Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes

[unofficial translation]
Pursuant to Article 44 paragraph 2 item 3 of the Central Bank of Montenegro Law (OGM 40/10, 6/13, 70/17, 125/23), Article 65a paragraph 2 of the of the Payment System Law (OGM 62/13, 6/14, 111/22), and Article 112 paragraph 7 of the Law on the Prevention of Money Laundering and Terrorist Financing (OGM 110/13), the Council of the Central Bank of Montenegro, at its meeting held on 31 December 2024, passed the following DECISION ON THE CENTRAL REGISTRY OF TRANSACTION ACCOUNTS AND DEPOSITS AND SAFE DEPOSIT BOXES Basic provision
Article 1
This Decision regulates the content of the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (hereinafter: the Central Registry), as a uniform information database on transaction accounts for executing national and international payment transactions, demand deposits and term deposits, and leased safe deposit boxes with credit institutions and branches of foreign credit institutions (hereinafter: credit institutions), data to be submitted for the purpose thereof, the manner of the submission of data and the manner of having an insight in data from such registry. Data entered into the Central Registry
Article 2
The following data shall be entered into the Central Registry:

1. on transaction accounts;
2. on demand deposits and term deposits, and
3. leased safe deposit boxes.
   Data referred to in paragraph 1 of this Article shall be kept for legal persons, entrepreneurs and natural persons - residents in line with regulation of the Central Bank of Montenegro (hereinafter: the Central Bank) regulating detailed conditions and the manner of opening and closing of transaction accounts. Data on transaction accounts
   Article 3
   The following data shall be entered into the Central Registry:

1. The number of transaction account of a legal person, an entrepreneur or a natural
   person - resident or a transaction account of a legal person or a natural person - non-resident (up to 22 characters):
   The number of transaction account of a legal person, an entrepreneur or a natural person - resident or a transaction account of a legal person or a natural person -

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 2 non-resident for executing national payment transactions (18 characters) or for executing international payment transactions (22 characters), which is determined in accordance with the regulation governing the structure of transaction accounts for executing those payment transactions.
2. Name of a legal person, entrepreneur or name and surname of a natural person
(up to 105 characters):
For resident, the name of a legal person or an entrepreneur shall be entered from the administrative decision on registration into the Central Registry of Business Undertakings (hereinafter: the CRPS) or from a document on registration with another competent authority, or name and last name of a natural person from the personal identity document or a passport. For non-resident, the name of a legal person shall be entered from the excerpt from the registry in which it is entered, or, if it is established in a country where the entry is not made in such a registry, from another valid document of incorporation, in accordance with the regulations of the country of the head office, or, for natural person, the name and last name of that person from the passport or other appropriate personal identity document containing a photo (hereinafter:
appropriate personal identity document).
3. Abbreviated name of a legal person or an entrepreneur - resident or abbreviated
name of a legal person - non-resident (up to 35 characters):
For resident, the abbreviated name of a legal person or an entrepreneur shall be entered from the administrative decision on registration into the CRPS or from a document on registration with another competent authority. For non-resident, where applicable, the abbreviated name of a legal person from the excerpt from the registry in which it is registered or from other valid document of incorporation.
4. Local self-government unit (hereinafter: the municipality) in which the head office
of a legal person or an entrepreneur - resident is located (3 characters):
The municipality code shall be entered from the Codebook of municipalities and territory of Montenegro determined by the competent authority.
5. A place where the head office of a legal person or an entrepreneur, or habitual
residence of a natural person - resident is located or a place and the state where the head office of a legal person or habitual residence of a natural person - non￾resident is located (up to 35 characters):
For resident, the name of a place in Montenegro where the head office of a legal person or an entrepreneur is located, or the habitual residence of a natural person shall be entered. For non-resident, the name of a place and the state of the head office of a legal person, or the name of the state of habitual residence of a natural person shall be entered.
6. Designation of the country of the head office of the legal person or entrepreneur,
i.e. the habitual residence of the natural person who owns the account (up to two characters):

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 3 Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered.
7. Head office and address of a legal person or entrepreneur, i.e. habitual residence
and address of a natural person (up to 150 characters):
For residents, address of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person shall be entered. For non-residents, head office and address of a legal person, or address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable.
8. Code of the transaction account holder (1 character):
The following shall be entered:
− -“0” for legal person - resident;
− -“1” for entrepreneur - resident;
− -“2” for joint account;
− -“3” for natural person - resident;
− -“4” for legal person - non-resident;
− -“5” for natural person - non-resident;
9. The registration number of a legal person, the registration number or unique
master number of an entrepreneur or unique master number of a natural person - resident, or identification number of a legal person or a natural person - non￾resident shall be entered (up to 20 characters):
For resident, the registration number of a legal person which, as a rule, corresponds to tax identification number, the registration number or a unique master number of an entrepreneur or a unique master number of a natural person shall be entered as follows: for unique master number of a legal person - eight numeric characters, for registration number or unique master number of an entrepreneur - eight or 13 numeric characters, and for unique master number of a natural person - 13 numeric characters. For non-resident legal person, the number from the excerpt from the registry in which it is registered or the number from other valid document of incorporation shall be entered, and for non-resident natural person, passport identification number or the number from other appropriate personal identity document of a natural person - non-resident shall be entered. 10.Type and number of the valid personal identity document for natural persons:

• code “1” – personal identity card or other appropriate personal identity
  document of the resident;
• code “2” - passport of the resident;
• code "3" – personal identity card or other appropriate personal identity
  document of the non-resident;
• code “4” - passport of the non-resident;

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 4 The number, or the alphanumeric code from the personal identity document shall be entered. 11.Country of issuance of valid personal identity document of the natural person (up to two characters):
Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 12.Business activity of a legal person or entrepreneur - resident, or business activity

• scope of operations of a legal person - non-resident (up to 35 characters):
  For resident, activity code from the notification of a competent authority shall be entered. For non-resident, the business activity - scope of operations from the excerpt from the registry in which it is registered or from other valid document of incorporation shall be entered. 13.Tax identification number (TIN) of a legal person or an entrepreneur – resident, or tax identification number (TIN) of a legal person - non-resident:
  For resident, tax identification number (TIN) of a legal person or an entrepreneur shall be entered as follows: for legal person – eight numeric characters, and for entrepreneurs - 13 numeric characters, For non-resident, where applicable, tax identification number (TIN) of a legal person shall be entered - eight numeric characters. 14.Date of change (10 characters):
  Date of change of data with regard to the transaction account shall be entered as follows, In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY). 15.Status of the transaction account (1 character) The following shall be entered:
  -“0” for active account;
  -“1” for the account being frozen for crediting, -“2” for the account being frozen for debiting; -“3” for the account being frozen for the enforced collection purposes; -“4” for cancelled account; -“5” for the prohibition of disposing of funds; -“8” for temporarily inactive account.

