Decision No. 185/2004/QD-NHNN dated February 24, 2004 of the State Bank of Vietnam amending and supplementing Clauses 1, 2 and 3, Article 5 of the Regulation on overdrafts and overnight loans applicable to inter-bank electronic payment, promulgated together with the State Bank Governor’s Decision No. 1085/2002/QD-NHNN of October 7, 2002