Circular RUNOR 1-1882: Transparency Information Regime - Chapter I

"Year of the Reconstruction of the Argentine Nation" COMMUNICATION "A" 8188 28/01/2025 TO FINANCIAL ENTITIES, TO COOPERATIVE CREDIT UNIONS (LAW 26.173), TO NON-FINANCIAL COMPANIES ISSUING CREDIT CARDS, TO NON-FINANCIAL COMPANIES ISSUING PURCHASE CARDS, TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS:
Ref.: Circular
RUNOR 1-1882:
Transparency Information Regime - Chapter I. ___________________________________________________________________________ We address you to deliver the sheets that, in replacement of those previously provided, must replace Chapter I of Section 36 of Presentation of Information to the Central Bank, pursuant to the provisions disseminated through Communication A 6683. In this regard, the incorporated changes are detailed:

• Expansion of the amount field for maximum/minimum amount granted and/or to invest, minimum monthly income requested, annual effective rate, and total effective financial cost of the different products.
• Select "Does not operate" in the case of not marketing any of the products.
  We greet you sincerely.
  CENTRAL BANK OF THE ARGENTINE REPUBLIC Gustavo Bricchi Estela M. del Pino Manager of Information Management General Manager of Information Regime and Protection of Financial Services Users
  ANNEX

36.1.1.2. This regime must be reported by novelty, except for the data corresponding to fixed-term deposits indicated in Section 2, item e, i) of the procedural rules, which will be reported with a minimum monthly frequency and due on the last business day of each month.
Subsequent modifications of the required data must be entered at the moment they occur, sending only the file of the product that registered the novelty, in accordance with the designs provided in point 36.1.4. In the case of not having data to report for any of the products, not marketing it, or subsequently canceling it, the product to be reported must be selected and then choose the "NO" option in Operates (without selecting any file) when sending the information.
36.1.1.3. To send the files, you must click on the Browse button and a window will appear in which the file or files will be located on your computer. Once selected, you must press enter and then send the information by pressing the "Send file" button.
36.1.1.4. The flat files that will be sent with the requested information will be of variable length, in accordance with the corresponding record design and taking into account the following specifications:
i. The symbol ";" (semicolon) will be used as a field separator.
ii. The ANSI – 1252 character encoding must be respected.
iii. To separate each record, the hexadecimal characters representing a <CR> "Carriage Return" and a <LF> "Line Feed" must be entered.
iv. The last field of each record MUST NOT contain the symbol ";" at the end.
That is, the number of ";" per record is equal to the number of expected fields minus 1, for example, for the file "PFIJO.TXT" 9 fields are expected per record, therefore, there will be 8 ";".
v. Character/description fields must be generated in uppercase characters without accents, and must not contain tab characters or quotes. The newline character (Enter) used as a record separator and the semicolon character (;) representing the field limiter must also not be used in these fields.
vi. It is not necessary to complete the field until the maximum expected length is filled when it is not necessary. Numeric fields must not be padded with leading zeros as it will not be taken into account, nor alphanumeric fields with blank characters.
vii. Numeric fields must not be empty, nor with blank spaces; in the case that it is not a requirement or none of the concepts are charged, 0 must be reported.
viii. If there were no data to report in a text field (value "NULL" or absence of value), the field separators (";") must be completed successively without a blank space in between.
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Version: 6th COMMUNICATION "A" 8188 Validity:
29/01/2025 Page 2

