2020 - YEAR OF GENERAL MANUEL BELGRANO

COMMUNICATION “A” 7092
27/08/2020

TO FINANCIAL INSTITUTIONS,
TO FOREIGN EXCHANGE OPERATORS,
TO NON-FINANCIAL CREDIT CARD ISSUING COMPANIES, TO ELECTRONIC CLEARING HOUSES, TO AUTOMATED TELLER MACHINE NETWORK ADMINISTERING COMPANIES, TO OTHER NON-FINANCIAL CREDIT PROVIDERS, TO NON-FINANCIAL PURCHASE CARD ISSUING COMPANIES, TO SECURITIES TRANSPORT COMPANIES, TO FINANCIAL MARKET INFRASTRUCTURES:

Ref.: Circular
REMON 1 - 1026
OPASI 2 - 614
SERVI 1 - 73
RUNOR 1 - 1595
SINAP 1 - 112
OPRAC 1 - 1057

Financial services within the framework of the health emergency declared by Decree No. 260/2020 CORONAVIRUS (COVID-19). Minimum cash. Time deposits and investments. Update .

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We address you to send you the pages that, in replacement of those previously provided, must be incorporated into the reference regulations based on the provisions disseminated through Communication “A” 7082.

Likewise, in point 1.3.16. of the regulations on “Minimum cash” a clarification is incorporated referring to the fact that the requirement of the accounts of the “Fondo de Cese Laboral para los Trabajadores de la Industria de la Construcción” (point 3.1. of the regulations on “Savings deposits, salary account and special accounts”) may be integrated in its entirety with LELIQ.

It is noted that on the page of this Institution www.bcra.gob.ar, accessing “Sistema Financiero – MARCO LEGAL Y NORMATIVO – Ordenamiento y resúmenes – Textos ordenados de normativa general”, the modifications made will be found with texts highlighted in special characters (strikethrough and bold)

We greet you attentively.

CENTRAL BANK OF THE ARGENTINE REPUBLIC

Matías A. Gutiérrez Girault
Issuance Manager of Regulations
Darío C. Stefanelli
Principal Manager of Issuance and
Regulatory Applications

ANNEX

WITH COPY TO EXTRA-BANKING COLLECTION COMPANIES

FINANCIAL SERVICES WITHIN THE FRAMEWORK OF THE HEALTH EMERGENCY B.C.R.A. DECLARED BY DECREE No. 260/2020 CORONAVIRUS (COVID-19)
Section 2. Other provisions.

2.1. Credit assistance from financial institutions.

2.1.1. Refinancings.

2.1.1.1. Of unpaid credit card balances.

Balances that are unpaid between 13.4.2020 and 30.4.2020 must be automatically refinanced for a minimum term of one year with a 3-month grace period in 9 equal and consecutive monthly installments, and may only accrue compensatory interest, and no other surcharge, which may not exceed that established in point 2.1.1. of the regulations on “Interest rates in credit operations”.

Those refinanced balances may be prepaid, in whole or in part, at any time and at no cost –except for the compensatory interest accrued up to the prepayment– when the client requests it.

2.1.1.2. Of the rest of the financings.

Institutions must incorporate the unpaid installments corresponding to maturities occurring between 1.4.2020 and 30.9.2020 starting from the month following the end of the life of the credit, inclusive, considering the accrual of the compensatory interest rate.

In the case of mortgage loans on single homes and pledge loans updated by UVA, the client may opt for this scheme or for the one provided in Decree No. 319/2020.

Credit assistance granted to the financial sector is excluded from this point.

2.1.2. Zero-rate credit and zero-rate culture credit.

Financial institutions must grant the peso financings “Crédito a Tasa Cero” and “Crédito a Tasa Cero Cultura” provided for in Decree No. 332/2020 (and amendments) to all clients who request them.

