Circular OPASI 2-734: Savings Deposits, Salary Accounts, and Special Accounts. Adjustments.

"Año de la Reconstrucción de la Nación Argentina" COMUNICACIÓN “A” 8247 30/05/2025 TO FINANCIAL ENTITIES:
Ref.: Circular
OPASI 2-734:
Savings Deposits, Salary Accounts, and Special Accounts. Adjustments.
___________________________________________________________________________ We address you to inform you that this Institution has adopted the resolution that, in its pertinent part, establishes:

"- To order that the provision of debit cards to operate the sight accounts included in the consolidated text on Savings Deposits, Salary Accounts, and Special Accounts shall be optional at the request of their holders, regardless of the method used to open the account (in-person or via digital means). The option to request a debit card must be offered to holders –at all times– through all available electronic channels and in branches or service centers. When holders do not request the debit card, financial entities must provide other electronic payment means that enable the performance of the operations provided for in each type of account. Exempt from this treatment are the social security account, the special current account for legal entities, and the savings account for the payment of social aid plans or programs, with the provisions set forth in points 2.4., 3.4.13. and 3.5.5. of the consolidated text on Savings Deposits, Salary Accounts, and Special Accounts, respectively."

Regarding this matter, we provide you with the pages that, in replacement of those previously provided, must be incorporated into the consolidated text of the reference. In this sense, it is recalled that on this Institution's website www.bcra.gob.ar, by accessing "Financial System - LEGAL AND REGULATORY FRAMEWORK - Consolidations and summaries - Consolidated texts of general regulations", the modifications made with text highlighted in special characters (strikethrough and bold) will be found.

We salute you attentively.

CENTRAL BANK OF THE ARGENTINE REPUBLIC
Darío C. Stefanelli Marina Ongaro
Principal Manager of Issuance and Regulatory Applications Deputy General Manager of Financial Regulation

ANNEX

1.7. Withdrawal of funds.
1.7.1. Over the counter, under agreed conditions, using documents that meet the characteristics of a receipt.
Other alternative means such as magnetic cards or identification by personal key may be used, guaranteeing the genuineness of the operations, extending the pertinent record of the transaction.
1.7.2. Through ATMs and operations performed through terminals at points of sale.
The pertinent record will be issued with the essential data of the operation.
Entities must have implemented information security mechanisms that guarantee the genuineness of the operations.
1.7.3. Transfers –including electronic–, telephone orders, via Internet, etc.
The record in the periodic summary (point 1.12.) will serve as proof of the operation.
Entities must have implemented information security mechanisms that guarantee the genuineness of the operations.
1.7.4. Internal debits, automatic for the payment of taxes and services, commissions, and other concepts, under agreed conditions.
1.7.5. Movements –regardless of their nature– shall not generate a negative balance.
1.8. Services and movements without cost.
When it comes to a savings account in pesos, the following movements and services will be free of charge:

• Account opening and maintenance.
• Provision of 1 (one) optional debit card at the request of its holders, regardless of the method used to open the account (in-person or via digital means). The option to request a debit card must be offered to holders –at all times– through all available electronic channels and in branches or service centers.
  When holders do not request the debit card, other electronic payment means must be provided that enable the performance of the operations provided for in this account. Entities shall not charge fees or commissions for the replacement of debit cards that occur due to demagnetization and deterioration (in the latter case, up to one per year) and/or in compliance with the minimum security requirements established in the Consolidated Text on Minimum Requirements for the Management and Control of Technology and Information Security Risks.

B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 1. Savings Account.
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Likewise, the crediting of amounts corresponding to fiscal, promotional, commercial refunds, or from health benefits, as well as loans, is admitted. Credits in accounts whose opening was requested by ANSES shall not have restrictions to receive those transfers whose originator is ANSES itself.
2.3.2. Withdrawals of funds in the country, at the option of the worker, beneficiary, proxy, and/or legal representative, shall be carried out according to any of the following alternatives:
2.3.2.1. Through all ATMs enabled in the country by any financial entity, without amount limits (except those expressly agreed for security reasons and/or resulting from operational restrictions of the equipment) nor quantity of withdrawals, nor any distinction between clients and non-clients.
For the purpose of allowing the total withdrawal of the account balance via this channel, paying financial entities may provide, at no cost to the worker or beneficiary, the rounding up of the sum to be paid, advancing funds by up to $ 99.99 according to the availability of cash in ATMs, deducting from the next credited credit the amount effectively advanced.
