Circular SINAP 1-251: National Payments System - Checks and Other Negotiable Instruments Update

"2026 - YEAR OF ARGENTINE GREATNESS" COMMUNICATION "A" 8458 23/07/2026 TO FINANCIAL ENTITIES, TO OTHER NON-FINANCIAL CREDIT PROVIDERS, TO PLATFORMS FOR SME FINANCING, TO ELECTRONIC CLEARING HOUSES, TO AUTOMATED TELLER MACHINE NETWORKS, TO FINANCIAL MARKET INFRASTRUCTURES, TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS: Ref.: Circular SINAP 1-251: National Payments System - Checks and Other Negotiable Instruments. Update.

---

We address you to provide you with the sheets that, in replacement of those previously provided, must be incorporated into the consolidated text of the reference based on the provisions disseminated through point 4.1 of Bulletin CIMPRA 526. It is recalled that on this Institution's website www.bcra.gob.ar, by accessing "Sections – Financial System – LEGAL AND REGULATORY FRAMEWORK – Consolidation and summaries – Consolidated texts of general regulations", the modifications made with text highlighted in special characters (strikethrough and bold) will be found. We remain at your service. CENTRAL BANK OF THE ARGENTINE REPUBLIC Irene T. Cano Matías A. Gutiérrez Girault Signature 2 Deputy Manager of Payment Systems Main Manager of Payment Systems and Current Accounts Functional Position ANNEX

3.4.3.2. Management: may be carried out by financial entities as well as by systemically important financial market infrastructures, authorized for such purposes by the BCRA. Regarding the custody/registration of checks generated by electronic means (ECHEQ) for stock market negotiation, such infrastructures must additionally have the approval of the relevant supervisory body. In the case of the negotiation of an ECHEQ or another negotiable electronic document, the ECHEQ managing entities must send the required information to the storage system, with their exclusive responsibility being the integrity and validity of the data provided regarding the last legitimate holder and/or, where applicable, existing guarantees. 3.4.3.3. Deposit: shall be an exclusive and mandatory function of financial entities. 3.4.3.4. Financial entities and other participants must make available to their customers the functionalities included in the role or service of issuance, management, or deposit as appropriate, and may not carry out partial implementations for the same service. 3.4.4. Certification for Civil Actions (CAC) If for any reason an ECHEQ is not paid, in whole or in part, the depository financial entity or the financial entity where the payer client (member of the endorsement chain, guarantor, or assignee) of a rejected ECHEQ holds an account – provided they are legitimized for these purposes – must issue, upon the beneficiary's request, the Certification for Civil Actions (CAC) established in Article 61 of the Checks Law. In the case of counter collection, the drawn bank will be responsible for this function. The issuance of this certification will block the registration of the ECHEQ in the Storage System for electronically generated checks. Its issuance will be on paper support, without special security measures, and must be signed by two authorized officials of the financial entity at the bottom of the document, with all its pages initialized. In order for judicial officials, endorsers, guarantors, or third parties who have accessed the document to be able to consult the concordance of what is stated in the CAC with the data in the check storage system, each CAC will have a "Visualization Code" to verify the information through an internet page. This internet page for the centralized consultation of the CAC through its visualization code will be implemented by the Low-Value Clearing House (CEC-BV) which has the mandate to operate and administer the storage system for ECHEQs. The CAC must include the following text, in addition to a reference to the centralized consultation internet page via its visualization code: "Certification for Civil Actions Number [Unique Number Registered in the ECHEQ Storage System] B.C.R.A. NATIONAL PAYMENTS SYSTEM CHECKS AND OTHER NEGOTIABLE INSTRUMENTS Section 3. Operational Instructions Version: 2nd COMMUNICATION "A" 8458 Validity: 24/07/2026 Page 30

B.C.R.A. ORIGIN OF THE PROVISIONS CONTAINED IN THE CONSOLIDATED TEXT ON THE NATIONAL PAYMENTS SYSTEM CHECKS AND OTHER NEGOTIABLE INSTRUMENTS CONSOLIDATED TEXT ORIGIN NORM OBSERVATIONS Sec. Point Para. Com. Annex Ch. Sec. Point Para.

1. 1.1. "A" 2559 Checks w/o Com. "A" 4281 and 5053.

2.1. "A" 2559 " w/o Com. "A" 4281 and 5053. 2.2. "A" 2559 " w/o Com. "A" 4281, 5053, 8438 and "B" 10988. 2.3. "A" 2559 " w/o Com. "A" 4281, 5053, 6071, 7783, 8086, 8299 and 8438. 2.4. "A" 2559 " w/o Com. "A" 4281 and 5053. 3. 3.1. "A" 2559 " ii 3.1.2.2. w/o Com. "A" 2795, 4281, 4410, 5053 and "B" 10988. "A" 2559 " 3.1.3. w/o Com. "A" 2795, 4281, 4410 and 5053. "A" 2559 " 3.1.4. w/o Com. "A" 2795, 4281, 4410, 5053 and "B" 10735. 3.2. "A" 2559 " 3.2.7. w/o Com. "A" 4281 and 5053. "A" 2559 " ii 3.2.7.1. w/o Com. "A" 4281, 5053, 6101 and 8438 . "A" 2559 " 3.2.7.2. w/o Com. "A" 4281 and 5053. "A" 2559 " 3.2.8. w/o Com. "A" 4281, 5053 and "B" 10988. 3.3. "A" 2559 " 3.3.7. w/o Com. "A" 4281 and 5053. "A" 2559 " 3.3.7.2. w/o Com. "A" 4281, 5053 and 6101. 3.4. "A" 6578 4. w/o Com. "A" 6655, 6726, 6727, 6762 and 8438. 3.4.4. "A" 6727 w/o Com. "A" 8458 and Bulletin CIMPRA 526. 3.4.5. "A" 7832 Regulatory clarification. 3.5. "A" 7219 1. w/o Com. "A" 7314, 8176 and 8359. 3.6. "A" 7672 unique w/o Com. "A" 7800, 7819, 7871, 7943, 7989, 8051 and 8438. 4. 4.1 "A" 2559 " w/o Com. "A" 4281 and 5053. 4.2. "A" 2559 " w/o Com. "A" 5053. 4.3. "A" 2559 " w/o Com. "A" 4281 and 5053. 5. 5.1. "A" 2559 " w/o Com. "A" 5053. 5.2. "A" 2559 " w/o Com. "A" 5053. 6. 6.1.1. "A" 2559 " w/o Com. "A" 5053 and 8438. 6.1.2. "A" 2559 " w/o Com. "A" 5053 and 8438. 6.2.1. "A" 8438 6.2.2. "A" 8438 7. 7.1.1. "A" 2559 " w/o Com. "A" 5053 and 8438. 7.1.2. "A" 2559 " w/o Com. "A" 2723, 5053 and 8438.