4. The Authorities may, by consensus, set up such sub-committees as may be deemed necessary to carry out any specific assignment or duty of CISNA. ARTICLE 14 REFERRALS If any Authority believes that a matter falls more appropriately within the jurisdiction of another Authority, or that some joint action is required in dealing with the matter, such matter should be referred to the other Authority as soon as is reasonably practicable. ARTICLE 15 CESSION AND ASSIGNMENT An Authority or designated representative of such Authority may not cede, assign or transfer any right or obligation granted under this Annex without the prior written consent of all the Authorities, which consent shall not be unreasonably withheld. ARTICLE 16 CONSULTATIONS The Authorities shall assist one another to develop approaches for strengthening the regulation, supervision and the efficiency of the financial institutions in the Authorities' respective jurisdictions while avoiding, where possible, conflicts that may arise from the application of differing regulatory and supervisory practices. 106