2.3.2.2. Over the counter, according to the conditions provided in point 4.11.
2.3.2.3. Through purchases and/or cash withdrawals at affiliated merchants, made with the debit card.
2.3.2.4. Payment of taxes, services, and other concepts via electronic channels (ATM, Internet banking –home banking–, etc.) or via the automatic debit system, without limit on affiliations.
2.3.2.5. Transfers made through electronic means –e.g., ATM or Internet banking (home banking)–.
Movements –regardless of their nature– in these accounts shall not generate a negative balance.
2.4. Debit card.
2.4.1. Salary account.
The provisions set forth in point 1.8. regarding the delivery of debit cards shall apply, both for the holder and for the co-holder.
2.4.2. Social security account.
B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 2. Salary/Social Security Account.
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A magnetic card will be provided –free of charge– to the beneficiary and their proxy –if applicable–, its delivery to the beneficiary not being pertinent when a legal representative has been designated, in which case delivery shall proceed to the latter, allowing them to operate with ATMs and perform the other operations provided for in point 2.3.2. Replacements originating from the causes of demagnetization, deterioration (in the latter case, up to one per year) and/or compliance with the minimum security requirements established in the Consolidated Text on Minimum Requirements for the Management and Control of Technology and Information Security Risks shall not have a cost.
2.5. Account summary.
A semi-annual summary with the detail of movements recorded in the account will be issued, free of charge, and sent to the holder's address unless the holder expressly opts otherwise. The entity's ATM system shall provide –free of charge– a slip showing the balance and the last ten operations performed, and a copy of the settlement certificates of social security benefits credited to the account in the last two months, in cases where ANSES or another payment administrator entity requires it. Additionally, all ATMs enabled in the country by any financial entity must inform –through their respective screens– the date corresponding to the next payment of the social security benefit, when ANSES or another payment administrator entity provides that information. When credits corresponding to the concept "family allowances" are received, the legend with the denomination assigned by the paying agent, if any, must be recorded in the account summaries (or in the movement receipts issued through ATMs) of the respective beneficiaries. In the case of credits of social security benefits that integrate the SIPA, whose payments are administered by ANSES, of the concept "National Bicentennial Scholarship Program for Scientific and Technical Careers" –Decree No. 99/09– and of the "Homes with Gas Bottles Program (HOGAR)" –Decree No. 470/15–, the legends "ANSES SIPA", "BECA BICENT" and "ANSES HOGAR", respectively, must be recorded in the account summaries (or in the movement receipts issued through ATMs) of the respective beneficiaries.
2.6. Commissions.
In accordance with the laws mentioned in point 2.1., entities shall not charge fees or commissions for the opening of accounts, their maintenance, fund movements, and balance inquiries –even those verified through the use of ATMs from different entities and/or networks in the country–, provided that the use of the accounts complies with the conditions established in point 2.3. and up to the amount of credits derived from the employment relationship, social security benefits, and other concepts provided for in point 2.3.1., accumulating unwithdrawn amounts without time limit. B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 2. Salary/Social Security Account.
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In the event that, by agreement, credits other than those mentioned in point 2.3.1. coexist with balances from the employment relationship or social security benefit, withdrawals made shall first affect the amounts from that relationship.
2.7. Remuneration.
Entities may freely agree with the parties the payment of interest –with settlement and crediting according to the agreed periodicity (daily, weekly, monthly, etc.)– on the balances registered in the accounts, with settlement being agreed upon when balances exceed a certain amount.
2.8. Account closure.
2.8.1. Salary account.
The closure of accounts must be communicated by the employer or by the worker when the opening was processed by the employer. In the case where the opening was requested by the worker, the closure must be communicated exclusively by the latter. In both cases, the worker may use electronic communication mechanisms, as provided in point 4.17. It becomes effective after 180 calendar days have passed, counted from the date of the last credit of funds or the communication –whichever is later–, with the provisions of point 2.6. applicable during that period. In the case of additional services contracted under point 2.12., when the labor dismissal generates the loss of benefits and/or the charging of commissions associated with those services, this circumstance must be informed to the holder prior to the accrual of such concepts –in accordance with point 1.10.4.–. Notwithstanding the foregoing, when the depositing financial entity receives from the corresponding payment administrator entity credits for this concept destined to these accounts, their closure will operate according to the procedure established by said entity or, in its absence, when no such credits have been registered during a period of 730 calendar days.
