2010 - YEAR OF THE BICENTENNIAL OF THE MAY REVOLUTION COMMUNICATION "A" 5130 22/10/2010 TO FINANCIAL ENTITIES:
Ref.: Circular
CIRMO 3 - 38
RUNOR 1 - 943
Cancelation Check. Rules on "Monetary Circulation" and "Prevention of Money Laundering and Other Illicit Activities". ______ We address you to inform you that this Institution has adopted the following resolution:
"1. Approve the text of Section 8. "Cancelation Checks" of the rules on "Monetary Circulation" attached as an annex and forming part of this communication.
2. Authorize the General Sub-Department of Payment Means to issue Circular "B" announcing the date from which the operation will enter into force.
3. Incorporate as point 2.2.3. of Section 2. of the rule on "Prevention of Money Laundering and Other Illicit Activities", the following:
"2.2.3. Cancelation checks, in accordance with what is established in Section 8. of the rules on "Monetary Circulation"." Modifications deemed pertinent to the Information Regime and the Plan and Chart of Accounts will be disseminated in due course. Likewise, we send you the sheets that, in replacement of those provided in due course, should be incorporated into the ordered texts of reference. In this sense, we remind you that on this Institution's website www.bcra.gov.ar, accessing "regulations" ("ordered texts"), the modifications made with texts highlighted in special characters (strikethrough and bold) will be found. We greet you very attentively. CENTRAL BANK OF THE ARGENTINE REPUBLIC Alfredo A. Besio Edgardo Fabián Arregui General Submanager of Regulations General Submanager of Payment Means
ANNEX

7.29. Commemorative coins of the Centenary of the Discovery of Argentine Petroleum.
7.29.1. Characteristics.
7.30. Commemorative coins of the 75th Anniversary of the Creation of the Central Bank of the Argentine Republic.
7.30.1. Characteristics.
7.31. Commemorative coins of circulation of $ 1 allusive to the Bicentennial of the May Revolution.
7.31.1. Characteristics.
7.32. Commemorative coins of the South Africa 2010 Football World Cup.
7.32.1. Characteristics.
Section 8. Cancelation Checks.
8.1. Characteristics of cancelation checks (CHC).
8.1.1. Formal.
8.1.2. Security.
8.1.3. Design (front and back).
8.2. Distribution.
8.3. Purchase of CHC in financial entities by the public.
8.3.1. Documentation.
8.3.2. Integration.
8.3.3. Integration by chained operation.
8.3.4. Registration.
8.4. Cash of CHC in financial entities by the public.
8.4.1. Verification of documents.
8.4.2. Intervention of the financial entity in the document.
8.4.3. Registration.
8.5. Consultation to the cancelation check database.
8.6. Delivery to the Central Bank of CHC by financial entities.
Version: 12th COMMUNICATION "A" 5130
Validity:
22/10/2010
B.C.R.A.
ORDERED TEXT OF THE RULES ON
MONETARY CIRCULATION

