14 payments were made; and (c) its payments otherwise than in cash on each day and the person to whom and purpose for which such payments were made. 14 Unlawful trading in cash (1) No person other than a financial institution or moneylender shall exchange any negotiable instrument for cash at a premium. (2) No financial institution or moneylender shall charge any premium for exchanging any negotiable instrument for cash in excess of the greater of the following amounts— (a) the amount of any fee, commission or other charge (exclusive of any tax imposed by the State) imposed by it for such exchange on the fixed date; or (b) the prescribed amount. 15 Maximum cash to be kept by moneylenders (1) No moneylender shall at any time keep for the purposes of his or her business cash in excess of ten million dollars (or such other amount in excess of ten million dollars as the Minister may prescribe from time to time) unless he or she has good cause for doing so. (2) A moneylender shall have the burden of proving, to the satisfaction of an inspector, police officer or any court, that he or she has good cause for not complying with subsection (1). 16 Abolition, freezing and monitoring of charges by financial institutions for deposit, withdrawal or transfer of cash or other financial services (1) No financial institution shall impose any fee, commission or other charge whatsoever in respect of the deposit with it of cash by a trader, parastatal or any other person, except such fee, commission or other charge as the Minister may, after consultation with the Governor of the Reserve Bank, prescribe. (2) The Minister may prescribe the maximum fee, commission or other charge for the withdrawal of cash or foreign currency by an account holder, or for the transfer of cash or foreign currency between account holders or between an account holder and any other person, and if the Minister so prescribes no financial institution shall impose any fee, commission or other charge for any such service (exclusive of any tax imposed by the State) in excess of the maximum fee, commission or other charge so prescribed. (3) The Unit shall keep under review every fee, commission or other charge imposed by any financial institution or class of financial institution for its services (other than for the deposit, withdrawal or transfer of cash or foreign currency), and for that purpose may issue to any financial institution a disclosure order requiring it to account for the basis on which it imposes the fee, commission or other charge. (4) After reviewing in terms of subsection (3) any fee, commission or other charge imposed by a financial institution or class of financial institution, the Director may, subject to section nineteen, issue a compliance order requiring the financial institution or class of financial institution concerned to reduce the fee, commission or other charge in issue to a level specified in the order.