Circular Letter No. 3594 — Clarifies Provisions of Resolutions Nos. 3,919 of November 25, 2010, and 4,196 of March 15, 2013

CIRCULAR LETTER NO. 3,594, OF APRIL 22, 2013
Clarifies the provisions of Resolutions Nos. 3,919 of November 25, 2010, and 4,196 of March 15, 2013.

The Head of the Department of Standards of the Financial System (Denor), in the exercise of the authority conferred upon him by art. 22, item I, clause "a", of the Internal Regulations of the Central Bank of Brazil, annexed to Ordinance No. 29,971 of March 4, 2005, having regard to the provisions of Resolutions Nos. 3,919 of November 25, 2010, and 4,196 of March 15, 2013,

RESOLVES:

Art. 1 The clarification regarding the option for the client to choose the use and payment of individualized services or the use of service packages referred to in art. 1 of Resolution No. 4,196 of March 15, 2013, must be inserted in a prominent manner in the deposit account opening contract, noting that, in the case of opting for packages offered by the institution, art. 8 of Resolution No. 3,919 of November 25, 2010, which establishes the obligation to use a specific contract for the contracting of service packages, must be observed.

Art. 2 The provision of art. 18, caput, item II, of Resolution No. 3,919 of 2010, which establishes the obligation to disclose a new fee by the institution at least thirty days in advance of the charge, also applies to the standardized packages of priority services referred to in Resolution No. 4,196 of 2013.

Art. 3 In the disclosure of the service packages offered, financial institutions may observe the exemplary models presented below, including with respect to their respective denominations:

Standardized Service Package I (Table II annexed to Resolution No. 3,919 of 2010) Checking Account - Transaction with card (no check)

Item	Service	Individual Value (R$)	Monthly Quantity Included in Package	Total Value (R$)	Free Services per Month *	Total Quantity per Month
1	1.1 Creation of registration for start of relationship	-	-	-	-	-
2	2.3.1 Withdrawal	4	4	8	-	-
3	2.5.1 Provision of monthly statement	2	2	4	-	-
4	2.5.2 Provision of statement of a period	2	-	2	-	-
5	3.4 Transfer between accounts at the same institution	2	2	4	-	-

Total value of services considering their individual use (R$) Monthly value charged by the package (R$)

• Free services established by art. 2 of Resolution No. 3,919 of November 25, 2010.

Circular Letter No. 3,594, of April 22, 2013 Page 2 of 2

Standardized Service Package II (Table I annexed to Resolution No. 4,196 of 2013) Checking Account - Transaction with check and card

Item	Service	Individual Value (R$)	Monthly Quantity Included in Package	Total Value (R$)	Free Services per Month *	Total Quantity per Month
1	1.1 Creation of registration for start of relationship	-	-	-	-	-
2	2.2.3 Provision of check sheets	2	10	12	-	-
3	2.3.1 Withdrawal	4	4	8	-	-
4	2.5.1 Provision of monthly statement	4	2	6	-	-
5	2.5.2 Provision of statement of a period	2	-	2	-	-
6	3.1 Transfer by means of DOC	1	-	1	-	-
	3.2 Transfer by means of TED
7	3.4 Transfer between accounts at the same institution	2	2	4	-	-

Total value of services considering their individual use (R$) Monthly value charged by the package (R$)

• Free services established by art. 2 of Resolution No. 3,919 of November 25, 2010.

Standardized Service Package III (Table II annexed to Resolution No. 4,196 of 2013) Checking Account - Transaction with check and card

Item	Service	Individual Value (R$)	Monthly Quantity Included in Package	Total Value (R$)	Free Services per Month *	Total Quantity per Month
1	1.1 Creation of registration for start of relationship	-	-	-	-	-
2	2.2.3 Provision of check sheets	5	10	15	-	-
3	2.3.1 Withdrawal	6	4	10	-	-
4	2.5.1 Provision of monthly statement	6	2	8	-	-
5	2.5.2 Provision of statement of a period	4	-	4	-	-
6	3.1 Transfer by means of DOC	2	-	2	-	-
	3.2 Transfer by means of TED
7	3.4 Transfer between accounts at the same institution	4	2	6	-	-

Total value of services considering their individual use (R$) Monthly value charged by the package (R$)

• Free services established by art. 2 of Resolution No. 3,919 of November 25, 2010.

Standardized Service Package IV (Table III annexed to Resolution No. 4,196 of 2013) Checking Account - Transaction with check and card

Item	Service	Individual Value (R$)	Monthly Quantity Included in Package	Total Value (R$)	Free Services per Month *	Total Quantity per Month
1	1.1 Creation of registration for start of relationship	-	-	-	-	-
2	2.2.3 Provision of check sheets	10	10	20	-	-
3	2.3.1 Withdrawal	8	4	12	-	-
4	2.5.1 Provision of monthly statement	6	2	8	-	-
5	2.5.2 Provision of statement of a period	4	-	4	-	-
6	3.1 Transfer by means of DOC	3	-	3	-	-
	3.2 Transfer by means of TED
7	3.4 Transfer between accounts at the same institution	6	2	8	-	-

Total value of services considering their individual use (R$) Monthly value charged by the package (R$)

• Free services established by art. 2 of Resolution No. 3,919 of November 25, 2010.

Art. 4 This Circular Letter enters into force on the date of its publication.

Sérgio Odilon dos Anjos

This text does not replace the published in the DOU of 4/23/2013, Section 1, p. 38/39, and in Sisbacen.