Civil ensign of Yugoslavia (i.e. Serbia and Montenegro) from 1998 to 2003.
The civil ensign is prescribed by decision "Pravilnik o vijenju zastave trgovacke mornarice Savezne Republike Jugoslavije", publihsed in <i>Službeni list SRJ 31</i> on 26 June 1998 (Regulations on flying the merchant ensign of the Federal Republic of Yugoslavia, Official Gazette of Yugoslavia.)
<a rel="nofollow" class="external free" href="https://www.crwflags.com/fotw/flags/cs.html#sta">https://www.crwflags.com/fotw/flags/cs.html#sta</a>