Circular RUNOR 1-1959: Electronic Communication for Environmental Care. Protection of Financial Services Users. Update.

"2026 - YEAR OF ARGENTINE GREATNESS"
COMMUNICATION “A” 8433 06/05/2026
TO FINANCIAL ENTITIES,
TO TRUSTEES OF FINANCIAL TRUSTS INCLUDED IN THE FINANCIAL ENTITIES LAW, TO EXCHANGE OPERATORS, TO NON-FINANCIAL COMPANIES ISSUING CREDIT CARDS, TO NON-FINANCIAL COMPANIES ISSUING PURCHASE CARDS, TO OTHER NON-FINANCIAL CREDIT PROVIDERS, TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS, TO PAYMENT SERVICE PROVIDERS FULFILLING THE INITIATION FUNCTION:
Ref.: Circular RUNOR 1-1959:
Electronic Communication for Environmental Care.
Protection of Financial Services Users. Update.
___________________________________________________________________________ We address you to inform you that, due to the redesign of the official BCRA website, new access routes have been enabled for downloading updated models of signs and links, as established in points 4.4.1.7., 4.5. and 5.2. of the consolidated text on Electronic Communication for Environmental Care. In this regard, we note that the indicated information can be found at www.bcra.gob.ar by accessing: https://www.bcra.gob.ar/aplicativos/ Alternatively, we indicate that it may be downloaded from https://www3.bcra.gob.ar (for exclusive use by financial entities and non-financial companies issuing credit cards). The same access routes will be used in case of opting for inclusion in the INTERNET banking service. Furthermore, we inform you that the modifications provided for in Communication B 11353 and in the consolidated text on Protection of Financial Services Users have been incorporated, consisting of the update of the inquiry links mentioned in Section 2 (points 2.3.1.1. viii, 2.3.4. iv and 2.3.14.). Finally, we send you the sheets that, replacing those duly provided, should be incorporated into the consolidated texts referenced. In this regard, we remind you that on this Institution's website www.bcra.gob.ar, by accessing “Sections - Financial System - LEGAL AND REGULATORY FRAMEWORK - Consolidations and summaries - Consolidated texts of general regulation”, you will find the modifications made with text highlighted in special characters (strikethrough and bold).

-2-
We salute you attentively.
CENTRAL BANK OF THE ARGENTINE REPUBLIC
Oscar A. Diakovsky Darío C. Stefanelli
Chief Manager for Protection of Financial Services Users Chief Manager for Issuance and Regulatory Applications ANEXO

vii) When making a deposit operation, ensure to insert the envelope containing cash or checks together with the first receipt issued by the ATM during that transaction process, into the specific slot for that function, and retrieve the receipt the machine provides upon completion of the operation, which will serve for any subsequent claim. viii) Do not forget to retrieve the magnetic card upon completion of operations. ix) If the ATM retains the card or does not issue the corresponding receipt, immediately communicate this situation to the financial entity with which one operates and to the bank administering the ATM. x) In case of loss or theft of the card, immediately report this situation to the financial entity that issued it. xi) In case of withdrawals where there are differences between the receipt issued by the ATM and the amount actually withdrawn, communicate this circumstance to the financial entity where the operation was carried out and the system administrator, in order to resolve the issue.
4.4.1.7. Related to the Financial Services User Attention Service with the following details:
i) The existence of this service. ii) The first and last names of the responsible persons (primary and substitute(s)) designated before the BCRA for this service and those of their representatives deemed pertinent according to the branch and/or region, along with contact details for all of them (work addresses –postal and email– and phone numbers). iii) The different alternative means through which the financial services user may opt to channel their inquiry or claim. iv) The attention procedure and the maximum term of ten (10) business days to respond and definitively resolve inquiries and claims. v) That cases of lack of response from obligated entities or dissatisfaction with resolutions adopted by them may be reported by financial services users to the BCRA. vi) Inform that the BCRA has an area for Protection of Financial Services Users, which can be contacted by accessing https://www.bcra.gob.ar/.
4.4.2. Exchange operators.
They shall disseminate the information detailed in points 4.4.1.5., 4.4.1.7. and 4.5.1. in the modalities provided therefor.
B.C.R.A.
ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 4. Information to be disseminated in public service premises.
Version: 4th. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 4

4.5.1.
B.C.R.A.
ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 4. Information to be disseminated in public service premises.
Version: 2nd. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 6

4.5.2.
B.C.R.A.
ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 4. Information to be disseminated in public service premises.
Version: 3rd. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 7