16. Type of change (1 character):
    The following shall be entered:

• “0” for new transaction account;
  -“1” for account undergoing change of data; -“9” for cancelled transaction account.

17. Transaction account activity (1 character):

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 5 The following shall be entered:

• “0” for the account subject to enforced collection;
• “2” for the account excluded from enforced collection.
  18.The number of a framework contract on payment services (up to 35 characters):
  The number of a framework contract on transaction account opening shall be entered. 19.The number of a framework contract on payment services (up to 35 characters):
  The number of a framework contract on transaction account opening shall be entered here. In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY). 20.Name and surname of the natural person authorised to dispose of funds at the transaction account (up to 105 characters):
  For a natural person - resident, the name and surname of that person from the personal identity card, passport or other appropriate identity document. For a natural person - non-resident, the name and surname of that person from the personal identity card, passport or other appropriate personal identity document. 21.The unique master number of a natural person - resident, or the identification number from the personal identity card, passport or other appropriate personal identity document of a natural person - non-resident authorised to dispose of funds on the transaction account (up to 20 characters). 22.Type and number of the valid personal identity document for natural persons:
• code “1” – personal identity card or other appropriate personal identity
  document of the resident;
• code “2” - passport of the resident;
• code "3" – personal identity card or other appropriate personal identity
  document of the non-resident;
• code “4” - passport of the non-resident;
  The number, or the alphanumeric code from the personal identity document shall be entered. 23.Country of issuance of a valid identity document of a natural person authorised to dispose of funds on a transaction account for the execution of national and international payment transactions (up to two alphabetic characters):
  Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered.

24. Habitual residence and address of a natural person (up to 150 characters):
    For residents, habitual residence and address of the natural person shall be entered, For non-residents, address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 6 By way of derogation from paragraph 1 of this Article, in case of joint account:

• information only for a person that is first signatory at the application for joint account
  opening shall be entered under items 2, 3, 4, 5, 6 and 9;
• registration numbers or unique master numbers or identification numbers and tax
  numbers of all holders of joint account shall be entered under items 8 and 10 (up to 139 characters). Information on deposits
  Article 4
  The following data on demand and term deposits shall be entered into the Central Registry:

1. The number of contract on cash deposit (up to 18 characters):
   Information on the number of the contract on cash deposit shall be entered.
2. Name of a legal person or an entrepreneur or name and last name of a natural
   person - resident or full name of a legal person or name and last name of natural person - non-resident who is deposit holder (up to 105 characters):
   For resident, the name of a legal person or an entrepreneur shall be entered from the administrative decision on registration into the Central Registry of Business Undertakings or from a document on registration with another competent authority, or name and last name of a natural person from the personal identity card, passport or other relevant personal identity document. For non-resident, the name of a legal person shall be entered from the excerpt from the registry in which it is entered, or, if it is established in a country where entry is not made in such a Central registry, from another valid document of incorporation, in accordance with the regulations of the country of the head office, or, for natural person, the name and last name of that person from the personal identity card, passport or other appropriate personal identity document.
3. The municipality where the head office of the legal person or entrepreneur - resident
   who is deposit holder is located (three characters):
   The municipality code shall be entered from the Codebook of municipalities and territories of Montenegro determined by the competent authority.
4. A place where the head office of a legal person or an entrepreneur, or habitual
   residence of a natural person - resident is located or a place and the state where the head office of a legal person or habitual residence of a natural person - non-resident who is deposit holder is located (up to 35 characters):
   For resident, the name of a place in Montenegro where the head office of a legal person or an entrepreneur is located, or the habitual residence of a natural person shall be entered. For non-resident, the name of a place and the state of the head office of a legal person, or the name of the state of habitual residence of a natural person shall be entered.
5. Designation of the head office of a legal person or an entrepreneur, i.e. the habitual

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 7 residence of a natural person who is deposit holder (up to two alphabetic characters):
Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered.
6. Head office and address of a legal person or entrepreneur, i.e. Habitual residence
and address of a natural person (up to 150 characters):
For residents, address of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person shall be entered. For non-residents, head office and address of a legal person, or address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable.
7. The registration number of a legal person, the registration number or unique master
number of an entrepreneur or unique master number of a natural person - resident, or identification number of a legal person or a natural person - non-resident who is deposit holder shall be entered (up to 20 characters):
For a resident, the registration number of a legal person shall be entered, which as a rule corresponds to the tax identification number, registration number or unique master number of an entrepreneur or unique master number of a natural person, namely:
For the registration number of a legal person - eight numeric characters; For the registration number or unique master number of the entrepreneur – eight or 13 numeric characters; For the unique master number of the natural person – 13 numeric characters. For non-resident legal person, the number from the excerpt from the registry in which it is registered or the number from other valid document of incorporation shall be entered, and for non-resident natural person, passport identification number or the number from other appropriate personal identity document of a that person shall be entered.
8. Tax identification number (TIN) of a legal person or entrepreneur who is deposit
holder:
For resident, tax identification number (TIN) of a legal person or an entrepreneur shall be entered as follows: for legal person - eight numeric characters, and for entrepreneurs - 13 numeric characters, For non-resident, where applicable, tax identification number (TIN) of a legal person shall be entered - eight numeric characters.
9. Type and number of the valid personal identity document for natural persons:

• code “1” – personal identity card or other appropriate personal identity
  document of the resident;
• code “2” - passport of the resident;
• code "3" – personal identity card or other appropriate personal identity
  document of the non-resident;
• code “4” - passport of the non-resident;

