13. For the purposes of paragraphs 4, 5 and 7, a description of—
(a)the audit arrangements of the applicant; and
(b)the organisational arrangements that the applicant has set up,
with a view to the applicant taking all reasonable steps to protect the interests of its electronic money holders and payment service users and to ensuring continuity and reliability in the performance of the issuance of electronic money and payment services activities.