36.1.2. Particular instructions applicable to all designs.
36.1.2.1. One record will be saved for each combination of product, beneficiary, destination, in the case of the loan, or segment, in the case of cards or product packages, and province in which the entity is offering that product or in which the offer is valid, at the time of entry.
For example: in the case that a product has several beneficiaries and/or loan destinations and/or provinces, as many records must be entered as there are valid combinations of any of the options that can be multiple. If the entity offers a mortgage loan with different conditions for two beneficiaries (public employees and/or clients with accounts in the entity) suitable for different destinations (e.g. primary home and construction) in 3 different provinces (Autonomous City of Buenos Aires, Salta and Jujuy) 12 records must be integrated (2 beneficiaries X 2 destinations X 3 provinces). In the case where for the same product or service offered there is a different price or rate depending on the geographic territory where it is offered, the higher cost or rate or the maximum amount charged must be reported in each segment or split it into 2 or more products, one for each territory. It will be at the discretion of each entity the level of diversification it wishes to report, being able to report the minimum required by the regime (a single product).
36.1.2.2. The maximum annual effective rate cannot be greater than the value reported for the maximum total effective financial cost.
36.1.2.3. As they are percentages, they will be reported separating the integers from the decimals with the symbol ",". In this way, for example, the maximum value to be reported in those fields is a number of 5 significant positions for the integer value, then the symbol "," is integrated, and then two values that represent the decimal positions. Format "EEEEE,DD" (where E significant integer and D decimal after the ","). The character "," occupies one space.
36.1.2.4. In Loans, the "Initial installment at maximum term" reported must include the maximum total effective financial cost, i.e., complete installment. In those products that have maximum commissions, the monthly or annual cost will be reported, as appropriate, with taxes included, indicating the tariff price, without bonuses, promotions or discounts. In all cases, the data will be reported with taxes included, whether VAT or the tax corresponding to the zone where it is being offered.
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Version: 7th COMMUNICATION "A" 8188 Validity:
29/01/2025 Page 3

36.1.4.1. File "HIPOTECA.TXT".
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Mortgage Credits
(file HIPOTECA.TXT)
Sheet 1 of 4
No
Field
Name Type Maximum
Length
Observations
1 Full name of the mortgage loan Character 128 General instructions, Chapter I, Section 1. of the P.R. 2 Short name of the mortgage loan Character 25 General instructions, Chapter I, Section 1. of the P.R. 3 Denomination Numeric 1 1. Pesos;
2. United States dollars;
3. UVA;
4. UVI.
4 Maximum amount granted
Numeric 15 Expressed in the currency of the loan. In the case of UVA and UVI it will be expressed in pesos at the value corresponding to the date of submission of the information. 5 Maximum term granted Numeric 3 Expressed in months. Access conditions 6 Minimum monthly income requested Numeric 15 In case it is not a requirement, it will be reported 0. 7 Minimum work seniority (months) Numeric 2 In case it is not a requirement, it will be reported 0. 8 Maximum age requested Numeric 3 In case it is not a requirement, it will be reported 100. Version: 4th COMMUNICATION "A" 8188 Validity:
29/01/2025 Page 5

B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Mortgage Credits
(file HIPOTECA.TXT)
Sheet 2 of 4
No
Field
Name Type Maximum
Length
Observations
9 Installment/income ratio (%) Numeric 5 (2,2) Point 36.1.2.3. 10 Amount/appraisal ratio (%) Numeric 5 (2,2) Point 36.1.2.3. 11 Destination of funds Numeric 1 Point 36.1.2.1.

1. Own, single and permanent home;
2. Additional home or 2nd home;
3. Construction;
4. Renovation or improvement;
5. Acquisition of land;
6. Change of home;
7. Financing of other destinations
   on primary home.
   12 Beneficiaries Numeric 1 Point 36.1.2.1.
8. All beneficiaries;
9. Natural persons in employment relationship;
10. Natural persons Monotributists;
11. Natural persons Registered Taxpayers;
12. Public employees;
13. Clients with an account in the entity;
14. Clients who prove salaries
    in the entity.
    13 Maximum charge for early cancellation Numeric 5 (2,2) General instructions, Chapter I, Section 1. of the P.R. Point 36.1.2.5. In case it is not charged, it will be reported 0. 14 Maximum annual effective rate Numeric 8 (5,2) Points 36.1.2.2. and 36.1.2.3. Version: 4th COMMUNICATION "A" 8188 Validity:
    29/01/2025 Page 6

B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Mortgage Credits
(file HIPOTECA.TXT)
Sheet 3 of 4
No
Field
Name Type Maximum
Length
Observations
15 Type of rate Numeric 1 1. Fixed;
2. Variable;
3. Mixed.
16 Maximum total effective financial cost Numeric 8 (5,2) Points 36.1.2.2. and 36.1.2.3. 17 Initial installment at maximum term per $ 1,000,000 Numeric 15 Point 36.1.2.4. 18 Territory of validity of the offer Numeric 2 Point 36.1.2.1.
0. Entire national territory;