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 8 The number, or the alphanumeric code from the personal identity document shall be entered. 10.Country of issuance of a valid personal identity document (up to two characters):
Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 11.Designation of the deposit holder (one character):
The following shall be entered:
− -“0” for legal person - resident;
− -“1” for entrepreneur - resident;
− -“2” for joint account;
− -“3” for natural person - resident;
− -“4” for legal person - non-resident;
− -“5” for natural person - non-resident;
12.Number of the account, or the sub-account where the deposit is kept from the cash deposit contract (up to 35 characters); 13.The date of contract on cash deposit (10 characters):
Information on the date of the framework contract on cash deposit shall be entered. In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY). 14.The date of termination of contract on cash deposit (10 characters):
Information on the date of the termination of term deposit contract shall be entered. In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY). 15.The date of opening an account, or the sub-account where the demand deposit or term deposit is kept; 16.The date of closing an account, or the sub-account where the demand deposit or term deposit is kept; 17.The time period for which the cash deposit contract is valid (three characters):
The number of months for which the cash deposit contract was concluded. 18.Deposit status (one character):
The following shall be entered:
− -“0” - active;
− -“1” - for the prohibition of disposing;
− -“2” - termination of the cash deposit contract; 19.Deposit type (one character):
The following shall be entered:
− “0”– demand;
− “1”– term;

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 9 20.Currency symbol (three characters):
The three-letter code of the currency in accordance with the ISO 4217 international standard in which the funds are deposited shall be entered.
21. Date of change (10 characters):
Date of change of data with regard to the deposit shall be entered as follows, In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY).
22. Type of change (1 character):
The following shall be entered:
− -“0” - new cash deposit contract;
− -“1” - change of data;
− -“9” - termination of the cash deposit contract.
23.Name and surname of the natural person authorised to dispose of funds from the deposit (up to 105 characters):
For a natural person - resident, the name and surname of that person from the personal identity card or passport. For a natural person - non-resident, the name and surname of that person from the passport or other appropriate personal identity document. 24.The unique master number of a natural person - resident, or the identification number from the personal identity card, passport or other appropriate personal identity document of a natural person - non-resident authorised to dispose of funds (up to 20 characters). 25.Type and number of the valid personal identity document for natural persons:

• code “1” – personal identity card or other appropriate personal identity
  document of the resident;
• code “2” - passport of the resident;
• code "3" – personal identity card or other appropriate personal identity
  document of the non-resident;
• code “4” - passport of the non-resident;
  The number, or the alphanumeric code from the personal identity document shall be entered. 26.Country of issuance of a valid identity document of a person authorised to dispose of funds (up to two characters):
  Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 27.Habitual residence and address of a natural person (up to 150 characters):
  For residents, habitual residence and address of the natural person shall be entered,

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 10 For non-residents, address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable. The accounts referred to in paragraph 1 of this Article, where demand deposits and term deposits are kept, do not allow for the provision of payment services. Information on safe deposit boxes
Article 5
The following data on leased safe deposit boxes shall be entered into the Central Registry:

1. Safe deposit box number:
   The number of the safe deposit box under which the safe deposit box is kept at the credit institution shall be entered.
2. The registration number of a legal person, the registration number or unique
   master number of an entrepreneur or unique master number of a natural person

• resident, or identification number of a legal person or a natural person - non￾resident user of a safe deposit box shall be entered (up to 20 characters):
  For resident, the registration number of a legal person which, as a rule, corresponds to tax identification number, the registration number or a unique master number of an entrepreneur or a unique master number of a natural person shall be entered as follows: for registration number of a legal person - eight numeric characters, for registration number or unique master number of an entrepreneur - eight or 13 numeric characters, for unique master number of a natural person - 13 numeric characters. For non-resident legal person, the number from the excerpt from the registry in which it is registered or the number from other valid document of incorporation shall be entered, and for non-resident natural person, passport identification number or the number from other appropriate personal identity document of a natural person - non-resident shall be entered.

3. Tax identification number (TIN) of a legal person or an entrepreneur – resident, or
   tax identification number (TIN) of a legal person - non-resident user of the safe deposit box:
   For resident, tax identification number (TIN) of a legal person or an entrepreneur shall be entered as follows: for legal person - eight characters, and for entrepreneurs - 13 characters, For non-resident, where applicable, tax identification number (TIN) of a legal person shall be entered - eight numeric characters.
4. Full name of a legal person or an entrepreneur or name and last name of a natural
   person - resident or full name of a legal person or name and last name of natural person - non-resident user of the safe deposit box (up to 105 characters):
   For resident, the name of a legal person or an entrepreneur shall be entered from the administrative decision on registration into the Central Registry of

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 11 Business Undertakings or from a document on registration with another competent authority, or name and last name of a natural person from the personal identity card or a passport. For non-resident, the name of a legal person shall be entered from the excerpt from the registry in which it is entered, or, if it is established in a country where entry is not made in such a Central Registry, from another valid document of incorporation, in accordance with the regulations of the country of the head office, or, for natural person, the name and last name of that person from the passport or other appropriate personal identity document.
5. The municipality where the head office of the legal person or entrepreneur -
resident who is the user of the safe deposit box (three characters):
The municipality code shall be entered from the Codebook of municipalities and territory of Montenegro determined by the competent authority.
6. A place where the head office of a legal person or an entrepreneur, or habitual
residence of a natural person - resident is located or a place and the state where the head office of a legal person or habitual residence of a natural person - non￾resident who is the user of the safe deposit box is located (up to 35 characters):
For resident, the name of a place in Montenegro where the head office of a legal person or an entrepreneur is located, or the habitual residence of a natural person shall be entered. For non-resident, the name of a place and the state of the head office of a legal person, or the name of the state of habitual residence of a natural person shall be entered.
7. Designation of the country of the head office of the legal person or entrepreneur,
i.e. the habitual residence of the natural person who is the user of the safe deposit box (up to two characters):
Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered.
8. Head office and address of a legal person or entrepreneur, i.e. Habitual residence
and address of a natural person (up to 150 characters):
For residents, address of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person shall be entered. For non-residents, head office and address of a legal person, or address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable.
9. Type and number of the valid personal identity document for natural persons:

• code “1” – personal identity card or other appropriate personal identity
  document of the resident;
• code “2” - passport of the resident;
• code "3" – personal identity card or other appropriate personal identity
  document of the non-resident;
• code “4” - passport of the non-resident;

