Following a ceasefire agreement reached in November 2003, construction resumed and was completed at the end of 2004. LoC fences were completed on 30 September 2004 in the Kashmir Valley and Jammu region.  According to Indian military sources, the fence has reduced by 80% the number of militants who regularly cross the Indian side of the disputed state to attack soldiers.  How to calculate my credit, you use a method called „Average daily credit (including new transactions)”. For more information, see my account agreement. Securing real estate for all the other loans I have with you can also guarantee this agreement. However, no agreement creating an interest in my apartment guarantees the payment of this line of credit. Settlement rights – You can find information about my rights to challenge and exercise these rights in my account agreement.