAL2.5”USB(11991)[ 2 ] $373.000 DISCODUROEXT500GBWESTERNDIGITAL3.5”USB(11559)[ 2 ] $258.000 DISCODUROEXT1000GBWESTER3.5”USB(11751)[ 2 ] $363.000 DISCODUROEXT1000GBWESTER3.5”USBFIREWIRE(11705) $478.000 ESTABILIZADORNEWLINE1000VA(10622)[ 2 ] $38.000 ESTABILIZADORNEWLINE2000VA(10401)[ 2 ] $123.000 FAX MODEM 56K PCI GENIUS® (11774) [ 2 ] $18.000 FORROSYPADLCD19”WIDESCREEN(11071) $9.999 FORROSYPADLCD22”WIDESCREEN(11248) $9.999 FUENTEDEPODER600W20-24PINES(11282)[ 2 ] $43.000 FUENTETHERMALTAKE470WREALESTR2W0090RU(12028) [ 2 ] $188.000 FUNDA PARA PORTATIL 10” (12059) $19.999 FUNDA PARA PORTATIL 14.1 SL-002 (11301) $19.999 FUNDA PARA PORTATIL 18.4 SL-005(11305) $19.999 FUNDA PARA PORTATIL STAR 18.4” SL-002(11584) [ 2 ] $19.999 FUNDA STAR ST-SL-005 14.1”(11303) $19.999 GAMEPAD GENIUS® MAXIFIRE G-12U VIBRACION(10501) [ 2 ] $43.000 GUAYA CON CLAVE PARA PORTATIL(11251) [ 2 ] $16.001 GUAYA CON LLAVE PARA PORTATIL(11117) [ 2 ] $9.999 HUB 4 PUERTOS USB 2.0 ENCORE® (11568) [ 2 ] $15.000 IMPRESORA EPSON® FX 2190 (10222) [ 2 ] $1’513.000 IMPRESORA EPSON® LX 300+ II (10631) [ 2 ] $538.000 IMPRESORA HP® DESKJET 2460 USB (11224) [ 2 ] $123.000 IMPRESORA SAMSUNG® LASER COLOR CLP310 (11755) [ 2 ] $448.000 IMPRESORA SAMSUNG® LASER ML2240 USB (11381) [ 2 ] $203.000 KITDELIMPIEZAOFICLEAN(10042) $26.001 LECTOR DE MEMORIAS EXTERNO ENCORE(11924) [ 2 ] $19.999 LECTOR DE MEMORIAS INTERNO(10258) [ 2 ] $16.001 LICENCIA MICROSOFT® OFFICE HOGAR Y ESTUDIANTES 2007(3 USUARIOS)(11355) $199.999 LICENCIA MICROSOFT® OFFICE STANDAR 2007 ACADEMIC (10079) [ 2 ] $143.000 LICENCIA KASPERSKY 2009 CAJA (11737) $72.000 LICENCIA KASPERSKY INTERNET SECURITY 2009 1 USUARIO (11738) $99.999 LICENCIA KASPERSKY INTERNET SECURITY 2009 5 USUARIOS (11741) $222.000 LICENCIA NORTON INTERNET SECURITY 2009 3 USUARIOS (12073) $158.000 LICENCIA OFFICE SBE 2007 BCM OEM(10772) $603.000 LICENCIAWINDOWSVISTABUSINESS32BITOEM(10755) $398.000 LICENCIAWINDOWSVISTABUSINESSKITDELEGALIZACION(11778) $508.000 LICENCIAWINDOWSVISTAHOMEBASICESPAÑOLOEM(11030) $223.000 LICENCIAWINDOWSXPPROFESIONALESPAÑOLOEM(10502) $408.000 LICENCIAWINDOWSXPPROFESIONALKITDELEGALIZACION+CD(10126) $493.000 MALETIN TARGUS CN31 15” NEGRO (10184) [ 2 ] $39.999

D i s c o s D u r o s 1 0 4 0 1 0 2 7 H / D T O S H I B A D M T O 1 2 4 6 S A M S A T A 1 2 0 G B / N O T E B O O K 9 0 . 0 01 0 4 0 1 0 2 8 H / D W E S T E R D I G I T A L H D - W D 1 2 B V E 1 2 0 G B / N O T E B O O K 9 0 . 0 01 0 4 0 2 1 1 6 H / D S E A G A T E S T 3 8 0 8 1 5 A S 8 0 G B S A T A 3 0 0 7 2 0 0 R P M 8 M B 6 0 . 0 0 1 0 4 0 2 1 2 1 H / D S E A G A T E S T 3 8 0 2 1 5 A 8 0 G B A T A 1 0 0 7 2 0 0 R P M 2 M B 6 0 . 0 0 1 0 4 0 2 1 1 4 H / D S E A G A T E S T 3 1 6 0 8 1 5 A S 1 6 0 G B S A T A 3 0 0 7 2 0 0 R P M 8 M B 6 5 . 