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 12 The number, or the alphanumeric code from the personal identity document shall be entered. 10.Country of issuance of a valid personal identity document (up to two characters):
Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 11.Designation of the person who leased the safe deposit box (one character):
The following shall be entered:
− -“0” for legal person - resident;
− -“1” for entrepreneur - resident;
− -“3” for natural person - resident;
− -“4” for legal person - non-resident,
− -“5” for natural person - non-resident;
12.The date of contract on leasing the safe deposit box (10 characters):
Information on the date of concluding the contract on leasing the safe deposit box shall be entered. In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY). 13.The date of termination of the contract on leasing the safe deposit box (10 characters):
Information on the date of termination or expiry of the contract on leasing the safe deposit box shall be entered. In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY). 14.The time period for which the contract on leasing the safe deposit box is valid (three characters):
The number of months for which the contract on leasing the safe deposit box was concluded. 15.Date of change (10 characters):
Date of change of data with regard to the leased safe deposit boxes shall be entered, In the first two places a day is entered, the next two places serve for the month, and the last four places for the year with the obligatory dots after each of the day and the month (in the format DD.MM.YYYY). 16.Status of the leased safe deposit box (one character):
The following shall be entered:
− -“0” - active;
− -“1” - for the prohibition of disposing;
− -“2” - termination of the contract on safe deposit box, or the actual use of the safe deposit box; 17.Type of change (1 character):
The following shall be entered:

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 13 − - “0” - new leased safe deposit box; − -“1”- change of data, − -“9” - closed. 18.Name and surname of a natural person - resident or name and surname of a natural person - non-resident authorised to access the safe deposit box (up to 105 characters):
For a natural person - resident, the name and surname of that person from the personal identity card or passport. For a natural person - non-resident, the name and surname of that person from the passport or other appropriate personal identity document. 19.The unique master number of a natural person - resident, that is, the identification number from the personal identity card, passport or other appropriate personal identity document of a natural person - non-resident authorised to access the safe deposit box (up to 20 characters). 20.Type and number of the valid personal identity document for natural persons:

• code “1” – personal identity card or other appropriate personal identity
  document of the resident;
• code “2” - passport of the resident;
• code "3" – personal identity card or other appropriate personal identity
  document of the non-resident;
• code “4” - passport of the non-resident;
  The number, or the alphanumeric code from the personal identity document shall be entered. 21.Country of issuance of a valid identity document of a person authorised to access the safe deposit box (up to two characters):
  Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 22.Habitual residence and address of a natural person (up to 150 characters):
  For residents, habitual residence and address of the natural person shall be entered, For non-residents, address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable. Obligation to provide data
  Article 6
  Credit institutions shall submit data on opened transaction accounts, demand deposits and term deposits and leased safe deposit boxes, data on changes to these data and data on cancellation of transaction accounts, termination of deposits and termination of leases of safe deposit boxes to the Central Bank by means of a message in electronic form.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 14 Credit institutions shall be responsible for the accuracy of the data they submit in accordance with this Decision. Where the Central Bank determines that the information referred to in paragraph 1 of this Article contains an error, it shall notify the credit institution thereof by means of a message in electronic form. Messages referred to in paragraphs 1 and 3 of this Article shall be provided in Annex 1, which makes an integral part of this Decision. Confirmation of the receipt of data and the beginning of using the new transaction account
Article 7
The Central Bank shall deliver to the credit institution a confirmation that it has received the data on the transaction account and that these data are technically correct, by means of a message in electronic form. The Central Bank shall deliver to the credit institution a confirmation that it has received data on the transaction account, demand deposit and term deposit, or leased safe deposit box, by means of a message in electronic form. Messages referred to in paragraphs 1 and 2 of this Article shall be provided in Annex 2, which makes an integral part of this Decision. Payment transactions shall not be made through a new transaction account until the credit institution receives the confirmation referred to in paragraph 1 of this Article. Checking the consistency of data
Article 8
The Central Bank shall update the data in the Central Registry with the data provided by the credit institutions referred to in Article 6 paragraph 1 of this Decision. The Central Bank shall be responsible for the consistency of data in the Central Registry with the data submitted by the credit institutions referred to in Article 6 paragraph 1 of this Decision. Application
Article 9
The provisions of Articles 6 to 8 of this Decision shall also apply, in an appropriate manner, to transaction accounts that are opened, kept and terminated by the Central Bank for legal persons. Data access
Article 10
The data from the Central Registry that relate to data on transaction accounts of legal persons and entrepreneurs shall be published on the website of the Central Bank.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 15 The transaction account number and other data from the Central Registry relating to natural persons, data on demand deposits and term deposits and data on leased safe deposit boxes shall not be publicly available, except to the holder or a person authorised for the disposal of funds from the transaction account, the holder or a person authorised for the disposal of funds from a demand deposit or a term deposit and the lessee of the safe deposit box or a person authorised to access the safe deposit box, at their request, as well as to other persons in accordance with the law. The Central Bank shall, upon the request of the interested party, issue an overview of the information on requested transaction accounts referred to in paragraph 1 of this
Article.
The Central Bank may issue the overview of data referred to in paragraphs 2 and 3 of this Article in hard copy or electronic format in accordance with the request for submission of those information. Electronic access to data
Article 11
Public enforcement officers and other persons who, in accordance with the Law, have the right to access the data from the Central Registry that are not publicly available, may access those information electronically in accordance with the conditions and the manner determined by the user instruction of the Central Bank. The Central Bank shall publish the instruction referred to in paragraph 1 of this Article on its website. Treatment of transaction account data
Article 12
On the day of application of this Decision, the data on transaction accounts entered in the Central Registry of Transaction Accounts on the basis of the Decision on the Central Registry of Transaction Accounts (OGM 47/23) shall become the data of the Central Registry established in accordance with this Decision. Deadline for data submission
Article 13
Credit institutions shall submit additional data related to transaction accounts, data on demand deposits and term deposits and leased safe deposit boxes, which were opened or contracted before the start of application of this Decision, to the Central Bank to be entered into the Central Registry within eight days starting from the date of application of this Decision. Notwithstanding Article 6 of this Decision, credit institutions may submit data referred to in paragraph 1 of this Article in a special format determined by the Central Bank. Repealed regulation
Article 14

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 16 As from the commencement date of application of this Decision, the Decision on the Central Registry of Transaction Accounts (OGM 047/23) shall be repealed.
Article 15
This Decision shall enter into force on the eighth day following that of its publication in the Official Gazette of Montenegro, and it shall apply as of 1 November 2024. THE COUNCIL OF THE CENTRAL BANK OF MONTENEGRO Decision number: 0101-5825-3/2024 CHAIRPERSON Podgorica, 31 July 2024 GOVERNOR