8.7. Loss, theft or destruction of the cancelation check.
8.7.1. Obligations of the dispossessed holder.
8.7.2. Obligations of the financial entity.
8.8. Seizures.
8.9. Collection of CHC with opposition.
Correlation Table.
B.C.R.A.
ORDERED TEXT OF THE RULES ON
MONETARY CIRCULATION
Version: 5th COMMUNICATION "A" 5130
Validity:
22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.
8.1. Characteristics of cancelation checks (CHC).
8.1.1. Formal.
8.1.1.1. Measures.
225 mm x 65 mm (check and stub).
8.1.1.2. Series and numbering.
They will appear in the main body with two types of printing (typographic and laser) and in the stub of the CHC in laser.
8.1.1.3. Barcode.
It will be found in the main body of the CHC, containing series, number and check digit.
8.1.1.4. Currency.
Pesos or United States dollars (U$S), at the choice of the applicant. Checks drawn in dollars must be used for real estate purchase and sale operations and endorsements must be certified by a public notary.
8.1.1.5. It will contain the legend.
"The cancelation check in United States dollars is for exclusive use in the purchase and sale of real estate".
8.1.1.6. Procedure.
The CHC will be drawn by the financial entities (FE) and must be presented for cash in the entity where the holder has an account during 90 calendar days, counted from the moment they were drawn. After 90 days, the holder can only present it for cash at the Central Bank of the Argentine Republic (BCRA), who will proceed to perform the relevant verifications, prior to payment. The cancelation check produces payment effects from the moment that it is delivered to the creditor, to whom it is transmitted through nominal endorsement. This document may be endorsed twice. Endorsements must be made on the back of the document in front of a notary, financial entity official or judicial authority, who will certify the signature. The second endorsement may only be made by a natural person.
8.1.1.7. Value.
Version: 2nd COMMUNICATION "A" 5130
Validity:
22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.
Each CHC drawn by the financial entities (FE) in pesos, will be for an amount greater than or equal to $5,000 and less than or equal to $ 400,000. Each CHC drawn by the FE in United States dollars, will be for an amount greater than or equal to U$S 2,500 and less than or equal to U$S 100,000.
8.1.1.8. Purchase and Sale.
The natural person who purchases a CHC must do so in a financial entity in which they have an account, and consequently a registered signature. The funds used to purchase a CHC drawn in pesos will come from account debit. The funds used to purchase a CHC drawn in United States dollars will come from account debit or dollar bills. The natural person who cashes the CHC must do so in a financial entity in which they have an account, and consequently a registered signature. The legal person may only purchase CHC in United States dollars and through account debit in that currency, in the financial entity in which they have an account. The legal person receiving a CHC as payment must deposit it in the financial entity where they have an open account. The purchase/deposit/cash operations of CHC will be carried out during public service hours. The intervening financial entities, the legitimized holders and the certifiers may verify the validity of the data of a CHC and that it has no payment impediment, through queries that will be enabled on the BCRA Internet site.
8.1.2. Security.
8.1.2.1. Paper.
Security paper with exclusive watermark of the Mint and security fibers will be used.
8.1.2.2. Prints.
Visible and invisible security inks will be used, in Offset and typographic systems and also laser prints, according to the following detail:
Front:

• Two-color security backgrounds with fugitive ink to organic solvents
  in one of the colors.
• Invisible ink security backgrounds with fluorescence under UV light.
• Blue guards in ink with fluorescence under UV light.
• Microletter in lines and in vertical guards.
  Version: 2nd COMMUNICATION "A" 5130
  Validity:
  22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.

• Perfect registration motif.
• Rosette with photocopy reaction and fluorescence under UV light.
• Typographic numbering with fluorescent penetrating ink under UV light.
• Repeated numbering and barcode, in laser.
  Back:
• One-color security backgrounds with fugitive ink to organic solvents.
• Invisible ink security backgrounds with fluorescence under UV light.
  8.1.3. Design (front and back).
  Version: 2nd COMMUNICATION "A" 5130
  Validity:
  22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.
8.2. Distribution.
8.2.1. Checkbooks of 50 cancelation checks each, with consecutive numbering,
will be distributed by the Treasury Management -Submanagement of Treasury- of this Central Bank.
8.2.2. Financial entities must request the checkbooks of cancelation checks
they need for their operations by presenting a note -in original and copy- with the entity's letterhead, which must be countersigned with signatures registered in this Central Bank, and in which the identifying data and the type and number of document of the person authorized to withdraw the documents are specified.
8.2.3. The reception hours for requests will be from 10 to 12 hours in the Cash Sector,
proceeding to the withdrawal of the required documents the next business day, during that hour and sector.
8.2.4. Financial entities must ensure the availability of cancelation checks in all their branches.
8.3. Purchase of CHC in financial entities.
8.3.1. Documentation.
The participating financial entities will attend to the purchase requests of CHC made by their customers. Natural persons must present the documentation corresponding according to the rules on "Valid Identification Documents", and legal persons, in addition to the aforementioned elements corresponding to the person representing them, the power of attorney or copy of statutes and resolution of the relevant body from which their capacity to carry out the operation on their behalf arises.
8.3.2. Integration.
The entity must integrate the CHC with the data detailed below, authorize it with two authorized signatures and the corresponding stamp in the indicated sector in the document. The data to be integrated on the front of the document are:

• "The amount of": specify as currency "pesos" or "United States dollars" and
  then the amount in letters.
• In the upper right box: specify as currency "pesos" or "dollars" and
  then amount in numbers.
• Date of drawing: Date of sale of the CHC.
• Identity of the buyer: natural person: full surname and names.
  legal person: corporate name.
  Version: 3rd COMMUNICATION "A" 5130
  Validity:
  22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.

• Type and number of identification key: CUIT, CUIL or CDI as applicable.
  The data to be integrated on the back of the document (space below the underline of the field "Transaction No.") are:
• Identity of the 1st beneficiary: natural person: full surname and names.
  legal person: corporate name.
• Type and number of identification key: CUIT, CUIL or CDI as applicable.
  8.3.3. Integration by "chained" operation.
  In the case of a "chained" operation (in which there is a second natural or legal person to whom the document would be transferred), the CHC may have a second endorsement, only if the first beneficiary is a natural person, according to what is described in point 8.1.1.6. In this case, the data of the final beneficiary must also be integrated into the cancelation check at the time of its purchase on the back of the document (in the space below that of the first beneficiary):
• Identity of the 2nd beneficiary: natural person: full surname and names.
  legal person: corporate name.
• Type and number of identification key: CUIT, CUIL or CDI as applicable.
  8.3.4. Registration.
  The financial entity, at the time of selling a cancelation check to a customer, must transfer the corresponding funds to the cancelation check account defined by the BCRA. For this purpose, it will send an MEP transaction generating a debit on its account (corresponding to the currency in which the document was prepared), and crediting the cancelation check account 90000 - 90080 if it is a CHC in pesos and 90000 - 90002 if it is a CHC in United States dollars. In addition to the fixed data, common to all MEP transfers (identification of FE, account to debit and its counterpart to credit, amount and currency), it will contain the following data:
• Identification of the check: number of the check being sold.
• CUIT, CUIL or CDI of the buyer: client requesting the check.
• CBU of the buyer.
• CUIT, CUIL or CDI of the beneficiary/beneficiaries.
  Once the MEP transfer has been sent, the financial entity must record on the back of the cancelation check its entity code, denomination and branch and the number of the transaction assigned by the BCRA and proceed to deliver it to the buyer against payment. Version: 2nd COMMUNICATION "A" 5130 Validity:
  22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.
8.4. Cash of CHC in financial entities.
8.4.1. Verification of documents.
The financial entity must perform the following actions:
8.4.1.1. Receive from its customers the CHC for cash, which must be presented accompanied by the identity document as provided in the
rules on "Valid Identification Documents". In the case of legal persons as final beneficiaries, the CHC must be deposited in their account as specified in point 8.1.1.8.
8.4.1.2. Verify that the CHC is presented for cash by the final beneficiary resulting from the data recorded on the back of the document or by
the buyer themselves.
8.4.1.3. In the case of the buyer themselves presenting the CHC for cash, verify
that there are no endorsements and that, in addition, they have an account and registered signature in that entity.
8.4.1.4. In the case of one of the beneficiaries presenting the CHC for
cash, verify the regularity of the endorsements. If it is the first beneficiary there must be only the endorsement of the buyer, if it is the second beneficiary there must be the endorsement of the buyer and the first beneficiary.
8.4.1.5. If there are endorsements, check that they have been certified by a notary, financial entity or judicial authority and that the corresponding supporting documentation for those endorsements remains attached.
8.4.1.6. In the case of a CHC in dollars, verify that the endorsements have been certified by a public notary, according to what is indicated in point
8.1.1.4.
8.4.1.7. Verify the formal and security characteristics of the document, defined
in points 8.1.1. and 8.1.2.
8.4.1.8. Control that the following data appear on the back of the cancelation check:

