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introduction difference between commercial bank and rbi types of letter of credit charge cards heques atm cards parties involved in letter of credit. letter of credit debit cards smart cards credit cards types of endorsement essential elements of endorsement endorsement holder cheque bills of exchange crossing micr types of cheques bank draft holder in due course types of marine insurance policy clauses of marine insurance policy procedure of taking fire insurance definition fire insurance contract the present regulation of note issue floating exchange rate policy exchange rate policy of rbi its objectives disadvantages of privatization advantages objectives saving account current account recurring account and nri account nro nre fixed deposit account objectives of rbi functions of rbi development and promotional functions regulatory or traditional functions