Irena Radović, m.p.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 17
ANNEX 1

1. Characters defining the message format
   SWIFT field structure:
   Character Description Examples n Numeric field 18n – numeric field up to 18 characters ! Behind a number represents a fixed length determined by that number 18!n – field of fixed 18 numeric characters a Exclusively alphabetic field (capital letters) 4!a – exactly four alphabetic characters d Decimal field 15d – numeric field with two decimals up to 15 characters (12n,nn) x Alphabetic, numeric and sign field 35x – represents up to 35 alphabetic, numeric and sign characters c Alphabetic-numeric field 3c – field containing 3 alphabetic, 3 numeric or 3 alphabetic-numeric characters 335x First number determines the number of lines, and the second one the number of character per line 335x – 3 lines, each containing up to 35 characters [ ] Field in square brackets are optional [1!a] – in certain cases this field has fixed one character, otherwise it is left blank ----I Fields between these two signs may be repeated more than once Allowed characters in SWIFT are:
   a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0123456789 / - ? : ( ) . , + { }

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 18
2. SMT SWIFT messages for submitting information on transaction accounts in the
Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes
2.1. SMT 740 message
With SMT 740 message, credit institutions referred to in Article 6 of this Decision shall submit information on opened transaction accounts of legal persons, entrepreneurs and natural persons, their changes and cancelation of those accounts. Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 740 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 740. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person - resident Registration number or unique master number of an entrepreneur Unique master number of a natural person - resident 8n 8n or 13n 13n 20x Yes Yes For a legal person - resident, the registration number according to module 11 shall be entered. For an entrepreneur, the registration number according to module 11 shall be entered. For a natural person - resident, the registration number according to module 11 shall be entered.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 19 Identification number of a legal person or natural person - non￾resident In the case of joint account: registration numbers of legal persons, registration numbers or unique master numbers of entrepreneurs and unique master numbers of natural persons, as well as identification numbers of non￾residents – all holders of the joint account 139x For non-resident legal person, the number from the excerpt from the registry in which it is registered or the number from other valid document of incorporation shall be entered, and for non￾resident natural person, passport identification number or the number from other appropriate personal identity document of a natural person - non-resident shall be entered. Registration numbers or unique master numbers or identification numbers for joint account shall be entered in line and separated by comma 50 Tax identification number of a legal person or an entrepreneur 13n Yes For resident, tax identification number (TIN) of a legal person or an entrepreneur shall be entered as follows: for

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 20 In the case of joint account:
tax numbers of all legal persons and all entrepreneurs - holders of a joint account 139x Yes legal person - eight numeric characters, and for entrepreneurs - 13 numeric characters and the registration number according to module 11 shall be entered. For non-residents, where applicable, tax identification number (TIN) of a legal person shall be entered - eight characters. Tax numbers for joint account shall be entered in line and separated by comma. Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. 74005: Transaction account 1!x18!n or 1!x2!a2!n18!n Yes The number of a transaction account for executing national payment transactions or international payment transactions. Account number begins with symbol /. 74010:
The name of a legal person or an entrepreneur, or the name and last name of a natural person 105x Yes Full name For joint account, only data for a person that is first signatory at the request for opening of a joint account shall be entered.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 21 74015:
Municipality code

• of the resident
  3!x Yes The municipality code shall be entered from the Codebook of municipalities and territory of Montenegro determined by the competent authority. For joint account, only data for a person that is first signatory at the request for opening of a joint account shall be entered. 74020:
  A place where the head office of a legal person or an entrepreneur, or habitual residence of a natural person - resident is located or a place and state where the head office of a legal person or habitual residence of a natural person - non-resident is located 35x Yes For joint account, only data for a person that is first signatory at the request for opening of a joint account shall be entered. 74025: Address of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person - resident or address of the head office of a legal person or habitual residence of a natural person - non-resident 150x Yes For non-resident, where applicable, address of temporary residence of a natural person in Montenegro shall also be entered. For joint account, only data for a person that is first signatory at the request for opening of a joint account shall be entered. 74030: Designation of the transaction account holder 1!n Yes 0 - for legal person - resident 1 - for entrepreneur - resident

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 22 2 - for joint account 3 - for natural person - resident 4 - for legal person - non-resident 5 - for natural person - non-resident 74035: Activity code of a legal person or an entrepreneur￾resident, or business activity of a legal person - non-resident 5!x 35x Yes For joint account, only data for a person that is first signatory at the request for opening of a joint account shall be entered. For non-resident, the business activity - scope of operations from the excerpt from the registry in which it is registered or from other valid document of incorporation shall be entered. 74040: Date of change 10!x Yes Format: DD.MM.YYYY 74045: Status of a transaction account in the payment system 1!n Yes 0 - active account 1 – account being frozen for crediting 2 – account being frozen for debiting 3 – account being frozen for the enforced collection purposes 4 - cancelled account 5 - prohibition of disposing of funds 8 – temporarily inactive account 74050: Type of change: 1!n Yes 0 - new transaction account; 1 - change in data 9 - cancelled transaction account 74055: Contract number 35x Yes 74060: Contract date 10!x Yes Format: DD.MM.YYYY 74065: Transaction account activity 1!n Yes 0 – account subject to enforced collection

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 23 2 – account excluded from enforced collection 74070: Abbreviated name of a legal person or an entrepreneur 35x Yes For non-resident, where applicable, the abbreviated name of a legal person from the excerpt from the registry in which it is registered or from other valid document of incorporation. For joint account, only data for a person that is first signatory at the request for opening of a joint account shall be entered. 74071: Country of the head office of a legal person or an entrepreneur, or a country of habitual residence of a natural person - resident, or a country where the head office of a legal person or habitual residence of a natural person - non-resident is located. 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 74072: Type of the valid personal identity document for natural persons 1!n Yes code “1” – personal identity card or other appropriate personal identity document of the resident; code “2” - passport of the resident; code “3”- personal identity card or other appropriate personal identity document of the non-resident; code “4” - passport of the non-resident;