For the purposes of verifying who is eligible, for up to what amount and at which institution, institutions must only consult the list of beneficiaries made known by AFIP. In addition, for the “Crédito a Tasa Cero Cultura” the applicant must not have accessed the “Créditos a Tasa Cero”.

From the moment the application is submitted, the financial institution will have up to 2 business days to proceed with the crediting of the financing.

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Section 2. Other provisions.

These financings must be credited to the credit card –issued by the institution– of the applicant for the financing; all financial institutions must allow these clients to request the “Créditos a Tasa Cero” and “Créditos a Tasa Cero Cultura” through Internet banking –“homebanking”–. If the applicant does not have a credit card, the financial institution listed in the AFIP list must:

• issue a credit card with a purchase limit at least equal to the financing credited, and no cost may be charged for the issuance of that card or for its maintenance, except in the latter case where the client makes purchases for amounts exceeding the credited amount or, once the financing is paid off, wishes to keep the card; or

• proceed to open a “Demand account for purchases in stores” – point 3.9. of the rules on “Savings deposits, salary account and special accounts” –;

• keep the product active – credit card or demand account for purchases in stores – until the total cancellation of the “Zero Rate Credit” or “Zero Rate Culture Credit”, unless the client expressly requests cancellation;

• allow these clients to process this application entirely through the use of electronic communication mechanisms.

When the institution must issue the card to the client, it must arrange the means to prioritize its delivery in the shortest possible time.

The financing must be disbursed in three equal and consecutive monthly credits; the available credit limit will be increased by the amount of each credit. From the moment of the first credit and until the total cancellation of the “Zero Rate Credit” or “Zero Rate Culture Credit”, the possibility of obtaining cash advances with the card will be prohibited.

In each of those credits, the amount equivalent to the payment of the total sums that must be paid for the resulting monthly periods as integrated tax and pension contributions payable by taxpayers adhering to the Simplified Regime for Small Taxpayers or mandatory pension contributions of the self-employed workers regime will be added. The referred amount will be withheld and deposited by the financial institution in the AFIP.

The “Zero rate credit” will have a grace period of 6 months from the first credit. From the following month, it will be repaid in at least 12 equal and consecutive monthly installments.

The “Zero rate culture credit” will have a grace period of 12 months from its first credit. From the thirteenth month, it will be repaid in at least 12 equal and consecutive monthly installments.

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FINANCIAL SERVICES IN THE FRAMEWORK OF THE HEALTH EMERGENCY B.C.R.A. ORDERED BY DECREE N°260/2020 CORONAVIRUS (COVID-19)
Section 2. Other provisions.

In the event of partial payment of the settled credit card balance, the funds received by the financial institutions must be applied first to the cancellation of these installments.

The corresponding account statement must report the collection of each installment as a separate and duly identified concept.

The interest rate that FONDEP will recognize to financial institutions, as provided in article 9°bis of Decree N°332/2020, will be 15 % nominal annual on the balances of the disbursed financings.

2.1.3. Financings to MSMEs.

The financial institutions covered by the first paragraph of point 8.3. of the rules on “Spot and forward operations, repos, collateral, other derivatives and with mutual investment funds” must grant financings to MSMEs – according to the definition contained in the rules on “Determination of the condition of micro, small or medium enterprise” – that are not reported in the “Central de deudores del sistema financiero”, at a nominal annual interest rate of up to 24 %, when they are presented with a FOGAR guarantee, for the amount covered by said guarantee.

The BCRA, through the site https://www3.bcra.gob.ar, makes available to financial institutions the list of MSMEs provided by the Ministry of Productive Development of the Nation, without prejudice to which financial institutions may include others as long as they meet the requirements provided in the rules on “Determination of the condition of micro, small or medium enterprise”.

2.1.4. Subsidized Rate Credits for Companies.

Financial institutions must grant the “Subsidized Rate Credits for Companies” provided in Decree N° 332/2020 (and amendments) to all companies that request them, provided they are included in the list of beneficiaries to be published by the Federal Administration of Public Revenues (AFIP).

