PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of September 20, 2017 No. 600-P

About representation by credit institutions on requests of Federal Service for Financial Monitoring of information on transactions of clients, about beneficial owners of clients and information on movement of means on accounts (deposits) of clients

This Provision based on the subitem 5 of Item 1 of article 7 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing" (The Russian Federation Code, 2001, No. 33, Art. 3418; 2002, No. 30, Art. 3029; No. 44, Art. 4296; 2004, No. 31, Art. 3224; 2005, No. 47, Art. 4828; 2006, No. 31, Art. 3446, Art. 3452; 2007, No. 16, Art. 1831; No. 31, Art. 3993, Art. 4011; No. 49, Art. 6036; 2009, No. 23, Art. 2776; No. 29, Art. 3600; 2010, No. 28, Art. 3553; No. 30, Art. 4007; No. 31, Art. 4166; 2011, No. 27, Art. 3873; No. 46, Art. 6406; 2012, No. 30, Art. 4172; No. 50, Art. 6954; 2013, No. 19, Art. 2329; No. 26, Art. 3207; No. 44, Art. 5641; No. 52, Art. 6968; 2014, No. 19, Art. 2311, Art. 2315, Art. 2335; No. 23, Art. 2934; No. 30, Art. 4214, Art. 4219; 2015, No. 1, Art. 14, Art. 37, Art. 58; No. 18, Art. 2614; No. 24, Art. 3367; No. 27, Art. 3945, Art. 3950, Art. 4001; 2016, No. 1, Art. 11, Art. 23, Art. 27, Art. 43, Art. 44; No. 26, Art. 3860, Art. 3884; No. 27, Art. 4196, Art. 4221; No. 28, Art. 4558; 2017, No. 1, Art. 12, Art. 46; No. 31, the Art. 4816), parts one of article 7 of the Federal Law of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, No. 28, Art. 2790; 2003, No. 2, Art. 157; No. 52, Art. 5032; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 25, Art. 2426; No. 30, Art. 3101; 2006, No. 19, Art. 2061; No. 25, Art. 2648; 2007, No. 1, Art. 9, Art. 10; No. 10, Art. 1151; No. 18, Art. 2117; 2008, No. 42, Art. 4696, Art. 4699; No. 44, Art. 4982; No. 52, Art. 6229, Art. 6231; 2009, No. 1, Art. 25; No. 29, Art. 3629; No. 48, Art. 5731; 2010, No. 45, Art. 5756; 2011, No. 7, Art. 907; No. 27, Art. 3873; No. 43, Art. 5973; No. 48, Art. 6728; 2012, No. 50, Art. 6954; No. 53, Art. 7591, Art. 7607; 2013, No. 11, Art. 1076; No. 14, Art. 1649; No. 19, Art. 2329; No. 27, Art. 3438, Art. 3476, Art. 3477; No. 30, Art. 4084; No. 49, Art. 6336; No. 51, Art. 6695, Art. 6699; No. 52, Art. 6975; 2014, No. 19, Art. 2311, Art. 2317; No. 27, Art. 3634; No. 30, Art. 4219; No. 40, Art. 5318; No. 45, Art. 6154; No. 52, Art. 7543; 2015, No. 1, Art. 4, Art. 37; No. 27, Art. 3958, Art. 4001; No. 29, Art. 4348, Art. 4357; No. 41, Art. 5639; No. 48, Art. 6699; 2016, No. 1, Art. 23, Art. 46, Art. 50; No. 26, Art. 3891; No. 27, Art. 4225, Art. 4273, Art. 4295; 2017, No. 1, Art. 46; No. 14, Art. 1997; No. 18, Art. 2661, Art. 2669; No. 30, the Art. 4456) and Item 19 of the Regulations on submission of information to Federal Service for Financial Monitoring by the organizations performing transactions with money or other property, and individual entrepreneurs and the direction by Federal Service for Financial Monitoring of requests in the organizations performing transactions with money or other property and to individual entrepreneurs, No. 209 approved by the order of the Government of the Russian Federation of March 19, 2014 "About approval of the Regulations on submission of information to Federal Service for Financial Monitoring by the organizations performing transactions with money or other property, and individual entrepreneurs and the direction by Federal Service for Financial Monitoring of requests in the organizations performing transactions with money or other property and to individual entrepreneurs" (Russian Federation Code, 2014, No. 12, Art. 1304; 2015, No. 16, Art. 2381; 2016, No. 39, the Art. 5655), establishes format and methods of submission by credit institution to Rosfinmonitoring on its information request about transactions of clients of credit institution, about beneficial owners of clients of credit institution and the telecommunication channels used for its transfer to Rosfinmonitoring, and also procedure for representation by credit institution to Rosfinmonitoring on its information request about movement of means on accounts (deposits) of clients of credit institution.