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 24 For residents, designation 1 or 2 shall be entered. For non￾residents, designation 3 or 4 shall be entered. 74073: Number of the valid personal identity document for natural persons 35x Yes Number of the personal identity document shall be entered 74074: Country of issuance of a valid personal identity document of the natural person 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. Field Message element Format Mandatory Note 80 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. --> 74080: Ordinal number of the syllable 9n Yes Ordinal number of the syllable 74081: Unique master number of a resident natural person, or an identification number from another appropriate personal identity document of a non￾resident natural person (authorised person) 13n 20x Yes For a natural person - resident, the registration number according to module 11 shall be entered. 74082: Name and surname of the person authorised to dispose of funds on the transaction account 105x Yes Name and surname of the authorised person shall be entered For a resident from personal identity card, passport or other appropriate personal identity document.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 25 For a non-resident from personal identity card, passport or other appropriate personal identity document. 74083: Type of the valid personal identity document for natural persons (authorised person) 1!n Yes code “1” – personal iedentity card or other appropriate personal identity document of the resident; code “2” - passport of the resident; code “3”- personal identity card or other appropriate personal identity document of the non-resident; code “4” - passport of the non-resident; For residents, designation 1 or 2 shall be entered. For non-residents, designation 3 or 4 shall be entered. 74084: Number of the valid personal identity document for natural persons 35x Yes Number of the personal identity document shall be entered 74085: Country of issuance of a valid personal identity document of the natural person (authorised person) 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 74086: Habitual residence and address of a natural person (authorised person) 150x Yes For residents, habitual residence and address of the natural person shall be entered, For non-residents, address of habitual residence and address of a natural person and temporary residence and

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 26 address of a natural person in Montenegro shall be entered, where applicable. -->
2.2. SMT 741 message
SMT 741 message shall notify the credit institutions referred to in Article 6 of this Decision on the existence of an error in submitted information. Analysis of SMT 740 message covers all submitted information and contains all detected errors (group message). First part of the message:
Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 741 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 741. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 21 Related reference 16x Yes TRN of SMT740 message to which this message relates. 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person
Registration number or unique master number of an entrepreneur 8n 8n or 13n 13n 20x Yes

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 27 Unique master number of a natural person - resident Identification number of a legal person or natural person - non￾resident In the case of joint account: registration numbers of legal persons, registration numbers or unique master numbers of entrepreneurs and unique master numbers of natural persons, as well as identification numbers of non￾residents – holders of the joint account 139x Registration numbers or unique master numbers or identification numbers for joint account shall be entered in line and separated by comma Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. --> 74110: Error ordinal number 2!n Yes 74120: Error description 42x Yes Text description of error -->

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 28
3. SMT SWIFT messages for submitting information on deposits in the Central
Registry of Transaction Accounts and Deposits and Safe Deposit Boxes
3.1. SMT 750 message
With SMT 750 message, credit institutions submit data on deposits of legal persons, entrepreneurs and natural persons and their changes. Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 750 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 750. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person
Registration number or unique master number of an entrepreneur Unique master number of a natural person - resident Identification number of a legal 8n 8n or 13n 13n 20x Yes For a legal person - resident, the registration number according to module 11 shall be entered. For an entrepreneur, the registration number according to module 11 shall be entered. For a natural person - resident, the registration number according to module 11 shall be entered. For non-resident legal person, the number from

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 29 person or natural person - non￾resident the excerpt from the registry in which it is registered or the number from other valid document of incorporation shall be entered, and for non￾resident natural person, personal identity card number, passport identification number or the number from other appropriate personal identity document of a natural person - non￾resident shall be entered. 50 Tax number of a legal person or an entrepreneur or legal person non￾resident who is deposit holder 13n 8x Yes Yes For resident, tax identification number (TIN) of a legal person or an entrepreneur shall be entered as follows: for legal person - eight numeric characters, and for entrepreneurs – 13 numeric characters and the registration number according to module 11 shall be entered. For non-residents, where applicable, tax identification number (TIN) of a legal person shall be entered - eight numeric characters. Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. 75005: Number of the account, or sub￾35x Yes

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 30 account where the deposit is kept from the cash deposit contract 75010:
The name of a legal person or an entrepreneur, or the name and last name of a natural person who is deposit holder 105x Yes Full name 75015:
Municipality code of the resident
3!x Yes The municipality code shall be entered from the Codebook of municipalities and territory of Montenegro determined by the competent authority. 75020:
A place where the head office of a legal person or an entrepreneur or habitual residence of a natural person - resident is located or a place where the head office of a legal person or habitual residence of a natural person - non-resident is located. 35x Yes For resident, the name of a place in Montenegro where the head office of a legal person or an entrepreneur is located, or the habitual residence of a natural person shall be entered. For non-resident, the name of a place and the state of the head office of a legal person, or the name of the state of habitual residence of a natural person shall be entered. 75025: Address of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person - resident address of the head office of a legal person or habitual residence 150x Yes For resident, address of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person shall be entered. For non-resident, address of the head office of a legal person or address of habitual

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 31 of a natural person - non-resident residence of a natural person and address of temporary residence of a natural person in Montenegro shall be entered, where applicable. 75030: Designation of the deposit holder 1!n Yes 0 - for legal person - resident 1 - for entrepreneur - resident 2 - for joint account 3 - for natural person - resident 4 - for legal person - non-resident 5 - for natural person - non-resident 75035: Type of deposit 1!n Yes 0- demand 1- term 75040: Date of change 10!x Yes Date format is:
‘DD.MM.YYYY’’
75045: Deposit status 1!n Yes 0-active
1 - prohibition of disposing of funds
2 - termination of the cash deposit contract 75050: Type of change: 1!n Yes 0 – new cash deposit contract 1 - change in data 9– termination of the cash deposit contract 75055: Contract number 18x Yes 75060: The date of contract on cash deposit 10!x Yes Date format is:
‘DD.MM.YYYY’’
75065: Currency symbol 3!x The three-letter code of the currency in accordance with the ISO 4217 international standard in which the funds are deposited shall be entered.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 32 75070: The time period for which the cash deposit contract is valid 3n Yes The number of months for which the deposit contract was concluded. 75071: Country of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person - resident, or a country where the head office of a legal person or habitual residence of a natural person - non-resident is located. 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 75072: Type of the valid personal identity document for natural persons 1!n Yes code “1” – personal identity card or other appropriate personal identity document of the resident; code “2” - passport of the resident; code “3”- personal identity card or other appropriate personal identity document of the non-resident; code “4” - passport of the non-resident; For residents, designation 1 or 2 shall be entered. For non-residents, designation 3 or 4 shall be entered. 75073: Number of the valid personal identity document for natural persons deposits holders 35x Yes Number of the personal identity document shall be entered 75074: Country of issuance of a valid personal 2x Yes Country code (two alphabetic characters)