1. Autonomous City of Buenos
   Aires;
2. Buenos Aires Province;
3. Catamarca Province;
4. Córdoba Province;
5. Corrientes Province;
6. Chaco Province;
7. Chubut Province;
8. Entre Ríos Province;
9. Formosa Province;
10. Jujuy Province;
11. La Pampa Province;
12. La Rioja Province;
13. Mendoza Province;
14. Misiones Province;
15. Neuquén Province;
16. Río Negro Province;
17. Salta Province;
18. San Juan Province;
19. San Luis Province;
20. Santa Cruz Province;
21. Santa Fe Province;
22. Santiago del Estero Province;
23. Tierra del Fuego Province;
    Antarctica and South Atlantic Islands;
24. Tucumán Province.
    Version: 4th COMMUNICATION "A" 8188 Validity:
    29/01/2025 Page 7

36.1.4.2. File "PERSONALES.TXT".
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Personal Loans
(file PERSONALES.TXT)
Sheet 1 of 3
No
Field
Name Type Maximum
Length
Observations
1 Full name of the personal loan Character 128 General instructions, Chapter I, Section 1. of the P.R. 2 Short name of the personal loan Character 25 General instructions, Chapter I, Section 1. of the P.R. 3 Denomination Numeric 1 1. Pesos;
2. United States dollars;
3. UVA.
4 Maximum amount granted
Numeric 15 Expressed in the currency of the loan. In the case of UVA it will be expressed in pesos at the value corresponding to the date of submission of the information. 5 Minimum amount granted Numeric 15 Expressed in the currency of the loan. Minimum acceptable value = 1 6 Maximum term granted Numeric 3 Expressed in months. Access conditions 7 Minimum monthly income requested Numeric 15 In case it is not a requirement, it will be reported 0. 8 Minimum work seniority (months) Numeric 2 In case it is not a requirement, it will be reported 0. 9 Maximum age requested Numeric 3 In case it is not a requirement, it will be reported 100. 10 Installment/income ratio (%) Numeric 5 (2,2) Point 36.1.2.3. 11 Beneficiary Numeric 1 Point 36.1.2.1.
0. All beneficiaries;

1. Natural persons in employment relationship;
2. Natural persons Monotributists;
   Version: 4th COMMUNICATION "A" 8188 Validity:
   29/01/2025 Page 9

B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Personal Loans
(file PERSONALES.TXT)
Sheet 2 of 3
No
Field
Name Type Maximum
Length
Observations
12 Maximum charge for early cancellation Numeric 5 (2,2)
3. Natural persons Registered Taxpayers;
4. Public employees;
5. Clients with an account in the entity;
6. Clients who prove salaries
in the entity;
7. Beneficiaries of social security
accounts.
General instructions, Chapter I, Section 1. of the P.R. Point 36.1.2.5. In case it is not charged, it will be reported 0. 13 Maximum annual effective rate Numeric 8 (5,2) Points 36.1.2.2. and 36.1.2.3. 14 Type of rate Numeric 1 Select the corresponding code

1. Fixed;
2. Variable;
3. Mixed.
   15 Maximum total effective financial cost Numeric 8 (5,2) Points 36.1.2.2. and 36.1.2.3. 16 Initial installment at maximum term per $ 1,000,000 Numeric 15 Point 36.1.2.4. 17 Territory of validity of the offer Numeric 2 Point 36.1.2.1.
4. Entire national territory;
5. Autonomous City of Buenos Aires;
6. Buenos Aires Province;
7. Catamarca Province;
8. Córdoba Province;
9. Corrientes Province;
10. Chaco Province;
11. Chubut Province;
    Version: 4th COMMUNICATION "A" 8188 Validity:
    29/01/2025 Page 10

