The programme of operations to be provided by the applicant as an Electronic Money Institution (e-money, EMI) should contain the following information:
a) an indication of the e-money services the applicant intends to provide: issuance, redemption, distribution;
b) if applicable, a step-by-step description of the type of payment services envisaged, including an explanation of how the activities and the operations that will be provided are identified by the applicant as fitting into any of the legal categories of payment services listed in Annex I to PSD2, and an indication of whether these payment services would be provided in addition to electronic money services or whether they are linked to the issuance of electronic money;
c) a declaration of whether the applicant will at any point enter or not into possession of funds;
d) if applicable, a description of the execution of the different e-money services and, if applicable, payment services, detailing all parties involved, for each e-money service and, if applicable, each payment service provided:
i. a diagram of flow of funds;
ii. settlement arrangements;
iii. draft contracts between all the parties involved in the provision of payment services including those with payment card schemes, if applicable;
iv. processing times;
e) a copy of the draft contract between the electronic money issuer and the electronic money holder and the draft framework contract, as defined in Article 4(21) of PSD2 if the applicant pretends to provide payment services in addition to e-money services;
f) the estimated number of different premises from which the applicant intends to provide the services, if applicable;
g) a description of any ancillary services to e-money services and, if applicable, to payment services;
h) when the applicant intends to provide payment services in addition to e-money services, a declaration of whether or not the applicant intends to grant credit and, if so, within which limits;
i) a declaration of whether or not the applicant plans to provide e-money services and, if applicable, payment services in other EU Member States or third countries after the granting of the licence;
j) an indication of whether or not the applicant intends, for the next three years, to provide or already provides business activities other than e-money services and, if applicable, payment services, as referred to in Article 11(5) of Directive (EU) 2015/2366, including a description of the type and expected volume of the activities;
k) the information specified in EBA Guidelines on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance or other comparable guarantee under Article 5(4) of Directive (EU) 2015/2366’ (EBA/GL2017/08), where the applicant intends to provide services 7 and 8 (payment initiation services (PIS) and account information services (AIS).