Chapter 1. Forming and submission by credit institution to Rosfinmonitoring of information

1.1. Credit institution in case of receipt of request of Rosfinmonitoring about submission of information on transactions of clients of credit institution, about beneficial owners of clients of credit institution and information on movement of means on accounts (deposits) of clients of credit institution (further - information) (further - request of Rosfinmonitoring), except for urgent request of Rosfinmonitoring, stipulated in Item 7 Features of the direction Federal Service for Financial Monitoring in credit institutions of the requests electronically approved by the order of Federal Service for Financial Monitoring of July 16, 2020 No. 171 "About approval of Features of the direction by Federal Service for Financial Monitoring in credit institutions of requests electronically" the registered Ministry of Justice of the Russian Federation on October 22, 2020 No. 60525 (further - Features of the direction of requests in credit institutions) (further - urgent request of Rosfinmonitoring), shall create according to format of submission by the credit institution to Rosfinmonitoring on its information request electronically provided by this Provision (further - format of submission of information), the message electronically containing data on request of Rosfinmonitoring in connection with which this message electronically, the information about the client (clients) of credit institution, data on the provided information, including the list of names of the investments containing the directed information in the form of electronic image of the document is created (the paper document transformed to electronic form by scanning with preserving details) (further - the electronic copy) and (or) the directed electronic documents (further - the electronic message).

The electronic message for establishment of its authenticity and integrity, and also for identification of his sender shall be supplied with authentication code (further - KA) credit institution.

1.2. The credit institution along with forming of the electronic message shall create the investment containing information specified in request of Rosfinmonitoring in the form of the electronic copy or in the form of the electronic document which shall be supplied by KA of credit institution (further - investment).

Investments shall be created by credit institution (branch) according to appendix to this Provision.

1.3. Transfer of the electronic message and investment (investments) in Rosfinmonitoring shall be performed by credit institution through territorial office of the Bank of Russia in which subsupervising territory the credit institution which created such electronic message and investment (investments), and territorial office of the Bank of Russia through Department of information technologies of the Bank of Russia is located (further - DIT of the Bank of Russia).

1.4. If the credit institution transfers request of Rosfinmonitoring for execution to the branch having the bank identification code assigned according to appendix 5 to the Provision of the Bank of Russia of September 24, 2020 for No. 732-P "About payment system of the Bank of Russia", to No. registered by the Ministry of Justice of the Russian Federation on November 10, 2020 60810, on May 26, 2021 No. 63632 (further - branch), forming and transfer of the electronic message and investment (investments) supplied with KA of branch shall be performed by branch.

1.5. From the electronic message and investment (investments) which name (names) (which) it is specified (are specified) in this electronic message the credit institution (branch) shall create the archive file or the multivolume archive file.

The archive file or the multivolume archive file (further - the archive file) shall be ciphered by credit institution (branch) with use of key of the enciphering applied to exchange of information with Rosfinmonitoring the KA of credit institution (branch) is supplied and sent to the same working day when it was created, till 16:00 local time on the communication channels applied in the Bank of Russia to information transfer electronically or with the cover letter on the digital carrier to territorial office of the Bank of Russia in which subsupervising territory the credit institution (branch) is located (further - territorial office), for subsequent delivery of the created archive file through DIT of the Bank of Russia in Rosfinmonitoring.

1.6. The territorial office shall provide acceptance directed on the communication channels applied in the Bank of Russia to information transfer electronically or with the cover letter on the digital carrier of archive files on the working days till 16:00 local time.

