Chapter XII: InterUnion Confederate Finance All sovereign states must apply to join InterUnion Confederate Finance by clicking on the "Apply to Join" under InterUnion Confederate Finance section then submit the application form with a minimum deposit of N$1000 or C$100,000 to a banker. As International Union has not established in CyberNations yet, joining applications for CyberNations will be rejected. The exchange rates are based on InterUnion Standard Trading Rates, and finalised value of all resources in money will be written as Nations Dollar (N$) (or CyberNations Dollar (C$) respectively). Transactions are semi-automatic, require human intervention to review and process it manually. All transactions made are non-reversible. Bond interest rates and return time frames are based on the reasons: to expand — 20%; within 7 days for development purposes — 15%; within 14 days urgent shortage — 10%; within 3 days shortage due to war — 20%; within 7 days recovering from war — 20%; within 30 days These are the interest rates and return time frames exclusively for the member states of the International Union: to expand — 10%; within 7 days for development purposes — 10%; within 30 days (only 5% interest if the member state is below Tier 5) urgent shortage — 5%; within 5 days shortage due to war — 5%; within 14 days recovering from war — 5%; within 21 days All active nations are to return the bonds within the given time frame, failure to do so will be subjected to public enemy of the International Union.