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 33 identity document of the natural person which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 75075: The date of expiry of cash deposit contract 10!x No Date format is:
‘DD.MM.YYYY’’
75076: The date of opening the account, or sub￾account where the demand deposit or term deposit is kept; 10!x Yes Date format is:
‘DD.MM.YYYY’’
75077: The date of closing the account or sub￾account where the demand deposit or term deposit is kept; 10!x No Date format is:
‘DD.MM.YYYY’’
Field Message element Format Mandatory Note 80 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. --> 75080: Ordinal number of the syllable 9n Yes Ordinal number of the syllable 75081: Unique master number of a natural person - resident, or the identification number from personal identity card, passport, or another appropriate personal identity document of a non￾resident natural person 13n 20x Yes For a natural person - resident, the registration number according to module 11 shall be entered. 75082: Name and surname of the natural person authorised to dispose of funds from the deposit 105x Yes Name and surname of the authorised person shall be entered. For a resident name and surname from personal

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 34 identity card, passport or other appropriate personal identity document. For a non-resident persons from personal identity card, passport or other appropriate personal identity document. 75083: Type of the valid personal identity document for natural persons (authorised person) 1!n Yes code “1” – personal identity card or other appropriate personal identity document of the resident; code “2” - passport of the resident; code “3”- personal identity card or other appropriate personal identity document of the non-resident; code “4” - passport of the non-resident; For residents, designation 1 or 2 shall be entered. For non-residents, designation 3 or 4 shall be entered. 75084: Number of the valid personal identity document for natural persons 35x Yes Number of the personal identity document shall be entered 75085: The country that issued the valid personal identity document of the natural person (authorised person) 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 75086: Habitual residence and address of a natural person (authorised person) 150x Yes For residents, habitual residence and address of the natural person shall be entered,

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 35 For non-residents, address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable. -->
3.2. SMT 751 message
SMT 751 message shall notify the credit institutions referred to in Article 6 of this Decision on the existence of an error in submitted information. Analysis of SMT 750 message covers all submitted information and contains all detected errors (group message). First part of the message:
Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 751 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 751. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 21 Related reference 16x Yes TRN of SMT750 message to which this message relates. 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person
8n
8n or 13n
Yes For residents it has to be under module 11

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 36 Registration number or unique master number of an entrepreneur Unique master number of a natural person - resident Identification number of a legal person or natural person - non￾resident 13n 20x Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format do not have colon at the beginning. --> 75110: Error ordinal number 2!n Yes 75120: Error description 42x Yes Text description of error -->

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 37
4. SMT SWIFT messages for submitting information on safe deposit boxes in the
Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes
4.1. SMT 760 message
With SMT 760 message, credit institutions submit data on safe deposit boxes of legal persons, entrepreneurs and natural persons and their changes. Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 760 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 760. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person, user of the safe deposit box Registration number or unique master number of an entrepreneur, user of the safe deposit box Unique master number of a natural person - resident user of the safe deposit box 8n 8n or 13n 13n 20x Yes For a legal person - resident, the registration number according to module 11 shall be entered. For an entrepreneur, the registration number according to module 11 shall be entered. For a natural person - resident, the registration number according to module 11 shall be entered. For non-resident legal person, the number from the excerpt from the registry in which it is

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 38 Identification number of a legal person or natural person - non￾resident user of the safe deposit box registered or the number from other valid document of incorporation shall be entered, and for non￾resident natural person, personal identity card number, passport identification number or the number from other appropriate personal identity document of a natural person - non￾resident shall be entered. 50 Tax identification number (TIN) of the user of the safe deposit box:
13n
8n
Yes For resident, tax identification number (TIN) of a legal person or an entrepreneur shall be entered as follows: for legal person - eight numeric characters, and for entrepreneurs - 13 numeric characters and shall be accepted if satisfactory to the control according to module 11, For non-resident, where applicable, tax identification number (TIN) of a legal person shall be entered - eight numeric characters. Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. 76005: Safe deposit box number 35x Yes The number of the safe deposit box under which the safe deposit box is

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 39 kept at the credit institution. 76010:
The name of a legal person or an entrepreneur, or the name and last name of a natural person user of the safe deposit box 105x Yes Full name 76015:
Municipality code of the resident
3!x Yes The municipality code shall be entered from the Codebook of municipalities and territory of Montenegro determined by the competent authority. 76020:
A place where the head office of a legal person or an entrepreneur or habitual residence of a natural person - resident is located or a place and state where the head office of a legal person or habitual residence of a natural person - non-resident user of the safe deposit box is located. 35x Yes For resident, the name of a place in Montenegro where the head office of a legal person or an entrepreneur is located, or the habitual residence of a natural person shall be entered. For non-resident, the name of a place and the state of the head office of a legal person, or the name of the state of habitual residence of a natural person shall be entered. 76025: Address of the head office of a legal person or an entrepreneur, address of habitual residence of a natural person - resident address of the head office of a legal person or habitual residence of a natural person - 150x Yes For resident, address of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person shall be entered. For non-resident, address of the head office of a legal person or address of habitual residence of a natural person and address of