36.1.4.3. File "PRENDARIOS.TXT".
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Pledge Loans
(file PRENDARIOS.TXT)
Sheet 1 of 3
No
Field
Name Type Maximum
Length
Observations
1 Full name of the pledge loan Character 128 General instructions, Chapter I, Section 1. of the P.R. 2 Short name of the pledge loan Character 25 General instructions, Chapter I, Section 1. of the P.R. 3 Denomination Numeric 1 1. Pesos;
2. United States dollars;
3. UVA.
4 Maximum amount granted
Numeric 15 Expressed in loan currency. In the case of UVA it will be expressed in pesos at the value corresponding to the date of submission of the information. 5 Minimum amount granted Numeric 15 Expressed in loan currency. Minimum acceptable value = 1. 6 Maximum term granted Numeric 3 Expressed in months. Access conditions 7 Minimum monthly income requested Numeric 15 In case it is not a requirement, it will be reported 0. 8 Minimum work seniority (months) Numeric 2 In case it is not a requirement, it will be reported 0. 9 Maximum age requested Numeric 3 In case it is not a requirement, it will be reported 100. 10 Installment/income ratio (%) Numeric 5 (2,2) Point 36.1.2.3. 11 Amount/appraisal ratio (%) Numeric 5 (2,2) Point 36.1.2.3. Version: 4th COMMUNICATION "A" 8188 Validity:
29/01/2025 Page 12

B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Pledge Loans
(file PRENDARIOS.TXT) Sheet 2 of 3 No Field Name Type Maximum Length Observations 12 Destination of funds Numeric 1 Point 36.1.2.1.

1. Acquisition of 0 km vehicles;
2. Acquisition of vehicles
   (marks with agreements with the entity);
3. Acquisition of motorcycles;
4. Acquisition for working capital;
5. Acquisition of used vehicles.
   13 Beneficiary Numeric 1 Point 36.1.2.1.
6. All beneficiaries;
7. Natural persons in employment relationship;
8. Natural persons Monotributists;
9. Natural persons Registered Taxpayers;
10. Public employees;
11. Clients with an account in the entity;
12. Clients who prove salaries
    in the entity;
13. Beneficiaries of social security
    accounts;
14. Legal entities;
15. SMEs.
    14 Maximum charge for early cancellation Numeric 5 (2,2) General instructions, Chapter I, Section 1. of the P.R. Point 36.1.2.5. In case it is not charged, it will be reported 0. 15 Maximum annual effective rate Numeric 8 (5,2) Points 36.1.2.2. and 36.1.2.3. 16 Type of rate Numeric 1 1. Fixed;
16. Variable;
17. Mixed.
    17 Maximum total effective financial cost Numeric 8 (5,2) Points 36.1.2.2. and 36.1.2.3 Version: 4th COMMUNICATION "A" 8188 Validity:
    29/01/2025 Page 13

B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Pledge Loans
(file PRENDARIOS.TXT) Sheet 3 of 3 No Field Name Type Maximum Length Observations 18 19 Initial installment at maximum term per $ 1,000,000 Territory of validity of the offer Numeric Numeric 15 2 Point 36.1.2.4. Point 36.1.2.1.
0. Entire national territory;

1. Autonomous City of Buenos Aires;
2. Buenos Aires Province;
3. Catamarca Province;
4. Córdoba Province;
5. Corrientes Province;
6. Chaco Province;
7. Chubut Province;
8. Entre Ríos Province;
9. Formosa Province;
10. Jujuy Province;
11. La Pampa Province;
12. La Rioja Province;
13. Mendoza Province;
14. Misiones Province;
15. Neuquén Province;
16. Río Negro Province;
17. Salta Province;
18. San Juan Province;
19. San Luis Province;
20. Santa Cruz Province;
21. Santa Fe Province;
22. Santiago del
    Estero Province;
23. Tierra del Fuego Province, Antarctica and South Atlantic
    Islands;
24. Tucumán Province.
    20 More Information Character 1024 General instructions, Chapter I, Section 1. of the P.R. Item Additional information. Point 36.1.2.6. P.R.: Procedural Rules of the ordered text of the Transparency Information Regime. Version: 4th COMMUNICATION "A" 8188 Validity:
    29/01/2025 Page 14