2.8.2. Social security account.
When it comes to the payment of salaries or social security benefits that integrate the Argentine Integrated Pension System (SIPA) and/or provincial jurisdictions and/or the Autonomous City of Buenos Aires and non-contributory pensions, the closure of accounts will operate according to the procedure that the respective payment administrator entity agrees with the depositing financial entities. Notwithstanding the foregoing, depositing financial entities may proceed to the closure of these accounts if no credits of salaries or social security benefits have been registered for a period of 730 calendar days. In all cases, remaining funds existing after the closure will be transferred to immobilized balances, according to the procedure established as general for the treatment of such balances. B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 2. Salary/Social Security Account.
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Credits for collection of deposits and time deposits constituted by the court and/or other operations performed by it are also admitted.
3.6.4. Payments and other debits.
Payments to the designated beneficiary/beneficiaries in the respective rulings will be made via electronic transfer to accounts in their names when amounts exceed $ 30,000 and, preferably by that means, for sums equal to or lower than that amount destined to accounts opened in the name of the beneficiary/beneficiaries designated in the respective rulings, without prejudice to what is provided in point 3.6. regarding compliance with provisions issued by the public powers of the different jurisdictions. To this effect, each beneficiary must inform the court of the account identification data and their Uniform Banking Key (CBU) in which their credit will be considered cancelled at the moment of deposit. In the case of accounts in foreign currency, electronic payment means will be used, when these are implemented by the financial entity intervening in the operation. Judicial payment orders will be integrated, authorized, and sent to paying financial entities preferably electronically, through the system referred to in point 3.6.7., to the extent that courts do not use other mechanisms for such requests. In case there are several beneficiaries, as many transfers as beneficiary persons will be made, in the proportions indicated by the court. Debits for the constitution of deposits and time deposits and other destinations are also admitted, in accordance with current legal provisions or as ordered by the court. Movements in these accounts –regardless of their nature– shall not generate a negative balance. When judicial payment beneficiaries do not have a sight account, the depositing financial entities of the judicial accounts must offer them the opening of a savings account free of charge, for at least one year –unless it concerns periodic payments, in which case that condition of gratuity must be maintained–, provided it is used exclusively to receive the transfer from the court and to withdraw these funds as provided in Section 1. To this end, they must optimize processes to effect the opening of that savings account in the shortest possible time, with the provisions of point 1.8. regarding the delivery of debit cards being applicable. B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 3. Special Accounts.
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The holder of the account will be the person indicated first.
The acceptance of the authorization granted to the minor must be exercised through their legal representative, by themselves or through a proxy. The account cannot have more than one authorized minor.
3.7.2. Currency.
Pesos.
3.7.3. Debits ordered by the minor.
The authorized minor may only perform debits for the following concepts:
3.7.3.1. Cash withdrawals (through ATMs, at points of sale, or over the counter).
3.7.3.2. Purchases at merchants.
3.7.3.3. Transfers and payments through electronic means –such as ATMs or Internet banking (home banking)–.
3.7.3.4. Subscription of shares in Open Common Investment Funds of "Money Market" destined to adolescent minors, in accordance with Resolution No. 977/23 of the National Securities Commission.
3.7.4. Services and movements without cost.
The services and movements established in point 1.8. will be free of charge.
3.7.5. Conversion of the account.
When the minor reaches the age of majority –18 completed years–, the financial entity may convert the savings account for minors into a savings account as provided in Section 1., in the name of the former holder or alternatively exclusively in the name of the then minor or in the name of both, according to the request made for this purpose by the former holder.
3.7.6. Responsibilities arising from the savings account contract destined for authorized minors.
The holder of the account will be responsible to the financial entity for all obligations arising from the respective savings account contract for minors during the operation of the account.
3.7.7. Debit card.
The provisions set forth in point 1.8. regarding the delivery of debit cards shall apply, both for the holder and for the authorized minor.
3.7.8. Insofar as not provided for and to the extent that they do not oppose what is detailed in the preceding points, the provisions established for savings deposits are applicable.
B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 3. Special Accounts.
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3.9. Sight accounts for purchases at merchants.