1.7. The territorial office shall carry out the procedure of check of authenticity and integrity of each archive file received during the working day from credit institutions (branches), allowing to determine that such file was directed by the relevant credit institution (branch) and was not changed during transfer from credit institution (branch) to territorial office (further - the procedure of authentication), and also the procedure of verification of the name of the archive file to compliance to format, stipulated in Item 3.3 this provision (further - the procedure of verification of the name).

At the same time the territorial office shall not razarkhivirovat archive files and control their content.

1.8. In case of positive results of the procedure of authentication and the procedure of verification of the name the territorial office shall create electronically and send to credit institution (branch) the notification on adoption of the archive file.

The archive file, the procedure of authentication and (or) the procedure of verification of the name of which yielded negative result, shall be excluded from further processing. At the same time the territorial office shall create electronically and send to credit institution (branch) the notification on rejection of the archive file with indication of the reason of its rejection.

The territorial office shall send to credit institution (branch) on the communication channels applied in the Bank of Russia to information transfer electronically or with the cover letter on the digital carrier the notification on adoption of the archive file (the notification on rejection of the archive file) no later than 18:00 local time in the same working day when the archive file was received.

1.9. The credit institution (branch) shall provide acceptance of the notification on adoption of the archive file (the notification on rejection of the archive file) directed on the communication channels applied in the Bank of Russia to information transfer electronically or with the cover letter on the digital carrier, in time no later than the working day following behind day of its direction.

1.10. The credit institution (branch) in case of obtaining from territorial office of the notification on rejection of the archive file shall remove the cause of rejection of the archive file and no later than the working day following behind day of receipt of the notification on rejection of the archive file repeatedly to direct the electronic message, including the investment (investments) containing (containing) in the unaccepted archive file.

1.11. From all archive files received from credit institutions (branches) during the working day and which underwent the procedure of authentication and the procedure of verification of the name with positive result, the territorial office shall create the summary archive file of territorial office supplied with KA of territorial office and containing list of names of all archive files included in it on the same day till 18:00 local time (further - the summary archive file).

1.12. The summary archive file shall be transferred by territorial office in DIT of the Bank of Russia on the communication channels used in the Bank of Russia for transfer of statistical information, till 18:00 local time in the same working day when it was created.

1.13. DIT of the Bank of Russia shall send the summary archive files received from territorial office to Rosfinmonitoring no later than 18:00 Moscow time working days following behind day of their obtaining from territorial office.

1.14. Date of submission by credit institution (branch) to Rosfinmonitoring of information is date of forming by territorial office of the list of names of archive files included in the summary archive file which contained the electronic message accepted by Rosfinmonitoring. Date of submission by credit institution (branch) to Rosfinmonitoring of information shall be included in the receipt containing confirmation about adoption of the electronic message by Rosfinmonitoring, created by Rosfinmonitoring electronically by results of control of each electronic message, including investment (investments), supplied with KA of Rosfinmonitoring (further - the receipt on adoption of the electronic message), specified in Item 2.1 of this provision.

1.15. In case of absence at credit institution (branch) of opportunity for timely execution of request of Rosfinmonitoring the credit institution (branch) can send to Rosfinmonitoring motivated inquiry for prolongation of completion date of request of Rosfinmonitoring (except for request for submission of information on movement of means on accounts (deposits) of the client and urgent request of Rosfinmonitoring) (further - motivated request for prolongation of term).

The motivated request about prolongation of term shall be created electronically in format, stipulated in Item 3.3 this provision.

1.16. The credit institution in case of receipt of urgent request of Rosfinmonitoring shall create according to format of submission of information the formalized message electronically containing data on urgent request of Rosfinmonitoring in connection with which this formalized message electronically is created, the information about the client (clients) of credit institution, data on the provided information including the list of names of the investments containing the directed electronic documents and (or) electronic copies (further - FES) which shall be signed by the strengthened qualified digital signature (further - UKEP) credit institution.

1.17. The credit institution along with forming of FES shall create the investment containing information specified in urgent request of Rosfinmonitoring in the form of the electronic copy and (or) in the form of the electronic document (further - investment to FES) which shall be signed by UKEP of credit institution.

Investments to FES shall be created by credit institution (branch) according to appendix to this Provision.

1.18. FES and investment (investments) to FES go credit institution to Rosfinmonitoring by use of the personal account of credit institution posted on the official site of Rosfinmonitoring on the Internet (further - Internet network) (further - personal account).