4.5.3.
B.C.R.A.
ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 4. Information to be disseminated in public service premises.
Version: 2nd. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 8

4.5.4.
B.C.R.A.
ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 4. Information to be disseminated in public service premises.
Version: 3rd. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 9

4.5.5.
B.C.R.A.
ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 4. Information to be disseminated in public service premises.
Version: 3rd. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 10

4.5.6.
B.C.R.A.
ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 4. Information to be disseminated in public service premises.
Version: 3rd. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 11

5.1. Covered entities.
The entities mentioned in points 1.1.1. and 1.1.2. shall comply with the requirements for disseminating mandatory information through the institutional website and/or Internet banking (home banking), as applicable, provided for in point 5.3.
5.2. Models and location of information.
The obligated entities shall publish on the lower part of the initial page of their institutional website a link, whose model must be downloaded from the BCRA website (www.bcra.gob.ar), which will redirect to the site https://www.bcra.gob.ar/. In turn, they shall include on their website a section titled “Information for the financial user” that allows access to all mandatory dissemination information provided for in point 5.3. Such elements may be included in the Internet banking service (home banking) –if they provide said service–. Access to the “Information for the financial user” section must be easy, direct and occupy a visible place on the mentioned page. The URL address corresponding to the mentioned section must be reported to the BCRA for its publication on the site https://www.bcra.gob.ar/.
5.3. Mandatory dissemination information.
5.3.1.Financial entities
5.3.1.1. Shall disseminate obligatorily through their institutional website the following information:
i) That provided for in point 4.4.1. –except point 4.4.1.6.–. ii) Of all products and/or services, own or third-party, offered to financial services users, inform all commissions, charges, interest rates and total financial cost that the latter must pay. In case of products and/or services whose conditions vary based on certain parameters established by the obligated entity (age, term, amount, employee or retiree status, with or without payment of benefits through the obligated entity, etc.), the aforementioned information must be published separately for each variant of the product and/or service in question. B.C.R.A. ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE
Section 5. Information to be disseminated through the institutional website and INTERNET banking (home banking).
Version: 2nd. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 1

CONSOLIDATED TEXT ORIGIN STANDARD OBSERVATIONS Sec. Point Para. Com. Annex Chap. Sec. Point Para.
1.
1.1. “A” 5886
1.1.1. “A” 5886
1.1.2. “A” 5886
1.1.3. “A” 5886
1.1.4. “A” 5886
1.1.5. “A” 7146 7.
1.2. “A” 5886
1.2.1. “A” 5886
1.2.2. “A” 5886
1.2.3. “A” 5886 S/Com. “A” 6664.
1.2.4. “A” 5886 S/Com. “A” 6279 and
6348.
1.2.5. “A” 5886
1.3. “A” 5886
1.4. “A” 5886
1.4.1. “A” 5886
1.4.2. “A” 5886
1.4.3. “A” 5886
1.4.4. “A” 5886
1.4.5. “A” 5886
2. “A” 5886 S/Com. “A” 6725 and
8392.
3.
3.1. “A” 6042 10.
3.2. “A” 6042 11. S/Com. “A” 6188, 6448
and 7199.
3.3. “A” 6716 S/Com. “A” 8131.
3.4. “A” 7260
3.5. “A” 6448 6. S/Com. “A” 6664.
4.
4.1 “A” 6419 1. S/Com. “A” 6462.
4.2. “A” 6419 1.
4.3. “A” 6419 1.
4.4. “A” 6419 1. S/Com. “A” 6462, 6541,
6753, 6871, 6892, 7146,
8246 and 8433.
4.5. “A” 6419 1. S/Com. “A” 6547, 6721,
6887 and 8433.
4.6. “A” 6419 1. S/Com. “A” 6462.
5.
5.1. “A” 6419 2.
5.2. “A” 6419 2. S/Com. “A” 8433.
5.3. “A” 6419 2. S/Com. “A” 6721, 6871,
7146, 7199 and 8246.
B.C.R.A.
ORIGIN OF THE PROVISIONS CONTAINED IN THE CONSOLIDATED TEXT ON ELECTRONIC COMMUNICATION FOR ENVIRONMENTAL CARE

