PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of July 3, 2018 No. 645-P

About savings and deposit certificates of credit institutions

Based on article 36.1 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ) (Sheets of the Congress of People's Deputies of RSFSR and the Supreme Council of RSFSR, 1990, No. 27, Art. 357; Russian Federation Code, 1996, No. 6, Art. 492; 1998, No. 31, Art. 3829; 1999, No. 28, Art. 3459, Art. 3469; 2001, No. 26, Art. 2586; No. 33, Art. 3424; 2002, No. 12, Art. 1093; 2003, No. 27, Art. 2700; No. 50, Art. 4855; No. 52, Art. 5033, Art. 5037; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 1, Art. 18, Art. 45; No. 30, Art. 3117; 2006, No. 6, Art. 636; No. 19, Art. 2061; No. 31, Art. 3439; No. 52, Art. 5497; 2007, No. 1, Art. 9; No. 22, Art. 2563; No. 31, Art. 4011; No. 41, Art. 4845; No. 45, Art. 5425; No. 50, Art. 6238; 2008, No. 10, Art. 895; 2009, No. 1, Art. 23; No. 9, Art. 1043; No. 18, Art. 2153; No. 23, Art. 2776; No. 30, Art. 3739; No. 48, Art. 5731; No. 52, Art. 6428; 2010, No. 8, Art. 775; No. 27, Art. 3432; No. 30, Art. 4012; No. 31, Art. 4193; No. 47, Art. 6028; 2011, No. 7, Art. 905; No. 27, Art. 3873, Art. 3880; No. 29, Art. 4291; No. 48, Art. 6730; No. 49, Art. 7069; No. 50, Art. 7351; 2012, No. 27, Art. 3588; No. 31, Art. 4333; No. 50, Art. 6954; No. 53, Art. 7605, Art. 7607; 2013, No. 11, Art. 1076; No. 19, Art. 2317, Art. 2329; No. 26, Art. 3207; No. 27, Art. 3438, Art. 3477; No. 30, Art. 4084; No. 40, Art. 5036; No. 49, Art. 6336; No. 51, Art. 6683, Art. 6699; 2014, No. 6, Art. 563; No. 19, Art. 2311; No. 26, Art. 3379, Art. 3395; No. 30, Art. 4219; No. 40, Art. 5317, Art. 5320; No. 45, Art. 6144, Art. 6154; No. 49, Art. 6912; No. 52, Art. 7543; 2015, No. 1, Art. 37; No. 17, Art. 2473; No. 27, Art. 3947, Art. 3950; No. 29, Art. 4355, Art. 4357, Art. 4385; No. 51, Art. 7243; 2016, No. 1, Art. 23; No. 15, Art. 2050; No. 26, Art. 3860; No. 27, Art. 4294, Art. 4295; 2017, No. 14, Art. 2000; No. 18, Art. 2661, Art. 2669; No. 25, Art. 3596; No. 30, Art. 4456; No. 31, Art. 4754, Art. 4761, Art. 4830; 2018, No. 1, Art. 66; No. 18, Art. 2576; No. 22, the Art. 3043) (further - the Federal Law "About Banks and Banking Activity"), Article 844 of the Civil code of the Russian Federation (The Russian Federation Code, 1996, No. 5, Art. 410; No. 31, the Art. 4761) this Provision establishes 2017,:

structure of obligatory details of savings and deposit certificates of credit institutions and details of the certificate affirming the rights of owners of the savings and deposit certificates issued on the terms of immobilization;

requirements to conditions of issue of savings and deposit certificates of credit institutions;

procedure and terms of registration by the Bank of Russia of conditions of issue of savings and deposit certificates of credit institutions, the bases for refusal of the Bank of Russia in registration of conditions of issue of savings and deposit certificates of credit institutions, the list of the documents submitted by credit institution to the Bank of Russia for registration of conditions of issue of savings and deposit certificates of credit institutions and also requirements to the specified documents and procedure for their representation;

procedure for disclosure by credit institutions of information on conditions of issue of savings and deposit certificates of credit institutions;

procedure for maintaining by the Bank of Russia of the register of the registered conditions of issue of savings and deposit certificates of credit institutions.

Chapter 1. Structure of obligatory details of savings and deposit certificates of credit institutions and details of the certificate affirming the rights of owners of the savings and deposit certificates issued on the terms of immobilization

1.1. The savings or deposit certificate of credit institution (further in case of joint mentioning - the certificate) which is handed out to its owner shall contain the following obligatory details:

the savings certificate - the name "Savings certificate", the deposit certificate - the name "Deposit certificate";

the unique identification sign of the certificate appropriated by the credit institution which issued the certificate;

full trade name and the location of the credit institution which issued the certificate;

the savings certificate - surname, name and middle name (in the presence) the first owner of the savings certificate - physical person (including the individual entrepreneur) (further - physical person), the place of its registration at the place of residence (stay);

the deposit certificate - full name of the first owner of the deposit certificate, its primary state registration number and the location - for the Russian legal entity; full name, number assigned in the trade register or the accounting register of the state in which the owner of the deposit certificate as the legal entity, and date of state registration of the legal entity (assignment of number) - for the foreign legal entity is registered;

the deposit amount which fact of introduction makes sure the certificate, specified by figures and copy-book;

interest rate (procedure for determination of interest rate) for use of contribution which fact of introduction makes sure the certificate;

date (the term after which there comes date) claimings of the deposit amount and the percent caused by the certificate;

instruction on refusal of the certificate holder of the right to contribution for its requirement before the expiration of claiming of contribution which fact of introduction makes sure the certificate (in case of contributing on the terms of refusal of the certificate holder of the right to contribution according to its requirement);

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