3.9.1. Opening and identification.
Financial entities may open these accounts at the request of natural persons capable of contracting or to freely dispose of the proceeds of their lawful work or legal entities –including entities and/or payment administrator organizations–. In the latter case, the opening will be made in the name of the holders reported by the legal entity and –if applicable– to the order of a proxy or legal representative (tutor, curator, etc.), reporting: full surname(s) and name(s), national identification document, and email address –to the extent that this data is available– of the holder and the proxy or legal representative, if any. Minors may be authorized to operate these accounts by their legal representatives, adjusted to what is provided in points 3.7.1. and 3.7.6. The authorization granted will cease automatically when the authorized minor reaches the age of majority. When it comes to the opening request by natural persons, what is provided for "Savings Account" in points 1.3. and 1.4. shall apply.
3.9.2. Deposits.
The crediting of funds –in pesos– for any concept is admitted, through the following modalities:
3.9.2.1. In cash over the counter and/or ATMs.
3.9.2.2. Electronic transfers.
3.9.3. Withdrawal of funds.
They may only be made through the realization of purchases at authorized merchants.
Cash withdrawal from these accounts is not admitted.
Movements –regardless of their nature– shall not generate a negative balance.
3.9.4. Debit card.
The provisions set forth in point 1.8. regarding the delivery of debit cards shall apply, both for the account holder, their proxy or legal representative, and the authorized minor –if applicable–, its delivery to the holder not being pertinent when a legal representative has been designated, in which case delivery shall proceed to the latter. B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 3. Special Accounts.
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3.9.5. Account summary.
Entities must send monthly to the email address of the holder and/or the proxy or legal representative, as applicable and to the extent that this data has been provided, a summary with the detail of debits and credits and the balances recorded in the period covered. Likewise, the ATM system of the bank issuing the debit card must provide for the provision of a slip showing the balance and the last ten operations performed. This is without prejudice to the fact that the holder and/or proxy or legal representative, as applicable, may personally request the account summary at the corresponding branch where the account is registered.
3.9.6. Commissions.
Entities shall not charge fees or commissions for the opening of these accounts, their maintenance, fund movements, and balance inquiries –even those verified through the use of ATMs from different entities and/or networks in the country–.
3.9.7. Account closure.
When the opening was requested by entities and/or payment administrator organizations, the closure of accounts will operate according to the procedure provided in point 3.5.7. for the "Savings account for the payment of social aid plans or programs". In the remaining cases, what is provided in point 4.17. shall apply. In both cases, the prohibition of withdrawing cash deposited in these accounts remains in force, and this must be consumed by the holder prior to the closure of the account, and any remaining balance will remain in immobilized balances until the holder requests its transfer to another "Sight account for purchases at merchants" opened in their name.
3.9.8. Notification of regulations.
Financial entities must inform holders, proxies, or legal representatives –as applicable– of the operating conditions provided in points 3.9.2. to 3.9.7. at the time of delivery of the debit card. Likewise, the text of points 1.13. or 3.5.7. –depending on whether it concerns natural persons or payment administrator entities, respectively– must be included. B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS, AND SPECIAL ACCOUNTS
Section 3. Special Accounts.
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3.10.4.3. By payments made through electronic channels (ATM, Internet banking –home banking–, etc.).
3.10.4.4. By making transfers, over the counter or through electronic means –e.g., ATM or Internet banking (home banking)–.
3.10.5. Services and transactions without cost.
The provisions set forth in point 1.8 shall apply.
3.10.6. Other admitted operations.
3.10.6.1. Debits for the establishment of non-transferable fixed-term deposits in pesos or in Value Acquisition Units adjustable by “CER” - Law 25.827 (“UVA”) or in Housing Units adjustable by “ICC” - Law 27.271 (“UVI”), in accordance with the provisions set forth in the TO on Fixed-Term Deposits and Investments.
3.10.6.2. Credits for the collection of fixed-term deposits established by the holder –as provided in point 3.10.6.1.–, the limit set forth in point 3.10.3. not being applicable in these cases.
3.10.6.3. Debits to carry out any type of operations permitted by the National Securities Commission for minors who are adolescents.
3.10.6.4. Credits associated with the collection of the operations provided for in point 3.10.6.3., the limit set forth in point 3.10.3. not being applicable in these cases.
3.10.7. Closure.
In the event that the minor –or the person exercising their legal representation– orders the closure of this account, the remaining balance shall be made available to them or transferred to an account in their name.