1.19. If the credit institution transfers urgent request of Rosfinmonitoring for execution to the branch, forming and transfer of FES and investment (investments) to FES, signed UKEP of branch, shall be performed by branch.

1.20. Date and time of submission by credit institution (branch) to Rosfinmonitoring of information on urgent request of Rosfinmonitoring the date and time of the direction credit institution (branch) of FES in Rosfinmonitoring included by Rosfinmonitoring in the document containing confirmation of Rosfinmonitoring about acceptance of FES, signed by UKEP of Rosfinmonitoring, created by results of control of each FES including investment (investments) to FES are (further - the receipt on acceptance of FES).

Chapter 2. Work of credit institutions (branches) with the receipts arriving from Rosfinmonitoring

2.1. When obtaining by credit institution (branch and credit institution in case, stipulated in Item 1.4 this provision) the receipts on adoption of the electronic message or the receipts containing confirmation about rejection of the electronic message, created by Rosfinmonitoring electronically by results of control of each electronic message, including investment (investments), the supplied KA of Rosfinmonitoring (further - receipts on rejection of the electronic message), credit institution (branch) the procedure of authentication shall be carried out.

2.2. In case of receipt by credit institution (branch) of the receipts on acceptance of investment created by Rosfinmonitoring electronically in case of positive result of control of each investment by Rosfinmonitoring, including the investment which is earlier not accepted by Rosfinmonitoring directed in exchange and the supplied KA of Rosfinmonitoring (further - receipts on acceptance of investment), credit institution (branch) the procedure of authentication shall be carried out.

In case of receipt by credit institution (branch) of the receipts on rejection of investment by Rosfinmonitoring created by Rosfinmonitoring electronically in case of negative result of control of each investment by Rosfinmonitoring, including the investment which is earlier not accepted by Rosfinmonitoring directed in exchange and in case of adoption of the electronic message by Rosfinmonitoring, the supplied KA of Rosfinmonitoring (further - receipts on rejection of investment), credit institution (branch) the procedure of authentication shall be carried out.

2.3. The territorial office shall send to credit institution (branch) as a part of the archive file of Rosfinmonitoring supplied the KA of Rosfinmonitoring (further - the archive file of Rosfinmonitoring) addressed to this credit institution (branch) of the receipt on adoption of the electronic message, receipt on rejection of the electronic message, receipt on acceptance of investment, the receipt on rejection of investment.

2.4. In case of receipt by credit institution (branch) of the receipt on rejection of the electronic message the credit institution (branch) shall (shall) remove the rejection cause, again create the electronic message, including investment (investments), and till 16:00 local time the working day following behind day of receipt of the receipt on rejection of the electronic message, to send it to Rosfinmonitoring.

In case of receipt by credit institution (branch) of the receipt on adoption of the electronic message containing the name of unaccepted investment (investments) and the receipt on rejection of investment (investments) the credit institution (branch) shall (shall) remove the cause of rejection of investment (investments), create the archive file from again created (created) investment (investments) and till 16:00 local time the working day following behind day of receipt of the specified receipts to send it to Rosfinmonitoring.

2.5. In case of non receipt by credit institution (branch) of the receipt on adoption of the electronic message, the receipt on rejection of the electronic message, the receipt on acceptance of investment, the receipt on rejection of investment after five working days after day of the direction of the electronic message, investment (investments) in Rosfinmonitoring the credit institution (branch) can send the written request in any form to Rosfinmonitoring for clarification of absence reasons of the receipt on adoption of the electronic message, the receipt on rejection of the electronic message, the receipt on acceptance of investment, the receipt on rejection of investment with appendix to request of the copy of the notification on acceptance by territorial office of the archive file containing the corresponding electronic message.

2.6. DIT of the Bank of Russia shall provide archive files of Rosfinmonitoring as a part of the summary archive files of Rosfinmonitoring supplied with KA of Rosfinmonitoring.

DIT of the Bank of Russia shall provide the direction of summary archive files of Rosfinmonitoring in territorial office no later than the working day following behind day of their obtaining from Rosfinmonitoring with use of the communication channels applied in the Bank of Russia to transfer of statistical information in time.