These financings will be in pesos and must be credited to the salary accounts – Section 2. of the rules on “Savings deposits, salary account and special accounts” – of their workers; this credit may be made directly or indirectly – with credit to the company's account, for subsequent debit to the salary accounts –. If the worker does not hold any salary account, the financial institution must proceed to open one.

From the moment the application is received, the financial institution will have up to 5 business days to proceed with the crediting of the financing.

The interest rate will be determined based on the positive nominal year-on-year variation in the company's billing with respect to the same period of the previous year based on the aforementioned list:

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FINANCIAL SERVICES IN THE FRAMEWORK OF THE HEALTH EMERGENCY B.C.R.A. ORDERED BY DECREE N°260/2020 CORONAVIRUS (COVID-19)
Section 2. Other provisions.

positive nominal year-on-year variation in billing	interest rate – nominal annual –
from 0 % to 10 %	0 %
more than 10 % up to 20 %	7,5 %
more than 20 % up to 30 %	15 %

The financing will have a grace period of 3 months from its credit. From the fourth month, it will be repaid in at least 12 equal and consecutive monthly installments.

The interest rate that FONDEP will recognize to financial entities will be the difference between 15% nominal annual and the interest rate that, in accordance with the provisions of the preceding table, the debtor will pay, and will be applied to the balances of the disbursed financings.

Unpaid balances corresponding to maturities occurring from 1.4.2020 to 30.9.2020 may only accrue compensatory interest at the rate contractually provided for.

2.2. Operations with the BCRA.

The BCRA will guarantee the operation through SIOPEL of wholesale foreign exchange operations and the auctions of BCRA Liquidity Bills.

2.3. National payment system.

The electronic clearing houses, the Electronic Payment Medium, the ATM and electronic funds transfer networks, credit and debit card administrators, acquirers and processors of electronic payment means, payment service providers, as well as their related service providers and any other market infrastructure necessary for the normal provision of services by financial entities and payment systems must remain operational.

2.4. Capital market.

Remote operation of the exchanges and markets authorized by the CNV, the Caja de Valores and the market agents registered with the CNV will be allowed.

Version: 1st. COMMUNICATION “A” 7092
Vigencia:
07/08/2020
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B.C.R.A.

ORIGIN OF THE PROVISIONS CONTAINED IN THE RULES ON “FINANCIAL SERVICES IN THE FRAMEWORK OF THE HEALTH EMERGENCY DECLARED BY DECREE N°260/2020 CORONAVIRUS (COVID-19)”

CONSOLIDATED TEXT			SOURCE RULE			OBSERVATIONS
Section	Point	Paragraph	Com.	Cap.	Point Paragraph
1.	1.1.	1st	"A" 6942		2.	According to Com. "A" 6949, 6951 6953, 6954, 6956, 6958, 6982 and "C" 86999.
	1.1.1.1.		"A" 6933			According to Com. "A" 6949, 6958, 6982 and 7025.
	1.1.1.2.		"A" 7067			According to Com. "A" 7084 and 7088.
	1.1.1.3.		"A" 6958		1.	According to Com. "A" 6982, 7017 and 7028.
	1.1.2.		"A" 6944		3.	According to Com. "A" 6958, 6982 and 7025. Decreto N° 605/2020, artículo 6°.
	1.1.3.1.		"A" 6944		1.	According to Com. "A" 6949, 6982 and 7025.
	1.1.3.2.		"A" 6942		2.1.	According to Com. "A" 6944 and 7025.
	1.1.3.3.		"A" 6942		2.2.	According to Com. "A" 7025.
	1.1.3.4.		"A" 6948		7.	According to Com. "A" 7084.
	1.1.3.5.		"A" 6949		6.
	1.2.		"A" 6958		2.	According to Com. "A" 6982.
	1.3.		"A" 6942		1.	According to Com. "A" 6949 and 6958.
	1.4.		"A" 6977			According to Com. "A" 7025. Decreto N°605/2020, artículo 6°.
2.	2.1.	último	"A" 6949		4.	1er According to Com. "A" 7025, 7044 and 7056.
	2.1.1.1.		"A" 6942		3.	According to Com. "A" 6949, 6964 and 7025. Includes interpretive clarification.
	2.1.1.2.		"A" 6942		3.	According to Com. "A" 6949, 7025, 7044 and 7056.
	2.1.2.		"A" 6993		1.	According to Com. "A" 7082 and 7092.
	2.1.3.	1er	"A" 7006		3.	According to Com. "A" 7054.
		2do	"A" 7006		7.	According to Com. "B" 12009.
	2.1.4.		"A" 7082		1.	According to Com. "A" 7092.
	2.2.		"A" 6942		6.	According to Com. "A" 6949 and 7025.
	2.3.		"A" 6942		7.	According to Com. "A" 6949 and 7025. Decreto N° 297/2020, artículo 6º.
	2.4.		"A" 6942		8.	According to Com. "A" 6949 and 7025. Decreto N° 297/2020, artículo 6º.
3.			"B" 11992

