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Article  1405:  National  Treatment

1.  Each  Party  shall  accord  to  investors  of  another  Party  treatment  no  less  favorable  than  that  it  accords  to  its  own  investors,  in  like  circumstances,  with  respect  to  the  establishment,  acquisition,  expansion,  management,  conduct,  operation,  and  sale  or  other  disposition  of  financial  institutions  and  investments  in  financial  institutions  in  its  territory.

2.  Each  Party  shall  accord  to  financial  institutions  of  another  Party  and  to  investments  of  investors  of  another  Party  in  financial  institutions  treatment  no  less  favorable  than  that  it  accords  to  its  own  financial  institutions  and  to  investments  of  its  own  investors  in  financial  institutions,  in  like  circumstances,  with  respect  to  the  establishment,  acquisition,  expansion,  management,  conduct,  operation,  and  sale  or  other  disposition  of  financial  institutions  and  investments.

3.  Subject  to  Article  1404  --715-Art.  1404--,  where  a  Party  permits  the  cross-border  provision  of  a  financial  service  it  shall  accord  to  the  cross-border  financial  service  providers  of  another  Party  treatment  no  less  favorable  than  that  it  accords  to  its  own  financial  service  providers,  in  like  circumstances,  with  respect  to  the  provision  of  such  service.

4.  The  treatment  that  a  Party  is  required  to  accord  under  paragraphs  1,  2  and  3  means,  with  respect  to  a  measure  of  any  state  or  province:

For  greater  certainty,  in  the  case  of  an  investor  of  another  Party  with  investments  in  financial  institutions  or  financial  institutions  of  such  investor,  located  in  more  than  one  state  or  province,  the  treatment  required  under  subparagraph  (a)  means:

5.  A  Party's  treatment  of  financial  institutions  and  cross-border  financial  service  providers  of  another  Party,  whether  different  or  identical  to  that  accorded  to  its  own  institutions  or  providers  in  like  circumstances,  is  consistent  with  paragraphs  1  through  3  if  the  treatment  affords  equal  competitive  opportunities.

6.  A  Party's  treatment  affords  equal  competitive  opportunities  if  it  does  not  disadvantage  financial  institutions  and  cross-border  financial  services  providers  of  another  Party  in  their  ability  to  provide  financial  services  as  compared  with  the  ability  of  the  Party's  own  financial  institutions  and  financial  services  providers  to  provide  such  services,  in  like  circumstances.

7.  Differences  in  market  share,  profitability  or  size  do  not  in  themselves  establish  a  denial  of  equal  competitive  opportunities,  but  such  differences  may  be  used  as  evidence  regarding  whether  a  Party's  treatment  affords  equal  competitive  opportunities.