• Selling financial entity: code, denomination and branch.
• Number of origin MEP transfer (corresponding to the purchase).
  8.4.1.9. Consult, from the data on the check, the BCRA Internet site according to what is exposed in point 8.5., in order to verify the validity
  of the information and that the document has no payment impediment.
  8.4.1.10. In the case of finding that the cancelation check does not comply with any of the
  security characteristics defined, does not accompany the necessary supporting documentation, has inconsistencies in its data, or is flagged in the query to the cancelation check database as a document with payment impediment or seizure, proceed according to what is indicated in point 8.9. Version: 2nd COMMUNICATION "A" 5130 Validity:
  22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.
8.4.1.11. Verify that the CHC includes on the front the data of the holder or final beneficiary
or proceed to its integration:

• Identity of the final beneficiary: natural person: full surname and names.
  legal person: corporate name.
  -Type and number of identification key: CUIT, CUIL or CDI as applicable.
  8.4.2. Intervention of the financial entity in the document.
  The financial entity will require the signature of the holder or final beneficiary on the back of the CHC, intervening it with the signature of an authorized official for this purpose and a stamp.
  8.4.3. Registration.
  After performing the verifications exposed in points 8.4.1 and 8.4.2, the financial entity will send an MEP "Credit Request" transaction to the BCRA containing the following information:
• Financial entity: code of the entity paying the check.
• Identification of the check: number of the check to be paid.
• CUIT, CUIL or CDI of the final beneficiary: identification of the person receiving the
  amount indicated in the check.
• CBU of the final beneficiary.
• CUIT, CUIL or CDI of the buyer.
• "Additional information": specifies if the FE requested additional information from the client for
  proceeding with the payment of the check. For its record, the system will provide a table with options to select. The BCRA will control that the check is pending for cash and that the data corresponding to the MEP purchase transaction (origin) are valid. After performing these verifications, it will authorize the credit on the account of the FE that will pay the check and issue an MEP transaction number, enabling it to pay the CHC to the presenting client immediately.
  8.5. Consultation to the cancelation check database.
  The intervening financial entities, the legitimized holders and the certifiers must verify that a CHC has no payment impediment and the validity of its data through the queries that will be enabled on the BCRA Internet site. Version: 2nd COMMUNICATION "A" 5130 Validity:
  22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.
To perform a query on a CHC, on the access screens of the BCRA Internet site, the following data must be entered:

• Identification of the check.
• Issuing/selling financial entity.
• Currency.
• Amount.
• CUIT, CUIL or CDI of the buyer.
• CUIT, CUIL or CDI of the beneficiary/beneficiaries.
• MEP transaction number corresponding to the purchase of the cancelation check.
• "captcha" code: security code that must be typed within a time period
  to be defined.
  If all entered fields are correct, the response of the query application will indicate that the entered data match the information of a specific cancelation check and will present: the sale date, if the check can be cashed before a financial entity and other pertinent data.
  8.6. Delivery to the Central Bank of CHC by financial entities.
  8.6.1. The CHC will be received in the Treasury Management -Submanagement of Treasury- Cash Sector during the hours of 10 to 12.
  8.6.2. Document delivery procedure.
  8.6.2.1. Financial entities must send to the Central Bank the paid CHC
  within 10 (ten) calendar days of said operation, otherwise, the funds of their accounts open at the BCRA will be debited preventively, without prejudice to being subject -after summary for non-compliance with said deadline- to the sanctions provided for in art. 41 of the Financial Entities Law. The CHC paid by the FE will be presented by note -in original and copy- with the letterhead of the presenting entity, which must be countersigned with signatures registered in the Central Bank and in which it must detail at least its numbering, amount, date of integration. The BCRA will verify its legitimacy and correct integration in due course. If illegitimacy of the presented documents or discrepancies with the information contained in the database referred to in point 8.5. is proven, the credit made in the account of the paying financial entity open at this Institution -pesos and/or United States dollars- will be reversed preventively, until a decision is adopted on the opposition to determine the definitive condition of the CHC. Version: 2nd COMMUNICATION "A" 5130 Validity:
  22/10/2010