2.7. The territorial office from DIT of the Bank of Russia of summary archive files of Rosfinmonitoring shall make on receipt their razarkhivation. The archive files of Rosfinmonitoring received as a result of razarkhivation shall be sent to credit institution (branch) on the communication channels applied in the Bank of Russia to information transfer electronically or with the cover letter on the digital carrier no later than 18:00 local time working days following behind day of their obtaining from DIT of the Bank of Russia.

The credit institution (branch) shall (shall) provide acceptance of archive files of Rosfinmonitoring from territorial office on the communication channels applied in the Bank of Russia to information transfer electronically or with the cover letter on the digital carrier and to carry out the procedure of authentication of the receipts on adoption of the electronic message, receipts on rejection of the electronic message, receipts on acceptance of investment, receipts on rejection of investment containing in them.

2.8. In case of negative result of the procedure of authentication of the receipt on adoption of the electronic message, receipt on rejection of the electronic message, receipt on acceptance of investment, the receipt on rejection of investment the credit institution (branch) shall (shall) inform on it the official of Rosfinmonitoring specified in office part of the receipt on adoption of the electronic message, receipt on rejection of the electronic message, receipt on acceptance of investment, the receipt on rejection of investment.

2.9. The credit institution (branch) shall (shall) provide acceptance from Rosfinmonitoring of receipts on acceptance of FES, documents containing confirmation of Rosfinmonitoring about rejection of FES signed by UKEP of Rosfinmonitoring (further - receipts on rejection of FES), the documents containing confirmation of Rosfinmonitoring about acceptance of investment (investments) to FES, signed UKEP of Rosfinmonitoring (further - receipts on acceptance of investment (investments) to FES), the documents containing confirmation of Rosfinmonitoring about rejection of investment (investments) to FES, the signed UKEP of Rosfinmonitoring (further - receipts on rejection of investment (investments) to FES) placed by Rosfinmonitoring in personal account.

2.10. In case of obtaining by credit institution (branch) from Rosfinmonitoring of the receipt on rejection of FES the credit institution (branch) shall (shall) remove the cause for which FES was not accepted, to create new FES, including investment (investments) to FES, and in terms, the similar directions of requests of stipulated in Item 7 Features in credit institutions for execution of urgent request of Rosfinmonitoring, to send to FES to Rosfinmonitoring according to this Provision.

In case of obtaining by credit institution (branch) from Rosfinmonitoring of the receipt on acceptance of FES containing the name of unaccepted investment (investments) to FES and (or) the credit institution (branch) shall the receipt on rejection of investment (investments) to FES (shall) remove the cause for which the investment (investments) to FES was not accepted (were not accepted), to create new investment (investments) to FES and in terms, the similar directions of requests of stipulated in Item 7 Features in credit institutions for execution of urgent request of Rosfinmonitoring, to send the corrected investment (investments) to FES to Rosfinmonitoring according to this Provision.

2.11. In case of non receipt by credit institution (branch) from Rosfinmonitoring of the receipt on acceptance of FES, the receipt on rejection of FES, the receipt on acceptance of investment (investments) to FES or the receipt on rejection of investment (investments) to FES after five working days after day of the FES direction, investment (investments) to FES in Rosfinmonitoring the credit institution (branch) sends inquiry to Rosfinmonitoring for clarification of absence reasons in personal account of the receipt on acceptance of FES, the receipt on rejection of FES, the receipt on acceptance of investment (investments) to FES or the receipt on rejection of investment (investments) to FES.

Chapter 3. Final provisions

3.1. This Provision according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of September 15, 2017 No. 23) become effective after 90 days after day of its official publication.

3.2. From the date of entry into force of this provision to declare invalid the Provision of the Bank of Russia of September 2, 2013 No. 407-P "About representation by credit institutions on requests of Federal Service for Financial Monitoring of information on transactions of clients, about beneficial owners of clients and information on movement of means on accounts (deposits) of clients in electronic form", registered by the Ministry of Justice of the Russian Federation on November 14, 2013 No. 30372.

3.3. The format of submission of information approved with Rosfinmonitoring shall be posted on the official site of the Bank of Russia in Internet network.

3.4. The changes approved with Rosfinmonitoring in format of submission of information shall be posted on the official site of the Bank of Russia in Internet network and be applied after 30 days after day of their placement if information on later terms of their application is not provided in the message of the Bank of Russia on the official site of the Bank of Russia in Internet network.