3.10.8. Conversion of the account.
At the request of the person exercising legal representation of the minor, the financial entity must convert this account into a savings account for minors authorized as provided for in point 3.7. When the minor adolescent reaches the age of majority (18 completed years), the financial entity must immediately convert this account into a savings account in accordance with the provisions of Section 1.
3.10.9. As far as not provided for and to the extent that they do not oppose what is detailed in the preceding points, the provisions established for savings deposits shall apply.
B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS AND SPECIAL ACCOUNTS
Section 3. Special.
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3.11.5.4. Payment of taxes, services and other concepts through electronic channels (ATM, Internet banking –home banking–, etc.) or through the automatic debit system, without limit on affiliations.
3.11.5.5. Transfers made through electronic means –e.g., ATM or Internet banking (home banking)–.
Transactions –regardless of their nature– shall not generate a negative balance.
3.11.6. Commissions and charges.
Entities shall not charge fees or commissions for the opening of accounts, their maintenance, fund movements and balance inquiries –including operations carried out through ATMs and self-service terminals in the financial entity’s operational houses–, provided that the use of the accounts complies with the conditions established in points 3.11.4. and 3.11.5. Additionally, up to 8 (eight) operations performed –per calendar month– at ATMs of other entities and/or networks in the country shall be free of charge, except where they are ATMs in the country not operated by financial entities, in which case the provisions set forth in point 4.14 shall apply.
3.11.7. Debit card.
The provisions set forth in point 1.8 regarding the delivery of debit cards shall apply.
3.11.8. Remuneration.
The balances of these accounts shall be remunerated at the interest rate agreed upon.
Interest shall be settled for expired monthly periods and credited to the account on the dates agreed upon.
Other forms of remuneration in addition to the interest rate or in its place may be agreed upon, aspects that must be clearly and legibly specified in the contract. B.C.R.A. SAVINGS DEPOSITS, SALARY ACCOUNTS AND SPECIAL ACCOUNTS
Section 3. Special.
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ORDERED NORM OF ORIGIN OBSERVATIONS Sec. Point Para. Com. Annex Chap. Sec. Point Para.
1.
1.1.1. “A” 1199
“A” 1820 I
I 2.
2.1.
S/Com. “A” 1823, 2192, 2241 and
4368.
1.1.2. “A” 1199
“A” 1823
I 2.
2.1.
1.1.3. “A” 1199
“A” 1823
I 2.
2.1.
1.1.4. “A” 1199
“A” 1823
I 2.
2.1.
1.2. “A” 1653
“A” 1820 I
I 2.1.3.1.
2.2.
S/Com. “A” 2061, 3247, 4358 and
5035.
1.3. “A” 3042 1. 1.3.1. S/Com. “A” 3247, 5928, 6050,
6709 and 8181.
1.4. “A” 1199 I 5.7. S/Com. “A” 2814, 4809, 5387,
5728, 5928 and 8027.
1.5.1. “A” 1199 I 2.
1.5.2. “A” 1820 I 2.3.
1.5.3. “A” 1820 I 2.3. S/Com. “A” 6878 (includes interpretative clarification).
1.5.4. “A” 7796
1.5.5. “A” 1820 I 2.3.
1.6. “A” 3042 S/Com. “A” 3247, 4936, 4971 and
5000.
1.7.1. 1° “A” 1653 I 2.1.3.2.3. 1°
“A” 1820 I 2.5. 2°
2° “A” 3042
1.7.2. 1° “A” 1653 I 2.1.3.2.3. 2°
2° “A” 1653 I 2.1.3.2.3. 2°
3° “A” 3042
1.7.3. 1° “A” 1653 I 2.1.3.3. S/Com. “A” 2061.
2° “A” 3042
3° “A” 3042
1.7.4. “A” 1653 I 2.1.3.2.2.
1.7.5. “A” 3042
1.8. “A” 5928 6. S/Com. “A” 7343 and 8247.
1.9.1. 1° “A” 1653 I 2.1.1.1.
“A” 1820 I 2.4.
2° “A” 1653 I 2.1.1.1. S/Com. “A” 7246.
“A” 1820 I 2.4.
3° “A” 3042
1.9.2. “A” 2468 1. 2°
1.10. “A” 2468 1. 1°
1.10.1. “A” 1653 I 2.1.3.2.2.
3.3.
1.10.2. 1° “A” 2508 Único 1° S/Com. “A” 3323.