MONETARY CIRCULATION
B.C.R.A.
Section 8. Cancelation Checks.
8.6.2.2. The CHC delivered to the BCRA by the FE, as return or cancelled, will be presented by note -in original and copy- with the letterhead of
the presenting entity, which must be countersigned with signatures registered in the Central Bank and in which it must detail at least its numbering. Cancelled documents must be presented to the BCRA before the 10th day of each month. If there are discrepancies between the data shown in the presented note and the numbering of the documents, the presenting entity will be returned all documentation for correct presentation.
8.7. Loss, theft or destruction of the cancelation check.
The rules of this point apply to all cancelation checks (CHC) delivered to clients and to blank CHC formulas that have not been integrated and are in the possession of a financial entity, that are subject to situations of loss, theft or destruction. The complaints filed, according to the procedures described in this point, will be valid from the receipt of said information in the database of cancelation checks referred to in point 8.5.
8.7.1. Obligations of the dispossessed holder.
8.7.1.1. Immediately communicate to the entity where the dispossessed holder has
their account open, by presenting a note including the following data:

• Denomination of the financial entity and branch that sold the CHC.
• Reason for the complaint.
• Number of the CHC.
• Full names and surnames of the complainants, type and number of the
  documents they present to establish their identification as provided in the rules on "Valid Identification Documents". When the complainant is not the buyer of the cancelation check, include - if known-: name, surname, type and number of document of the latter and/or the previous holder. Within the next 24 business hours, they will present before the financial entity, credible accreditation of the relevant complaint, made before the competent authority, in accordance with what is provided in the current regulations in the jurisdiction in question. Version: 2nd COMMUNICATION "A" 5130 Validity:
  22/10/2010

CIRCULACIÓN MONETARIA

B.C.R.A.

Sección 8. Cheques cancelatorios.

8.7.1.2. When it concerns the loss, theft, or destruction of an unassigned CHC, existing in a financial entity, the latter must make the report mentioned in the preceding point and proceed in accordance with what is provided in point 8.7.2., being liable before any judicial action that the holder(s) in good faith might undertake.

8.7.2. Obligations on the financial entity. Upon receipt of notes regarding reports, the financial entity must:

8.7.2.1. Identify the person presenting the report, using the corresponding identity document, in accordance with what is established in the rules on “Valid Identification Documents” and receive the documentation described in point 8.7.1.1.

8.7.2.2. Deliver a certificate certifying the date and time at which the report was received.

8.7.2.3. Immediately inform the Central Bank of the Argentine Republic, through the mechanism specified in the circular issued for this purpose, so that the documents are included in the cancelatory cheques database referred to in point 8.5. and, within 72 business hours of receiving the credible accreditation, send to the Central Bank -Cash Sector- the report and complementary documentation deemed pertinent.

8.7.2.4. If, within 24 business hours of receiving the report note, the report has not been credibly accredited before the entity, it must inform the fact to the Central Bank of the Argentine Republic, through the mechanism specified in the circular issued for this purpose, so that the report is lifted on the documents in the cancelatory cheques database.

8.8. Embargoes.
The financial entity that receives a judicial embargo on a CHC, in which its number and the CUIT/CUIL/CDI of the embarged party are stated, will proceed -after consulting its status- to immediately inform the Central Bank of the Argentine Republic, through the mechanism specified in the circular issued for this purpose, in order to record this circumstance and, within 5 calendar days, send to the Central Bank -Cash Sector- the complementary documentation deemed pertinent.