MINIMUM CASH B.C.R.A.
Section 1. Requirement.

	Rates in %
Concept	Group "A" and G-SIB not included in that group	Remaining entities
1.3.11. Labor Cessation Fund for Construction Industry Workers in UVA.	7	7
1.3.12. Deposits and time investments made in the name of minors with funds received free of charge.	0	0
1.3.13. Demand deposits in pesos constituting the assets of money market mutual funds ("money market").	0	0

1.3.14. In the case of transactions in pesos, when the locality in which the operating office where they are made is located, in accordance with the provisions of the rules on "Categorization of localities for financial entities", belongs to categories II to VI, the rates provided for demand placements shall be reduced by 2 percentage points and for time placements by 1 percentage point up to a minimum of zero (including point 1.3.11.). In both cases, it does not include deposits in securities. Time deposits in pesos arranged remotely (e.g. by "home banking", web time deposit, etc.) shall receive the same treatment as those captured in categories II to VI.

1.3.15. Financial entities included in Group "A" and branches or subsidiaries of G-SIB not included in that group may integrate the peso requirement –for the period and daily– with "National Treasury Bonds in pesos at fixed rate due November 2020" and/or "National Treasury Bonds in pesos at fixed rate due May 2022" up to:

a) 5 percentage points of the rates provided in points 1.3.1., 1.3.2.1., 1.3.3. and 1.3.9. and in subsections i) and ii) of points 1.3.5.1. and 1.3.7.1.

b) 2 percentage points of the rates provided in subsection iii) of points 1.3.5.1. and 1.3.7.1.

1.3.16. Financial entities may integrate the peso requirement –for the period and daily– with BCRA Liquidity Bills (LELIQ) and/or BCRA Notes (NOBAC) as follows:

1.3.16.1. Time fixed deposits and time investments made by holders of the non-financial private and non-financial public sectors, and those provided in point 1.3.11.: the entire requirement, except for the maximum proportion admitted for integration in "National Treasury Bonds in pesos at fixed rate" (point 1.3.15.).

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Effective date:
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1.3.16.2. Time investments with variable remuneration made by clients with agricultural activity in accordance with point 2.5.2.2. of the rules on "Deposits and time investments"–: the entire requirement.

1.3.16.3. Other placements.

i. Entities included in Group "A" and branches or subsidiaries of G-SIB not included in that group:

a) up to 16 percentage points of the rate provided in subsection i) of point 1.3.5.1.;

b) up to 13 percentage points of the rate provided in subsection ii) of point 1.3.5.1.;

c) up to 3 percentage points of the rates provided in subsections i) to iii) of point 1.3.10.; and

d) up to 2 percentage points of the rate provided in subsection iii) of point 1.3.5.1.

ii. Entities not included in the preceding subsection:

a) up to 3 percentage points of the rates provided in subsections i) and ii) of point 1.3.5.1., and in subsections i) to iii) of point 1.3.10.; and

b) up to 2 percentage points of the rate provided in subsection iii) of point 1.3.5.1.