0 01 0 4 0 2 1 2 2 H / D S E A G A T E S T 3 1 6 0 8 1 5 A 1 6 0 G B A T A 1 0 0 7 2 0 0 R P M 8 M B 6 5 . 0 01 0 4 0 2 1 3 7 H / D S E A G A T E S T 3 2 5 0 4 1 0 A S 2 5 0 G B S A T A 3 0 0 7 2 0 0 R P M 1 6 M B 7 0 . 0 01 0 4 0 2 1 3 5 H / D S E A G A T E S T 3 3 2 0 6 1 3 A S 3 2 0 G B S A T A 3 0 0 7 2 0 0 R P M 1 6 M B 8 0 . 0 0 1 0 4 0 2 1 3 0 H / D S E A G A T E S T 3 5 0 0 3 2 0 A S 5 0 0 G B S A T A / 3 G B 7 2 0 0 R P M 3 2 M 9 0 . 0 0 1 0 4 0 2 0 9 1 H D D H P 8 0 G B S A T A 1 . 5 G B / S 7 2 0 0 R P M 3 . 5 ” 6 8 P I N E S 3 8 3 4 1 2 5 . 0 0 1 0 4 0 2 1 0 5 H / D H P 8 0 G B S A T A 3 . 0 G / S 7 2 0 0 R P M P Y 2 7 6 A A 1 3 6 . 0 0 1 0 4 0 2 0 7 4 H D D H P 8 0 G B S A T A 1 . 5 G B / S 7 2 0 0 R P M 3 . 5 ” H O T - P L U G 3 4 9 1 7 5 . 0 0 1 0 4 0 2 1 1 0 H D D H P 1 6 0 G B S A T A 1 . 5 G B / S 7 2 0 0 R P M 3 . 5 ” H P T - P L U G 3 4 1 8 5 . 0 0 1 0 4 0 2 0 7 8 H D D H P 2 5 0 G B S A T A 1 . 5 G B / S 7 2 0 0 R P M 3 . 5 ” H O T - P L U G 3 4 2 1 5 . 0 0 1 0 4 0 2 1 1 2 H D D H P 6 0 G B S A T A 1 . 5 G B / S 5 4 0 0 R P M 2 . 5 ” H O T - P L U G 3 7 9 2 8 6 . 0 0 1 0 4 0 2 1 1 1 H / D H P S A T A 5 0 0 G 7 2 0 0 3 . 5 ” 3 9 5 4 7 3 - B 2 1 4 7 5 . 0 0 1 0 4 0 3 0 9 9 H P 1 6 0 G B 1 . 5 G S A T A 7 . 2 K N H P 3 . 5 ” E T Y H D D 4 5 8 9 4 7 - B 2 1 6 8 . 0 0 1 0 4 0 3 0 9 6 H / D S E A G A T E S T 3 7 3 4 5 5 L C 7 3 G B S C S I / U 3 2 0 1 5 0 0 0 R P M 8 0 2 7 5 . 0 0 1 0 4 0 3 0 9 7 H / D S E A G A T E S T 3 7 3 4 5 5 L W 7 3 G B S C S I / U 3 2 0 1 5 0 0 0 R P M 6 8 2 8 5 . 0 0 1 0 4 0 3 0 7 9 H D D H P 3 6 G B S A S 3 G B / S 1 5 0 0 0 R P M 3 . 5 ” H O T - P L U G 3 7 5 8 6 3 1 9 . 0 0 1 0 4 0 3 0 6 0 H D D H P 3 6 G B U 3 2 0 1 5 0 0 0 R P M 3 . 5 ” 8 0 P I N E S H O T - P L U G 2 8 3 3 5 . 0 0 1 0 4 0 3 0 8 0 H D D H P 3 6 G B S A S 3 G B / S 1 0 0 0 0 R P M 2 . 5 ” H O T - P L U G 3 7 5 8 5 3 3 5 . 0 0 1 0 4 0 3 0 5 5 H D D H P 7 2 G B U 3 2 0 1 0 0 0 0 R P M 3 . 5 ” 8 0 P I N E S H O T - P L U G 2 8 3 7 0 . 0 0 1 0 4 0 3 0 7 8 H D D H P 7 2 G B S A S 3 G B / S 1 0 0 0 0 R P M 2 . 5 ” H O T - P L U G 3 7 5 8 6 3 7 5 . 0 0 1 0 4 0 3 0 8 2 H D D H P 1 4 6 G B S A S 3 G B / S 1 0 0 0 0 R P M 2 . 5 ” H O T - P L U G 4 3 1 9 4 2 5 . 0 0 1 0 4 0 3 0 8 1 H D D H P 7 2 G B S A S 3 G B / S 1 5 0 0 0 R P M 3 . 5 ” H O T - P L U G 3 7 5 8 7 4 3 5 . 0 0 1 0 4 0 3 0 8 3 H D D H P 1 4 6 G B S A S 3 G B / S 1 5 0 0 0 R P M 3 . 5 ” H O T - P L U G 3 7 5 8 4 5 0 . 0 0 1 0 4 0 3 0 6 3 H D D H P 7 2 G B U 3 2 0 1 5 0 0 0 R P M 3 . 5 ” 8 0 P I N E S H O T - P L U G 2 8 4 7 5 . 0 01 0 4 0 3 0 8 8 H P 7 2 G B 3 G S A S 1 5 0 0 0 R P M S F F ( 4 3 1 9 3 5 - B 2 1 ) 5 1 0 . 0 01 0 4 0 3 0 5 9 H D D H P 1 4 6 G B U 3 2 0 1 0 0 0 0 R P M 3 . 5 ” 8 0 P I N E S H O T - P L U G 2 5 7 5 . 0 0