Upon receiving a judicial embargo on a CHC, or information on an embargo from a financial entity, in which the number and the CUIT, CUIL or CDI of the embarged party are stated, the BCRA will proceed to register the embargo in the cancelatory cheques database. This registration will be carried out on the CHC, on the person(s) indicated in the judicial letter. For the payment of a CHC with embargo observations, financial entities must follow the guidelines specified in points 8.4. and 8.9.

Version: 2nd. COMMUNICATION “A” 5130
Validity:
22/10/2010

CIRCULACIÓN MONETARIA

B.C.R.A.

Sección 8. Cheques cancelatorios.

8.9. Collection of CHC with opposition.

8.9.1. In the event that the legitimate final beneficiary of a CHC with opposition does not have the physical instrument and has carried out the actions specified in point 8.7.1. -“obligations on the dispossessed holder”-, they may present it for collection management at the BCRA.

8.9.2. In the event that the CHC with opposition presented for collection has an endorsement certified by a public notary, the beneficiary must be requested, prior to payment, certification of the notary’s signature at the College of Notaries, without prejudice to verifying compliance with what is provided in point 8.4.1. of these rules. In the event that the CHC with opposition presented for collection does not have an endorsement certified by a public notary, the actions described in point 8.9.4. will be carried out.

8.9.3. In the event that it has been verified in the consultation to the cancelatory cheques database that the CHC presented for collection is in “Embargoed” status, it must be verified against what was informed by the aforementioned consultation whether the beneficiary holder is the one who is embarged. If not, it will proceed to its payment after executing the actions established in point 8.4.1 of these rules. If the holder of the CHC is found to be embarged, the actions described in point 8.9.4. must be carried out.

8.9.4. The financial entity must retain the CHC with opposition presented for collection, under the responsibility of the complainant, and make two copies of the front and back of said document. Deliver to the presenter a receipt and copy of the screen of the consultation to the database administered by the BCRA of cancelatory cheques with opposition, duly signed and with the entity’s seal. Send within 5 calendar days the retained CHC with opposition to the BCRA -Treasury Management-, through a note -in original and copy- with the letterhead of the presenting entity, which must be countersigned with signatures registered at the Central Bank and in which at least its numbering, amount, and date of integration must be detailed.