36.1.4.4. File "PFIJO.TXT".
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Fixed Term (file PFIJO.TXT) Sheet 1 of 2 No Field Name Type Maximum Length Observations 1 Full name of the fixed term Character 128 General instructions, Chapter I, Section 1. of the P.R. 2 Short name of the fixed term Character 25 General instructions, Chapter I, Section 1. of the P.R. 3 Denomination Numeric 1 1. Pesos;
2. United States dollars;
3. Euros;
4. UVA;
5. UVI;
6. Other.
4 Minimum amount to invest
Numeric 15 Expressed in the currency of the fixed term. Minimum acceptable value = 1. 5 Minimum term to invest Numeric 1 0. All terms;

1. 30 days;
2. 60 days;
3. 90 days;
4. 180 days;
5. 360 days or more.
   6 Constitution channel Numeric 1 0. All channels;
6. Home banking;
7. ATM;
8. Self-service terminal;
9. Telephone line;
10. Branch counter;
11. Electronic.
    7 Minimum annual effective rate Numeric 8 (5,2) Point 36.1.2.3. 8 Territory of validity of the offer Numeric 2 Point 36.1.2.1.
12. Entire national territory;
13. Autonomous City of Buenos Aires;
14. Buenos Aires Province;
    Version: 3rd COMMUNICATION "A" 8188 Validity:
    29/01/2025 Page 15

36.1.4.5. File "PAQUETE.TXT".
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Product Package
(file PAQUETE.TXT)
Sheet 1 of 3
No
Field
Name Type Maximum
Length
Observations
1 Full name of the product package Character 128 General instructions, Chapter I, Section 1. of the P.R. 2 Short name of the product package Character 25 General instructions, Chapter I, Section 1. of the P.R. 3 Maximum commission for package maintenance service Numeric 9 (6,2) General instructions, Chapter I, Section 1. of the P.R. Point 36.1.2.4. The monthly cost will be reported. Access conditions 4 Minimum monthly income requested Numeric 15 In case it is not a requirement, it will be reported 0. 5 Minimum work seniority (months) Numeric 2 In case it is not a requirement, it will be reported 0. 6 Maximum age requested Numeric 3 In case it is not a requirement, it will be reported 100. 7 Beneficiaries Numeric 1 Point 36.1.2.1.
0. All beneficiaries;

1. Natural persons in employment relationship;
2. Natural persons Monotributists;
3. Natural persons Registered Taxpayers;
4. Public employees;
5. Clients with an account in the entity;
6. Clients who prove salaries in the entity;
7. Beneficiaries of Social Security
   accounts;
8. Legal entities;
9. SMEs.
   Version: 3rd COMMUNICATION "A" 8188 Validity:
   29/01/2025 Page 17

36.1.4.6. File "TARJETAS.TXT".
B.C.R.A. PRESENTATION OF INFORMATION TO THE CENTRAL BANK
Section 36. Transparency Information Regime.
Name: Credit Cards
(file TARJETAS.TXT)
Sheet 1 of 2
No
Field
Name Type Maximum
Length
Observations
1 Full name of the credit card Character 128 General instructions, Chapter I,
Section 1. of the P.R.
2 Short name of the credit card Character 25 General instructions, Chapter I,
Section 1. of the P.R.
3 Maximum commission for account administration and maintenance Numeric 9 (6,2) General instructions, Chapter I,
Section 1. of the P.R.
Point 36.1.2.4.
In case it is not charged, it will be reported 0. 4 Maximum commission for renewal service Numeric 9 (6,2) General instructions, Chapter I,
Section 1. of the P.R.
Point 36.1.2.4.
The annual cost will be reported.
In case it is not charged, it will be reported 0. 5 Maximum annual effective rate of compensatory interest for balance financing Numeric 8 (5,2) Point 36.1.2.3. 6 Maximum annual effective rate of interest for cash advance Numeric 8 (5,2) Point 36.1.2.3. Access conditions 7 Minimum monthly income requested Numeric 15 In case it is not a requirement, it will be reported 0. 8 Minimum work seniority (months) Numeric 2 In case it is not a requirement, it will be reported 0. 9 Maximum age requested Numeric 3 In case it is not a requirement, it will be reported 100. Version: 3rd COMMUNICATION "A" 8188 Validity:
29/01/2025 Page 20