2° “A” 2621 1. 1°
3° “A” 2508 Único 5°
B.C.R.A. ORIGIN OF THE PROVISIONS CONTAINED IN THE ORDERED TEXT ON SAVINGS DEPOSITS, SALARY ACCOUNTS AND SPECIAL ACCOUNTS

SAVINGS DEPOSITS, SALARY ACCOUNTS AND SPECIAL ACCOUNTS ORDERED TEXT NORM OF ORIGIN OBSERVATIONS Sec. Point Para. Com. Annex Chap. Sec. Point Para. 1. 4° “A” 3042
1.10.3. “A” 2468 1. 1° S/Com. “A” 5461, 5482 and
6462.
1.10.4. 1° “A” 2468 1. 4° S/Com. “A” 5482.
2° “A” 2468 1. 5° S/Com. “A” 5482.
1.10.5. “A” 6664 3.
1.11. 1° “A” 2621 3. S/Com. “A” 6909
2° “A” 2508 Único 3°
1.12. 1° “A” 3042 S/Com. “A” 4809, 4971 and
5022.
2° “A” 3042 S/Com. “A” 3323, 4809, 5000 and 5022.
Last “A” 3042
1.12.1. “A” 2621 2.
1.12.2. “A” 3014 3. 3.7.1.6. S/Com. “A” 4022, 5161 and
7192.
1.13.1. “A” 3042 S/Com. “A” 6042 and 6448.
1.13.2. “A” 3042 S/Com. “A” 4809 and 6462.
1.13.2.1. “A” 1199 I 5.2.2. 1° 2°
“A” 1653 I 2.1.3.4.
1.13.2.2. “A” 1199 I 5.2.2. 3° S/Com. “A” 4809 and 5482.
1.14. “A” 1199 I 6.3. S/Com. “A” 2807 and 6462.
“A” 1820 I 2.6.
1.15. “A” 2530
1.16. “A” 1653 I 2.1.3.5.
2.
2.1. “A” 2590 I 4.4.1.
S/Com. “A” 5091, 5231,
6042, 7020 and “C” 87711
(interpretative clarification).
2.2. Last “A” 5091 S/Com. “A” 5231 and 5284.
2.2.1.
1° “A” 2590 I 4.4.2. S/Com. “A” 5091 and 5231.
2° “A” 6042 S/Com. “A” 8131.
3° “A” 2956 S/Com. “A” 5091 and 5231.
2.2.2. “A” 5231 S/Com. “A” 5284.
2.3. “A” 2590 I 4.4.3. S/Com. “A” 5091 and 5231. “A” 2596
2.3.1. “A” 2590 S/Com. “A” 4047, 5091, 5511
and 6610.
2.3.2. “A” 2590 S/Com. “A” 5091, 5231 and
5284.
2.3.2.1. “A” 2590 S/Com. “A” 5091, 5231 and
6364.
2.3.2.2. “A” 2590 S/Com. “A” 5091, 5231,
5284, 5482 and 6462.
2.3.2.3. “A” 2590 S/Com. “A” 5091, 5231 and
5960.
2.3.2.4. “A” 2590 S/Com. “A” 5091 and 5231.
2.3.2.5. “A” 5231
2.4. “A” 2590 I 4.4.4. S/Com. “A” 5091, 5231,
5284, 5461 and 8247.
2.5. “A” 2590 I 4.4.5.
S/Com. “A” 5091, 5161,
5231, 5416, 5459, 5804 and
6610.

SAVINGS DEPOSITS, SALARY ACCOUNTS AND SPECIAL ACCOUNTS ORDERED TEXT NORM OF ORIGIN OBSERVATIONS Sec. Point Para. Com. Annex Chap. Sec. Point Para. 3.
3.2.5. “A” 1247 4.3.5.
3.2.6. “A” 1247 4.3.6.
3.2.7. “A” 1247 4.3.7.
3.2.8. “A” 1247 4.3.8.
3.3. “A” 1199 I 4.1.
3.4. “A” 3250 1.
3.4.1. “A” 3250 1.
3.4.2. “A” 3250 1. S/Com. “A” 6273 and 6381.
3.4.3. “A” 3250 1.
3.4.4. “A” 3250 1. S/Com. “A” 6878 and 7796.
Includes interpretative clarification.
3.4.5. “A” 3250 1. S/Com. “A” 4936, 4971 and 5000.