To be admitted the integration with "National Treasury Bonds in pesos at fixed rate due November 2020", "National Treasury Bonds in pesos at fixed rate due May 2022", LELIQ and/or NOBAC as provided in points 1.3.7.1., 1.3.15. and 1.3.16., they must be valued at market prices and be deposited in Subaccount 60 minimum cash enabled in the Central Registry and Settlement of Public Debt Instruments, Monetary Regulation and Financial Trusts (CRyL).

1.4. Residual term.

1.4.1. Determination.

1.4.1.1. General case.

The residual term of each time obligation is equivalent to the number of days remaining until its maturity.

1.4.1.2. Time investments.

In the cases of time investments, the following criteria shall apply:

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This deduction may not exceed 4% of the peso concepts subject to requirement on average, of the month prior to the computation, being extended up to 6% in the case of the following financings agreed from 1.7.2020:

− clients that received the assistances provided in point 1.5.5.1., up to the total amount equivalent to the monthly payroll (excluding bonus) to be paid by the applicant; and

− clients that have not received this special assistance, in accordance with the destinations admitted in this point.

1.5.6. Special within the framework of Decree No. 332/2020 (and amendments).

The requirement shall be reduced by an amount equivalent to 60% of the sum of the "Zero Rate Credits", "Subsidized Rate Credits for Companies" and "Zero Rate Culture Credits" agreed within the framework of Decree No. 332/2020 (and amendments).

Its average monthly balance in the period prior to the computation of the requirement shall be considered.

1.5.7. Financings to MSMEs not reported in the "Central de deudores del sistema financiero".

The requirement shall be reduced by an amount equivalent to 40% of the peso financings to MSMEs –in accordance with the definition contained in the rules on "Determination of the condition of micro, small or medium enterprise"– that are agreed at a nominal annual interest rate of up to 24%, measured in monthly average of daily balances of the previous month, provided that said MSMEs are not reported in the "Central de deudores del sistema financiero" administered by the BCRA.

Financings granted to other financial institutions and to non-financial credit providers –registered in the corresponding registries authorized by the SEFyC– may be included in that sum, provided that: i) within 3 business days from the date on which they receive the assistance, those entities allocate the funds to granting financings to MSMEs under the conditions of this point and ii) they have a special external auditor's report –registered in the "Registro de auditores" of the SEFyC–, which complies with the provisions of point 1.5.4.

The financings counted for the deduction of points 1.5.1. and 1.5.4. to 1.5.7. may only be counted in one of the aforementioned points.

1.6. One-time increases in requirements due to liability concentration.

When an excessive concentration of liabilities is verified (in holders and/or terms), which implies a significant risk with respect to the individual liquidity of the financial institution and/or has a significant negative effect on systemic liquidity, additional minimum cash requirements may be set on the included liabilities of the financial institution and/or those complementary measures deemed pertinent.

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Effective date:
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MINIMUM CASH