Version: 2nd. COMMUNICATION “A” 5130
Validity:
22/10/2010

CIRCULACIÓN MONETARIA

TEXTO ORDENADO NORMA DE ORIGEN

Sección	Punto	Párrafo	Com.	Capítulo	Punto	Párrafo	OBSERVACIONES
7.5.2.	-	-	A 2539	-	-	5°	-
7.6.1.	-	-	A 2608	-	-	1°,2°,3°y 4°	-
7.6.1.	-	-	A 2644	-	-	1°,2°,3°y 4°	-
7.6.2	-	-	A 2608	-	-	5°	-
7.6.2.	-	-	A 2644	-	-	5°	-
7.7.1.	-	-	A 2656	-	-	1°,2°,4°y 5°	-
7.7.2.	-	-	A 2656	-	-	3°	-
7.7.3.	-	-	A 2656	-	-	3°	-
7.7.4.	-	-	A 2656	-	-	6°	-
7.8.1.	-	-	A 2739	-	-	1°al 5°	-
7.8.2.	-	-	A 2739	-	-	6°	-
7.8.2.	-	-	C 20087	-	-	1°	-
7.9.	-	-	A 2974	-	-	1°a 5°	-
7.10.1.	-	-	A 2974	-	-	1°a 5°	-
7.10.2.	-	-	A 2974	-	-	1°a 5°	-
7.11.1.	-	-	A 3125	-	-	1°a 7°	-
7.11.2.	-	-	A 3125	-	-	1°a 7°	-
7.11.1.	-	-	A 3151	-	-	1°a 7°	-
7.12.1.	-	-	A 3186	-	-	1°a 7 °	-
7.12.2.	-	-	A 3186	-	-	1°a 7°	-
7.12.3.	-	-	A 3186	-	-	1°a 7°	-
7.13.1.	-	-	A 3248	-	-	1°a 7°	-
7.13.2.	-	-	A 3248	-	-	1°a 7°	-
7.14.1.	-	-	A 3346	-	-	1°a 5°	-
7.14.2.	-	-	A 3346	-	-	6°	-
7.15.1.	-	-	A 3383	-	-	1°	-
7.16.1.	-	-	A 3383	-	-	1°	-
7.17.1.	-	-	A 4137	-	-	1°	-
7.18.1.	-	-	A 4326	-	-	-	-
7.19.1.	-	-	A 4326	-	-	-	-
7.20.1.	-	-	A 4456	-	-	-	-
7.21.1.	-	-	A 4456	-	-	-	-
7.22.1.	-	-	A 4590	-	-	-	-
7.23.1.	-	-	A 4650	-	-	-	-
7.24.1.	-	-	A 4746	-	-	-	-
7.25.1.	-	-	A 4791	-	-	-	-
7.26.1.	-	-	A 4829	-	-	-	-
7.27.1.	-	-	A 4885	-	-	-	-
7.28.1.	-	-	A 5014	-	-	-	-
7.29.1.	-	-	A 5017	-	-	-	-
7.30.1.	-	-	A 5080	-	-	-	Según Com. “A” 5092
7.31.1.	-	-	A 5084	-	-	-	-
7.	-	-	-	-	-	-	-
7.32.1.	-	-	A 5090	-	-	-	-
8.1.	-	Anexo	A 3201	-	1 -	-	Según Com. “A” 5130
8.	-	-	-	-	-	-	-
8.1.1.	-	Anexo	A 3201	-	1.1 -	-	Según Com. “A” 5130
8.1.2.	-	Anexo	A 3201	-	1.2 -	-	Según Com. “A” 5130
8.1.3.	-	-	“A” 5130	-	-	-	-
8.2.	-	-	A 3201	-	-	-	Según Com. “A” 5130
8.2.1.	-	-	A 3201	-	1 -	-	Según Com. “A” 5130
8.2.2.	-	-	A 3202	-	-	-	Según Com. “A” 5130
8.2.3.	-	-	A 3210	-	-	-	Según Com. “A” 5130
8.2.4.	-	-	A 3201	-	-	-	Según Com. “A” 5130
8.3.	-	-	A 3201	-	-	-	Según Com. “A” 5130
8.3.1.	-	-	A 3201	-	5 -	-	Según Com. “A” 5130
8.3.2.	-	-	A 3201	-	6 -	-	Según Com. “A” 5130
8.3.3.	-	-	A 3201	-	7 -	-	Según Com. “A” 5130
8.3.4.	-	Anexo	A 3201	-	3 -	-	Según Com. “A” 5130
8.4.	-	-	A 3201	-	-	-	Según Com. “A” 5130
8.4.1.	-	-	A 3201	-	8 -	-	Según Com. “A” 5130
8.4.2.	-	-	A 3201	-	9 -	-	Según Com. “A” 5130
8.4.3.	-	-	A 3201	-	10 -	-	Según Com. “A” 5130
8.5.	-	-	A 3201	-	-	-	Según Com. “A” 5130
8.6.	-	-	A 3201	-	13 -	-	Según Com. “A” 5130
8.7.	-	-	A 3201	-	-	-	Según Com. “A” 5130
8.7.1.	-	-	A 3201	-	14 -	-	Según Com. “A” 5130
8.7.2.	-	-	“A” 5130	-	-	-	-
8.8.	-	-	A 3201	-	-	-	Según Com. “A” 5130
8.	-	-	-	-	-	-	-
8.9.	-	-	A 3201	-	16 -	-	Según Com. “A” 5130

2.1. Limitation.
Cheques -common or deferred payment-, issued to bearer or in favor of a specific person, shall not be paid over the counter for amounts exceeding $ 50,000. Neither shall drafts -at sight or at a fixed day- drawn against demand accounts opened at cooperative credit institutions, issued or not in favor of a specific person, be paid over the counter for amounts exceeding $ 25,000.

