【正文】 the date mentioned, unless the credit specifically provides that from is considered to include the date mentioned. Therefore, for the purposes of determining the maturity date of a time draft, the words from and after have the same effect. Calculation of the maturity mences the day following the date of the document, shipment, or other event, . 10 days after or from March 1 is March 11. e) If a bill of lading showing more than one on board notation is presented under a credit which requires drafts to be drawn, for example, at 60 days after or from bill of lading date, and the goods according to both or all on board notations were shipped from ports within a permitted geographical area or region, the earliest of these on board dates will be used for calculation of the maturity date. Example: the credit requires shipment from European port and the bill of lading evidences on board vessel A from Dublin August 16, and on board vessel B from Rotterdam August 18. The draft should reflect 60 days from the earliest on board date in a European port, . August 16. f) If a credit requires drafts to be drawn, for example, at 60 days after or from bill of lading date, and more than one set of bills of lading are presented under one draft, the date of the last bill of lading will be used for the calculation of the maturity date. 46) While the examples refer to bill of lading dates, the same principles apply to all transport documents. Maturity date 47) If a draft states a maturity date by using an actual date, the date must have been calculated in accordance with the requirements of the credit. 48) For drafts drawn at XXX days sight, the maturity date is established as follows: a) in the case of plying documents, or in the case of nonplying documents where the drawee bank has not provided a refusal of documents, the maturity date will be XXX days after the date of receipt of documents by the drawee bank. b) in the case of nonplying documents where the drawee bank has provided a notice of refusal of documents and subsequent approval, at the latest XXX days after the date of acceptance of the draft by the drawee bank. The date of acceptance of the draft must be no later than the date of approval of the documents. 49) In all cases the drawee bank must advise the maturity date to the presenter. The calculation of tenor and maturity dates, as shown above, would also apply to credits designated as being available by deferred payment, . where there is no requirement for a draft to be presented by the beneficiary. Banking days, grace days, delays in remittance 50) Payment must be available in immediately available funds on the due date at the place where the draft or documents are payable, provided such due date is a banking day in that place. If the due date is a nonbanking day, payment will be due on the first banking day following the due date unless the credit states otherwise. Delays in the remittance of funds, such as grace days, the time it takes to remit funds, etc., must not be in addition to the stated or agreed due date as defined by the draft or documents. Endorsement 51) The draft must be endorsed, if necessary. Amounts 52) The amount in words must accurately reflect the amount in figures if both are shown, and indicate the currency, as stated in the credit. 53) The amount must agree with that of the invoice, unless otherwise stated in the credit or as a result of UCP subArticle 37(b). How the draft is drawn 54) The draft must be drawn on the party stated in the credit. 55) The draft must be drawn by the beneficiary. Drafts on the applicant 56) Credits should not be issued requiring that drafts be drawn on the applicant. If a credit calls for drafts to be drawn on the applicant, banks must consider such drafts as additional documents to be reviewed in accordance with UCP Article 21. Corrections and alterations 57) Corrections and alterations on a draft, if any, must appear to have been authenticated by the drawer. 58) In some countries draft(s) showing corrections and alterations are not acceptable even with the drawer39。s authentication. Issuing banks in such countries should make a statement in the credit to the effect that no correction or alteration must appear in the draft(s). INVOICESDefinition of invoice 59) A credit requiring an invoice without further definition will be satisfied by any type of invoice presented (mercial invoice, customs invoice, tax invoice, final invoice, consular invoice, etc.). However, invoices identified as provisional, proforma, or the like are not acceptable unless specifically authorized in the credit. When a credit requires presentation of a mercial invoice, a document titled invoice will be acceptable. Name and address 60) An invoice must appear on its face to have been issued by the beneficiary named in the credit. Telex or fax numbers, etc., forming part of the address, need not be present, or, if stated, need not be identical to that in the credit. 61) An invoice must be made out in the name of the applicant. Telex or fax numbers, etc., forming part of the address, need not be present, or, if stated, need not be identical to that in the credit. Description of the goods and other general issues related to invoices 62) The description of the goods in the invoice must correspond with the description in the credit. There is no requirement for a mirror image. For example, details of the goods may be stated in a number of areas within the invoice which, when collated together, represents a description of the goods corresponding to that in the credit. 63) The goods description in an invoice must reflect what goods have been actually shipped. For example, where there are two types of goods shown in the credit, such as 10 trucks and 5 tractors, an invoice that r