Article 844. Savings and deposit certificates

1. Savings and deposit certificates shall be personal documentary securities certifying that the depositor has made a contribution to the bank under the conditions specified in the relevant certificate. and the right of the holder of such a certificate to receive, after the expiry of the certificate ' s due date, the amount of the deposit and the interest resulting from the certificate in the issuing bank. The savings certificate may only be a natural person, including an individual entrepreneur. The holder of the deposit certificate may only be a legal person. 2. Interest on the savings or deposit certificate of mouth 3. The bank shall be entitled to issue savings and deposit certificates, conditions and conditions of payment on the terms and conditions approved by the bank and on the dates specified by the savings or deposit certificate. which do not provide for the right of the holder of the relevant certificate to receive the contribution on demand, such certificate to include an indication of the absence of the investor ' s right to dosro 4. If the savings and deposit certificates provide for the right of the holder of the relevant certificate to receive the deposit on demand, the bank shall, at an early date, In the case of a claim by the holder of the relevant cash transfer certificate, the amount of the deposit and interest payable on the demand deposit shall be paid, if the conditions for payment of the claim are such as to ensure the payment of the claim. 5. The savings or deposit certificates may be issued under conditions of restraint (art. 148.1), including by means of restraint. The bank may hold them in the issuing bank, provided that such a bank is entitled by law to hold documents and (or) account for securities rights. e Certificates are not issued to their owners and the rights of the holders of such certificates are set out in one certificate, the details of which are established by the Bank of Russia.