vii) The user's right to carry out counter operations, without restrictions on operation type –subject to those that may exist for operational reasons– nor on minimum amount, as provided in point 2.3.2.2. viii) The legend: “You may consult the “Transparency Regime” prepared by the BCRA based on information provided by obligated entities in order to compare costs, characteristics and requirements of financial products and services, by accessing https://www.bcra.gob.ar/regimen-de-transparencia/. ix) The right to request the opening of the Savings Account in pesos with the benefits provided for in point 1.8. of the TO on Savings, Salary and Special Deposits, which will be free of charge. x) The remaining legally regulated requirements according to the product or service in question.
2.3.1.2. Multiproduct contracts.
Regarding freedom of choice of financial products or services provided by obligated entities, multiproduct contracts will be admitted to the extent that sections corresponding to each product can be separated into autonomous individual contracts, so that each user may adhere only to the product/s that effectively interest them. The revocation or rescission of a product or service that is part of a multiproduct contract may imply, when the obligated entity so provides, the loss of benefits and/or cancellation of remaining associated products or services, except savings accounts in pesos –when open– since they do not form part of multiproduct packages (point 1.4. of the TO on Savings, Salary and Special Deposits). In such cases, when an increase in the total cost of remaining products or services occurs, this circumstance must be previously informed to the financial services user indicating the available means to consult new values –as provided for in advertising matters in point 2.4.–.
2.3.1.3. Remote contracting of products and services.
Whatever the modality used (telephone, by correspondence, by electronic means, promotion through third parties, etc.) obligated entities shall:
− provide or make available to the financial services user a copy of the contract with the authorized signature of the obligated entity, within ten (10) business days after contracting or effective availability of the product or service, whichever occurs last; − use the usual documentation they employ in face-to-face contracts. B.C.R.A. PROTECTION OF FINANCIAL SERVICES USERS
Section 2. Basic rights of financial services users.
Version: 11th. COMMUNICATION “A” 8433 Validity:
07/05/2026 Page 5

When it concerns modifications in commission and/or charge values duly accepted by the user, their consent to the change may be established by lack of objection within the term established in subsection iv). In credit card contracts, consent to modifications in agreed conditions (new commissions and/or charges) may only be given by the account holder. i) Notifications. Form, terms and effects. The financial services user must be notified of modifications to be applied by the obligated entity with a minimum advance of sixty (60) calendar days prior to their entry into force. Modifications that are economically more beneficial to the user –due to a reduction of agreed values– do not require advance notification. Notifications for changes in agreed conditions (new concepts and/or values or reduction of service benefits) will be free of charge for the financial services user in all cases. They must be carried out by written document addressed to the actual domicile of the financial services user –separately from any other information sent by the obligated entity (account summaries, informational bulletins, etc.), even if it forms part of the same dispatch– or by electronic means in cases where this is the form of communication. In the latter case, the notification must be clear, easily accessible to the user and include the issue date. In the body of these notifications, the following legends must be included:

• “You may opt to terminate the contract at any time before the change enters into force and free of charge, without prejudice that you must fulfill pending obligations under your responsibility”.
• “You may consult the “Transparency Regime” prepared by the BCRA based on information provided by obligated entities in order to compare costs, characteristics and requirements of financial products and services, by accessing https://www.bcra.gob.ar/regimen-de-transparencia/
  Furthermore, when the value of commissions detailed below is modified, the body of notifications must display a comparative table for those amounts that will be prepared and timely made available by the Superintendence of Financial and Exchange Entities (SEFYC) on the site https://www.bcra.gob.ar/primeras-10-entidades/:
• Savings account: issuance of additional debit cards; replacement of debit cards due to theft or loss and use of ATMs (outside the entity's operating houses, another entity's and abroad).
• Credit cards: issuance, renewal, administration or account maintenance service; replacement or reprint of card due to theft or loss and additional cards.
  B.C.R.A. PROTECTION OF FINANCIAL SERVICES USERS
  Section 2. Basic rights of financial services users.
  Version: 16th. COMMUNICATION “A” 8433 Validity:
  07/05/2026 Page 10

The charge that the obligated entity applies to the user may not be higher than that charged by the chosen insurance company for operations with individuals and without the intervention of the obligated entity, contracted at the place of contracting or domicile of the user. In no case may obligated entities register remuneration or profits for insurance that their users contract as accessory to a financial service –regardless of whether it is a user request or a condition established by the obligated entity to access the financial service–, so these concepts cannot integrate charges transferred to them nor be received directly or indirectly from the insurance company.
2.3.13. Insurance as non-accessory contracting to a financial service.
Obligated entities may not receive from users any type of remuneration –commission and/or charge– additional to the premium determined by the insurer, linked with the intermediation activity of general insurance contracts provided for in point 3.1.2. of the TO on Complementary Services of Financial Activity and Permitted Activities. The premium that the obligated entity receives from the user may not be higher than the amount charged by the chosen insurance company for operations with individuals and without the intervention of the obligated entity.
2.3.14. Information to the user.
Upon sending account summaries, the obligated entity must include –as applicable– the following legends in a visible place and with prominent letter size:

• “You may request the “Savings account” in pesos with the benefits provided for in point 1.8. of the TO on Savings, Salary and Special Deposits, which will be free of charge”. (Financial entities)
• “You may consult the “Transparency Regime” prepared by the Central Bank based on information provided by obligated entities in order to compare costs and characteristics of financial products and services by accessing https://www.bcra.gob.ar/regimen-de-transparencia/
• “Dollar consumption on your credit cards may be settled in that foreign currency or in pesos, with the selling exchange rate (applicable for operations carried out at the counter or through electronic means, as applicable) of the settlement moment applying as maximum in this case–or the immediate preceding business day when payment is made on a non-business day–. If you had agreed to automatic debit of the card statement, the selling exchange rate for operations carried out through electronic payment means at the close of the same business day of payment will apply”. (Financial entities issuing credit and/or purchase cards)
  B.C.R.A. PROTECTION OF FINANCIAL SERVICES USERS
  Section 2. Basic rights of financial services users.
  Version: 6th. COMMUNICATION “A” 8433 Validity:
  07/05/2026 Page 15

CONSOLIDATED TEXT ORIGIN STANDARD OBSERVATIONS Section Point Paragraph Com. Point Paragraph 1.
1.1. “A” 5388
1.1.1. “A” 5388 S/Com. “A” 5482.
1.1.2. “A” 5388
1.1.2.1. “A” 2467 2° S/Com. “A” 4378 and 5388.
1.1.2.2. “A” 5388 S/Com. “A” 6443.
1.1.2.3. “A” 4378 S/Com. “A” 5388.
1.1.2.4. “A” 5388 S/Com. “A” 7146.
1.1.2.5. “A” 7146 6.
1.1.2.6. “A” 7593 1.
1.1.2.7. “A” 7593 1.
1.2. 1° “A” 90 Único S/Com. “A” 4378, 5388 and 6279.
2° “A” 2900 1. 2° S/Com. “A” 5388, 6279 and 6462.
1.3. “A” 7593 2.
2.
2.1. “A” 5388 S/Com. “A” 5460 and 7199.
2.2. “A” 5388 S/Com. “A” 5460.
2.2.1. “A” 5388 S/Com. “A” 5460.
2.2.2. “A” 5388 S/Com. “A” 5460, 6664, 7517 and 7744. In-
cludes normative interpretation.
2.2.3. “A” 7517 1.IV) S/Com. “A” 7744.
2.2.4.1. “A” 5388 S/Com. “A” 5460.
2.2.4.2. “A” 5388 S/Com. “A” 5460.
2.2.4.3. “A” 7517 1. III) S/Com. “A” 7744.
2.2.4. last “A” 5388 S/Com. “A” 5460.
2.3. “A” 5388 S/Com. “A” 5460.
2.3.1. “A” 5460 S/Com. “A” 5928, 6068, 6123, 6145, 6188,
6448, 7199, 8183, 8433, B 11353 and 12135.
2.3.2. “A” 5460 S/Com. “A” 5795, 5823, 5928, 5990 and
6681.
2.3.3. “A” 5460
2.3.4. “A” 5460 S/Com. “A” 5928, 6279, 7199, 8433 and “B”
11353.
2.3.5. “A” 5460 S/Com. “A” 5849, 5853, 6279, 6419 and
6664.
2.3.6. “A” 6664 1. S/Com. “A” 7146.
2.3.7. “A” 5460
2.3.8. “A” 5460
2.3.9. “A” 5460
2.3.10. “A” 5460
2.3.11. “A” 5460
2.3.12. “A” 5460 S/Com. “A” 5795, 5828 and 5928.
2.3.13. “A” 5928 S/Com. “A” 6123.
2.3.14. “A” 5928 2. Includes interpretative clarification. S/Com.
“B” 11353, “A” 6664 and 8433.
2.4. 1° “A” 5388 S/Com. “A” 5460, 7146, 7162, 7199 and
8183.
2.5. “A” 5388 S/Com. “A” 5460, 5498, 5591, 5685, 5928,
6279, 7146, 7744 and 7969.
2.6. “A” 5460 S/Com. “A” 6664 and 7162.
2.7. “A” 7199
3. 1° “A” 5388 S/Com. “A” 5460 and 6418.
B.C.R.A. ORIGIN OF THE PROVISIONS CONTAINED IN THE CONSOLIDATED TEXT ON PROTECTION OF FINANCIAL SERVICES USERS