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 40 non-resident user of the safe deposit box temporary residence of a natural person in Montenegro shall be entered, where applicable. 76030: Designation of the person who leased the safe deposit box 1!n Yes 0 - for legal person - resident 1 - for entrepreneur - resident 3 - for natural person - resident 4 - for legal person - non-resident 5 - for natural person - non-resident 76040: Date of change 10!x Yes Date format is:
‘DD.MM.YYYY’’
76045: Status of the leased safe deposit box 1!n Yes 0-active 1 - prohibition of disposing of funds 2 - termination of the contract on safe deposit box, or the actual use of the safe deposit box 76050: Type of change: 1!n Yes 0 – new leased safe deposit box 1 - change in data 9 – closed 76060 Date of concluding the contract on leasing the safe deposit box 10!x Yes Date format is:
‘DD.MM.YYYY’’
76070: The time period for which the contract on leasing the safe deposit box is valid 3x Yes The number of months for which the contract on leasing the safe deposit box was concluded. 76071: Country of the head office of a legal person or an entrepreneur, or address of habitual residence of a natural person - resident, 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 41 or a country where the head office of a legal person or habitual residence of a natural person - non-resident user of the safe deposit box is located 76072: Type of the valid personal identity document for natural persons user of the safe deposit box 1!n Yes code “1” – personal identity card or other appropriate personal identity document of the resident; code “2” - passport of the resident; code “3”- personal identity card or other appropriate personal identity document of the non-resident; code “4” - passport of the non-resident; For residents, designation 1 or 2 shall be entered. For non-residents, designation 3 or 4 shall be entered. 76073: Number of the valid personal identity document for natural persons user of the safe deposit box 35x Yes Number of the personal identity document shall be entered 76074: Country of issuance of a valid personal identity document of the natural person 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 76075: The date of expiry of the contract on leasing the safe deposit box 10!x No Date format is:
‘DD.MM.YYYY’’

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 42 Field Message element Format Mandatory Note 80 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. --> 76080: Ordinal number of the syllable 9n Yes Ordinal number of the syllable 76081: Unique master number of a resident natural person, or identification number from another appropriate personal identity document of a non￾resident natural person authorised to access the safe deposit box 13n 20x Yes For a natural person - resident, the registration number according to module 11 shall be entered. 76082: Name and surname of a natural person authorised to access the safe deposit box 105x Yes Name and surname of the person authorised to access the safe deposit box For a resident from personal identity card, passport or other appropriate personal identity document. For a non-resident from personal identity card, passport or other appropriate personal identity document 76083: Type of the valid personal identity document (authorised person) 1!n Yes code “1” – personal identity card or other appropriate personal identity document of the resident; code “2” - passport of the resident; code “3”- personal identity card or other appropriate personal

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 43 identity document of the non-resident; code “4” - passport of the non-resident; For residents, designation 1 or 2 shall be entered. For non-residents, designation 3 or 4 shall be entered. 76084: Number of the valid personal identity document 35x Yes Number of the personal identity document shall be entered 76085: Country of issuance of a valid identity document of a person authorised to access the safe deposit box 2x Yes Country code (two alphabetic characters) which represents a unique identification sign, defined by the ISO 3166-1 standard shall be entered. 76086: Habitual residence and address of a natural person (authorised person) 150x Yes For residents, habitual residence and address of the natural person shall be entered, For non-residents, address of habitual residence and address of a natural person and temporary residence and address of a natural person in Montenegro shall be entered, where applicable. -->

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 44
4.2. SMT 761 message
SMT 761 message shall notify the credit institutions referred to in Article 6 of this Decision on the existence of an error in submitted information. Analysis of SMT 760 message covers all submitted information and contains all detected errors (group message). First part of the message:
Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 761 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 761. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 21 Related reference 16x Yes TRN of SMT760 message to which this message relates. 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person
Registration number or unique master number of an entrepreneur Unique master number of a natural person - resident Identification number of a legal person or natural 8n 8n or 13n 13n 20x Yes For residents it has to be under module 11

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 45 person - non￾resident Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. --> 76110: Error ordinal number 2!n Yes 76120: Error description 42x Yes Text description of error -->

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 46
ANNEX 2
SMT 742 message
With SMT 742 message, the Central Bank shall notify the credit institutions referred to in
Article 6 of this Decision that the received information are technically correct and that the
transaction account of a legal person, an entrepreneur or a natural person may be used in the payment system. First part of the message:
Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 742 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 742. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 21 Related reference 16x Yes TRN of SMT740 message to which this message relates. 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person
Registration number or unique master number of an entrepreneur Unique master number of a natural person - resident Identification number of a legal person or natural 8n 8n or 13n 13n 20x 139x Yes

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 47 person - non￾resident In the case of joint account: registration numbers of legal persons, registration numbers or unique master numbers of entrepreneurs and unique master numbers of natural persons, as well as identification numbers of non￾residents – holders of the joint account Registration numbers or unique master numbers or identification numbers for joint account shall be entered in line and separated by comma Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. 74210: Validity confirmation 2!n Yes Fixed “OK”

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 48 SMT 752 message With SMT 752 message, the Central Bank shall notify the credit institutions referred to in
Article 6 of this Decision that the received information are technically correct and that the
data on the deposit of a legal person, an entrepreneur or a natural person have been recorded. First part of the message:
Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 752 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 752. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 21 Related reference 16x Yes TRN of SMT750 message to which this message relates. 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person
Registration number or unique master number of an entrepreneur Unique master number of a natural person - resident Identification number of a legal person or natural person - non￾resident 8n 8n or 13n 13n 20x Yes For residents, the registration number according to module 11 shall be entered.

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 49 Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. 75210: Validity confirmation 2!n Yes Fixed “OK”

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 50 SMT 762 message With SMT 762 message, the Central Bank shall notify the payment service providers referred to in Article 4 of this Decision that the received information are technically correct and that the data on the safe deposit box of a legal person, an entrepreneur or a natural person have been recorded. First part of the message:
Field Message element Format Mandatory Note 20 Reference 16x Yes TRN message SMT 762 12 Message subtype 3!n Yes Subtype of a message of its own format contained in the message envelope, this being SMT 762. 77E Content of message envelope matching the given message subtype of its own format Yes Content of envelope in the message of its own format make only beforehand standardised fields as per the instruction 59A BIC of the recipient 4!a2!a2!c[3!c] Yes 54A BIC of the sender 4!a2!a2!c[3!c] Yes 21 Related reference 16x Yes TRN of SMT760 message to which this message relates. 30 Transmission date 17!x Yes Date format is:
‘’YYYYYMMDD
HH:MM:SS’’
40 Registration number of a legal person
Registration number or unique master number of an entrepreneur Unique master number of a natural person - resident Identification number of a legal person or natural person - non￾resident 8n 8n or 13n 13n 20x Yes For residents it has to be under module 11

__________________________________________________________________[unofficial translation] _____________________________________________________________________________________________ Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes (OGM 78/24) 51 Second part of the message Field Message element Format Mandatory Note 79 Field of its own format Yes Only dash is mandatory in this line; fields of its own format have colon at the beginning. 76210: Validity confirmation 2!n Yes Fixed “OK”