 

It is approved Director of Federal Service for Financial Monitoring

Yu.A.Chikhanchin

 

Appendix

to the Provision of the Bank of Russia of September 20, 2017 No. 600-P "About representation by credit institutions on requests of Federal Service for Financial Monitoring of information on transactions of clients, about beneficial owners of clients and information on movement of means on accounts (deposits) of clients"

Forming of investments by credit institution (branch)

1. If Rosfinmonitoring requests verified copies of civil agreements, data on civil agreements of clients, copies of the applications on opening (closing) of accounts, passport copies of persons having the right to carrying out financial account transactions (in case of management of the account based on the power of attorney - the copy of such power of attorney), data on transactions of the client with bills of exchange, in the presence at credit institution (branch) of required information as investment the electronic copy of the required document goes.

2. If Rosfinmonitoring requests verified copies of passports of transactions, sheets of bank control, the certificate of supporting documents, as investment the electronic document containing the sheet of bank control goes.

3. If Rosfinmonitoring requests verified copies of cards with specimen signatures and impress of a seal, as investment the electronic copy of card with specimen signatures and impress of a seal goes.

4. If Rosfinmonitoring requests the statement during the period of time determined in request of Rosfinmonitoring on transactions on customer accounts, as investment the electronic document containing the statement during the period of time determined in request of Rosfinmonitoring on transactions on customer accounts goes.

5. If Rosfinmonitoring requests data on cash flow on accounts of physical person to which bank cards are emitted, for the period of time determined in request of Rosfinmonitoring from the credit institution which is the issuer of bank card with which use transaction was made such credit institution as investment the electronic document, the stipulated in Item 4 presents of appendix goes.

In case of receipt of the specified request of Rosfinmonitoring by the credit institution which is not the issuer of bank card with which use transaction was made such credit institution no later than 10 working days from the date of receipt of request of Rosfinmonitoring as investment the electronic document containing data on the transactions made with use of bank card goes.

6. If Rosfinmonitoring requests information on the transactions on money transfer made by physical person without opening of the account, as investment goes or the electronic copy of the performed order of the payer - physical person about implementation of money transfer without opening of the bank account on paper, or the electronic document containing the statement about the performed orders of the payer - physical person about implementation of money transfer without opening of the bank account.

The electronic document containing the statement about the performed orders of the payer - physical person about implementation of money transfer without opening of the bank account, created for the period time, preceding on March 31, 2014, can be directed in the form of the electronic copy of the relevant document.

7. If Rosfinmonitoring requests information on transactions on transfer of electronic money, as investment the electronic document containing the statement about transactions on transfer of electronic money with participation of physical person goes.

The electronic document containing the statement about transactions on transfer of electronic money with participation of physical person created for the period time, previous on March 31, 2014 can be directed in the form of the electronic copy of the relevant document.

8. If Rosfinmonitoring requests information on the currency exchange transactions made by physical person without opening of the account, as investment the electronic document containing the statement from the electronic register of transactions with cash and checks which form is given in appendix 1 to the Instruction of the Bank of Russia of September 16, 2010 No. 136-I "About procedure authorized banks (branches) of separate types of banking activities with cash foreign currency and transactions with checks (including travel checks) which nominal value is specified in foreign currency, with participation of physical persons", registered by the Ministry of Justice of the Russian Federation on October 1, 2010 No. 18595, on May 19, 2016 No. 42154, provided that when maintaining the specified electronic register by credit institution it joins the information about physical persons received when carrying out their identification goes.

The statement joins data on the transactions with cash foreign currency and checks made by physical person concerning which the request of Rosfinmonitoring arrived.

The electronic document containing the statement from the electronic register of transactions with cash and checks created for the period time, previous on March 31, 2014 can be directed in the form of the electronic copy of the relevant document.

9. If Rosfinmonitoring requests copies of questionnaires (file) of clients of credit institution, including the information about beneficial owners of clients of credit institution, as investment credit institution (except for the credit institution providing information on cash flow on bank card which issuer is other credit institution) goes or the electronic copy of the formalized document which is available for it single containing the identification information about the client, or the electronic document containing the statement from the questionnaire (file) of the client.

 

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