3.4.6. “A” 3250 1.
3.4.7. “A” 3250 1. S/Com. “A” 5068, 6148 and 7969.
3.4.8. “A” 3250 1. S/Com. “A” 5461 and 5482.
3.4.9. “A” 3250 1. S/Com. “A” 6909.
3.4.10. “A” 3250 1. S/Com. “A” 3014, 3323, 4809 and
7192.
3.4.11. “A” 3250 1. S/Com. “A” 6448.
3.4.12. “A” 3250 1. S/Com. “A” 6462.
3.4.13. “A” 3250 1.
3.4.14. “A” 3250 1.
3.5. “A” 5007 S/Com. “A” 5161, 5204, 5231,
5284, 5450 and 5461.
3.5.1. “A” 5007 S/Com. “A” 5231, 5284, 5450,
6330 and 7020.
3.5.2. “A” 5007 S/Com. “A” 5231, 5450 and 6330.
3.5.3. “A” 5007 S/Com. “A” 5231, 5450, 5960 and
6610.
3.5.4. “A” 5007 S/Com. “A” 5231, 5450, 5459,
5482, 5960 and 6462.
3.5.5. “A” 5007
3.5.6. “A” 5007 S/Com. “A” 5804 and 6610.
3.5.7. “A” 5007 S/Com. “A” 5804, 6330 and 6448.
3.5.8. “A” 5007
3.5.9. “A” 5007
3.5.10. “A” 5960 2.
3.6. “A” 5147
3.6.1. “A” 5147
3.6.2. “A” 5147 S/Com. “A” 6878 (includes interpretative clarification).
3.6.3. “A” 5147 S/Com. “A” 5212.
3.6.4. “A” 5147 S/Com. “A” 5212, 5461 and 8247.
3.6.5. “A” 5147
3.6.6. “A” 5147
3.6.7. “A” 5147
3.6.8. “A” 5147 S/Com. “A” 6448.
3.6.9. “A” 5147
3.6.10. “A” 5147

SAVINGS DEPOSITS, SALARY ACCOUNTS AND SPECIAL ACCOUNTS ORDERED TEXT NORM OF ORIGIN OBSERVATIONS Sec. Point Para. Com. Annex Chap. Sec. Point Para. 3.
3.7. “A” 6103
3.7.1. “A” 6103
3.7.2. “A” 6103
3.7.3. “A” 6103 S/Com. “A” 7849.
3.7.4. “A” 6103
3.7.5. “A” 6103
3.7.6. “A” 6103
3.7.7. “A” 6103 S/Com. “A” 8247.
3.7.8. “A” 6103
3.8.1. “A” 6165
3.8.2. “A” 6165 S/Com. “A” 8131.
3.8.3. “A” 6165 S/Com. “A” 6273.
3.8.4. “A” 6165 S/Com. “A” 8131.
3.8.5. “A” 6165
3.8.6. “A” 6165 S/Com. “A” 6878 (includes normative clarification).
3.8.7. “A” 6165
3.8.8. “A” 6165
3.8.9. “A” 6165
3.8.10. “A” 6165
3.8.11. “A” 6165
3.8.12. “A” 6165
3.8.13. “A” 6165 S/Com. “A” 6448.
3.9.1. “A” 6265
3.9.2. “A” 6265
3.9.3. “A” 6265
3.9.4. “A” 6265 S/Com. “A” 8247.
3.9.5. “A” 6265
3.9.6. “A” 6265
3.9.7. “A” 6265 S/Com. “A” 6448.
3.9.8. “A” 6265
3.9.9. “A” 6265
3.9.10. “A” 6265
3.10.1. “A” 6700
3.10.2. “A” 6700 S/Com. “A” 8181.
3.10.3. “A” 6700 S/Com. “A” 7969 and 8181.
3.10.4. “A” 6700
3.10.5. “A” 6700 S/Com. “A” 8247.
3.10.6. “A” 6700 S/Com. “A” 7849 and 8181.
3.10.7. “A” 6700
3.10.8. “A” 6700
3.10.9. “A” 6700
3.11. “A” 6876 S/Com. “A” 8181 and 8247.
3.12. “A” 7556 2. S/Com. “A” 7595, 7603, 7650,
7743, 7746, 7770, 7813, 7837,
7854, 7873, 7874, 7898, 7908,
8131, “B” 12431, 12511, 12512 and
“C” 93472.