2.2. Exceptions.

2.2.1. The instruments issued in favor of the holders of the accounts against which they are drawn, exclusively when presented to the depositing entity by themselves.

2.2.2. The values in favor of third parties destined for the payment of salaries and other habitual remuneration for amounts that include the payroll globally, for which the drawer must extend, on each occasion, a certification in which the purpose of the draft is expressly stated, which will be archived in the entity.

2.2.3. Cancelatory cheques, in accordance with what is established in Section 8. of the rules on “Monetary Circulation”.

2.3. Safeguards.
It will be necessary to arrange the safeguards considered necessary aimed at preventing that, through repeated withdrawals, for amounts that do not reach the level determined in point 2.1., the established limitation is circumvented.

PREVENCIÓN DEL LAVADO DE DINERO

Y DE OTRAS ACTIVIDADES ILÍCITAS

B.C.R.A.

Sección 2. Pago de cheques y letras de cambio por ventanilla.

Version: 5th. COMMUNICATION “A” 5130
Validity:
22/10/2010

PREVENCIÓN DEL LAVADO DE DINERO Y DE OTRAS ACTIVIDADES ILÍCITAS

TEXTO ORDENADO NORMA DE ORIGEN Observaciones

Sección	Punto	Párrafo	Comunic.	Punto	Párrafo	Observaciones
1.7.3.	-	-	"A" 2627	5.	-	Según Com. “A” 4353
1.7.4.	-	-	"A" 2627	4.	-	-
1.8.	-	-	“A” 2627	1.	2°	Según Com. “A” 3037 y “A” 4353
-	-	-	“A” 2509	1.	-	-
1.9.1.	-	-	"A" 2627	1.	-	-
1.9.2.	-	-	"A" 2627	8.	-	-
1.9.3.	-	-	"A" 2451	2°	-	Según Com. “A” 4353
1.9.4.	-	-	"A" 2451	2°	-	Según Com. “A” 4353 y “B” 9469.
1.9.5.	-	-	“A” 4353	-	-	-
1.9.6.	-	-	“A” 4675	3.	-	-
1.9.7.	-	-	“A” 4835	6.	-	-
1.	-	-	-	-	-	-
1.1.10.	-	-	“A” 4835	3.	-	-
2.1.	1°	-	"A" 2543	1.	1°	Según Com. “A” 3059 y “A” 3831
-	2°	-	“A” 4713	-	-	-
2.2.1.	-	-	"A" 2543	1.	2°	Según Com. “A” 3061 y “A” 4713
2.2.2.	-	-	"A" 2543	1.	2°	-
2.2.3.	-	-	“A” 5130	-	-	-
2.	-	-	-	-	-	-
2.3.	-	-	"A" 2543	2.	-	-
3.1.	1°	-	"A" 2213	1°	-	-
-	2°	-	"A" 2213	3°	-	-
3.2.1.	-	-	"B" 5672	5°	-	-
3.2.1.1.	-	-	"B" 5672	5°	-	-
3.2.1.2.	-	-	-	-	-	Incluye aclaración interpretativa
3.2.2.	-	-	"B" 5672	4°	-	-
3.2.3.	-	-	"B" 5672	6°	-	-
3.3.1.	-	-	"B" 5672	2°	-	-
3.3.2.	-	-	"A" 2213 "B" 5672	2° 3°	-	-
3.3.3.	-	-	"A" 2213	2°	-	-
3.3.4.	-	-	"B" 5709	2°	-	-
3.3.4.1.	-	-	"B" 5709	2°	-	-
3.3.4.2.	-	-	"B" 5709	2°	-	-
3.3.4.3.	-	-	"B" 5709	2°	-	-
3.3.5.	-	-	"B" 5672	2°	-	-
3.	-	-	-	-	-	-
3.3.6.	-	-	"B" 5672	2°	-	-