The biggest risks associated with bank deposit agreements are interest rate risk and liquidity risk. If interest rates fall, there may be more investments in bank deposits than the bank can invest profitably. If interest rates rise, there may be fewer investments and more withdrawals, putting pressure on the bank to maintain much of the funds liquid. Fixed-rate bank deposit agreements are also sensitive to inflation – for example, it is possible that buying a five-year bank deposit contract will eliminate the possibility of generating higher returns if interest rates rise during the holding period. These risks increase the overall risk of the bank itself, which is why bank auditors assess the financing of bank deposit agreements and banking policies and practices related to the activity of bank deposit agreements. Second, bank deposit agreements allow withdrawals in certain circumstances before the expiry of the contract (para. B example, if the owner retires, becomes disabled, is dismissed or suffers some kind of difficulty, or if the company sponsoring the pension plan that buys the bank deposit contract suffers from a financial emergency). The Belgian Ministry of Foreign Affairs acts as depositary for multilateral treaties such as the Treaty establishing Eurocontrol.  The depositary contract (Article 21(2) of the Directive, Article 82 of the Level 2 Regulation) A depositary bank agreement relating to each bank account of each issuer and its subsidiaries that then exists (with the exception of a bank account held with Hibernia), duly by that issuer and the bank or other depositary with which that bank account is held, is executed. . .