CONSOLIDATED TEXT			SOURCE RULE					OBSERVATIONS
Sec.	Point	Para.	Com.	Annex	Sec.	Point	Para.
1.	1.3.8.		"A" 4360			2.		According to Com. "A" 5356 and 6616.
	1.3.9.		"A" 4754			6.		According to Com. "A" 5356, 5980, 6195, 6526, 6532, 6616 and 6728.
	1.3.10.		"A" 5945			4.		According to Com. "A" 6069, 6204 and 6616.
	1.3.11.		"A" 6341					According to Com. "A" 6616.
	1.3.12.		"A" 6069			4.		According to Com. "A" 6616.
	1.3.13.		"A" 6992
	1.3.14.		"A" 5356			1.		According to Com. "A" 6616 and 6706.
	1.3.15.		"A" 6526					According to Com. "A" 6532, 6550, 6587, 6616, 6706 and 7016.
	1.3.16.		"A" 6550					According to Com. "A" 6556, 6559, 6575, 6587, 6616, 6706, 6738, 6740, 6817, 7018, 7029, 7047 and 7092. Includes interpretive clarification.
	1.3.	Last	"A" 6526					According to Com. "A" 6532, 6556, 6569, 6575, 6587, 6616, 6628, 6740 and 7016.
	1.4.		"A" 3905			3.		According to Com. "A" 4179, 4449, 4473, 5671, 5740, 6232, 6349, 6719, 6871 and 7046.
	1.5.		"A" 5356			2.		According to Com. "A" 5471.
	1.5.1.		"A" 5356			2.		According to Com. "A" 5471, 5623, 6531, 6703 and 6705.
	1.5.2.		"A" 5631			1.		According to Com. "A" 5638, 6217, 6531, 6857, 6910 and 6937.
	1.5.3.		"A" 6740			1.
	1.5.4.		"A" 6858			1.		According to Com. "A" 6901 and 6907.
	1.5.5.		"A" 6937			2.		According to Com. "A" 6943 and 7054.
	1.5.6.		"A" 6993			2.		According to Com. "A" 7082.
	1.5.7.		"A" 7006			2.
	1.5.	last	"A" 6858			2.		According to Com. "A" 6965, 6993 and 7006.
	1.6.		"A" 3274	II	1.	1.5.		According to Com. "A" 3498.
	1.7.		"A" 3274	II	1.	1.6.
	1.7.1.		"A" 3274	II	1.	1.6.1.		According to Com. "A" 4405, 4449, 6349, 6719 and 7046.
	1.7.2.		"A" 3274	II	1.	1.6.2.		According to Com. "A" 3304, 4449, 6349 and 6719.
	1.8.		"A" 3498	sole	1.	1.8.		According to Com. “A” 4147, 6537 and 7003.
	1.9.		“A” 5380					According to Com. “A” 5449, 5516, 5600, 5654 and 5771. Includes interpretive clarification.
2.	2.1.		“A” 3274	II	2.	2.1.		According to Com. “A” 3498, 3597, 4716, 4815, 6288, 6763 and “B” 9186.

TIME DEPOSITS AND INVESTMENTS B.C.R.A.
Section 1. Fixed term.

ii) 79 % of the simple average of the rates of the shortest-term LELIQ auctions in pesos of the week prior to that in which the deposits are made, for deposits not included in the preceding subparagraph i).

1.11.1.2. Remaining financial institutions: the minimum nominal annual rate shall be 70 % of the simple average of the rates of the shortest-term LELIQ auctions in pesos of the week prior to that in which the deposits are made.

These institutions may choose to observe the minimum passive rates of subparagraph i) and/or subparagraph ii) of point 1.11.1.1. The decision to exercise each option must be adopted by the highest officer responsible for managing the institution's liquidity policy or by its Board of Directors or equivalent authority, implemented within the first 5 business days of the month and notified to the Superintendency of Financial and Exchange Institutions (SEFyC).

For these purposes, the renewals of these deposits shall be considered as new transactions.

Clients that are debtors of the financings provided for in points 1.5.5. (financings within the framework of the health emergency established by Decree No. 260/2020 at a rate of up to 24 %) and/or 1.5.7. (financings at a rate of up to 24 % to MSMEs not reported in the “Central de deudores del sistema financiero”) of the rules on “Minimum Cash” and/or 2.1.4. of the rules on “Financial services within the framework of the health emergency established by Decree No. 260/2020 Coronavirus (COVID-19)” are excluded from the minimum passive rate regime. For this purpose, financial institutions must request a sworn statement from depositors when the deposited capital exceeds $ 1 million.

1.11.2. Deposits with variable interest clauses.

1.11.2.1. Basic remuneration.

It shall be equivalent to:

i) The interest rate arising from any of the following surveys prepared and published daily by the BCRA through the respective Communication “C”:

a) Fixed-term deposits.

b) Fixed-term deposits of 30 to 35 days' term and of more than one million pesos or dollars (“BADLAR”).

c) Accepted among private banks (“BAIBAR”).

ii) LIBOR for the 30-day or longer segments.

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Effective date:
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TIME DEPOSITS AND INVESTMENTS

CONSOLIDATED TEXT			SOURCE RULE					OBSERVATIONS
Sec.	Point	Parr.	Com.	Annex	Chap.	Sec.	Point	Parr.
	1.6.2.2.	1st	“A” 1913					2nd	S/Com. “A” 4809.
		2nd a	“A” 3323
		4th
	1.7.1.		“A” 1653		I		3.4.2.	2nd
			"A" 1913				2.
	1.7.2.		"A" 3043
	1.8.1.		"A" 1199		I		3.
	1.8.2.		"A" 1820	I			3.2.	2°	S/Com. "A" 3293, 3527, 3682 (item 10.), 3827 (item 9.) and 4140.
	1.8.3.		"A" 1820	I			3.2.	1°
	1.8.4.		"A" 1465	I			2.		S/Com. "A" 4716 and "B" 9186.
		i)	"A" 2275				2.	1°
		ii)	"A" 2275				2.1.		According to Com. "A" 6327.
		iii)	"A" 2275				2.1.		According to Com. "A" 6327.
	1.9.		"A" 3660						S/Com. "A" 3827 (item 9.), 5945 and 6069.
	1.9.1.		"A" 3660						S/Com. "A" 3827 (item 9.), 5945 and 6069.
	1.9.2.		"A" 6069				1.
	1.9.	last.	"A" 5945				1.		S/Com. "A" 6069.
	1.10.		"A" 4874				2.
1.	1.11.1.		"A" 1465		I		2.1.2.		S/Com. "A" 3660, 5640, 5651, 5654, 5659, 5781, 5786, 5849, 5853, 6980, 7000, 7018, 7027, 7078, 7082 and 7091.
			"A" 1653		I		3.1.1.2.
			“A” 1820		I		3.3.1.2.
							3.4.
	1.11.2.1.		“A” 2188				2.1.	1°	S/Com. “A” 2962 (pto. 2.1.), 3660, 4543, 4654 and 5257.
	1.11.2.2.		“A” 2188				2.1.	2°	S/Com. “A” 2962 (pto. 2.2.), 3660 and 4543.
	1.11.2.3.		“A” 2188				2.3.		S/Com. “A” 2962 (pto. 2.2.), 3660, 4543 and 4654.
	1.11.3.		“A” 3660						S/Com. “A” 5945 and 6069.
	1.11.4.		“A” 4874				3.
	1.11.5.	1°	“A” 1199		I		5.3.2.		S/Com. “A” 3660.
	1.11.5.1.		“A” 1465		I		2.1.2.	2°	S/Com. “A” 3660.
	1.11.5.2.		“A” 3660						S/Com. “A” 5945 and 6069.
	1.11.6.		“A” 3043						S/Com. “A” 6575 and 6587. Includes interpretive clarification.
	1.11.6.1.		“A” 1199		I		5.3.2.		S/Com. “A” 3660 and 6575.
	1.11.6.2.		“A” 2482				2.		S/Com. “A” 3660 and 6575.
	1.11.6.3.		“A” 4874				4.
	1.12.1.1.		“A” 1653		I		3.1.1.1.		S/Com. “A” 3485, 3527, 3660, 3682 (pto. 11.), 3827 (pto. 9.) and 4032.
			“A” 1820				3.3.
			“A” 2061				1.1.1.
	1.12.1.2.		“A” 1465				2.1.1.		S/Com. “A” 3660.
			“A” 1603				5.
			“A” 2275				2.