A Sberbank certificate for savings is a security that helps confirm the amount that the investor contributes as capital. Another option of this paper is confirmation of the fact that the investor has the right to receive a certain percentage upon expiration of the certificate.
The Savings Bank of Russia offers savings and deposit certificates, despite the similar conditions of content, issue of these securities, and their areas of application are different. Certificates of deposit are aimed at providing services to legal offices, while savings certificates serve the population. Let's take a closer look at what it is savings certificate Sberbank, interest in 2016, conditions for receipt and features of content.
What is a savings certificate
This security is a reliable and proven way to store and increase cash population. The document represents the amount that is deposited into the Savings Bank account. After its expiration, the owner of the documentation will be able to receive it along with the interest due.
Sample savings certificate
Thanks to the presence of the document, there will be no need to open an account for a specific person; it is usually issued to the bearer. This difference is beneficial for this security, in contrast to a traditional deposit. You can apply for this certificate at various Sberbank branches throughout the country.
Features of receiving
Thus, a savings certificate is a universal security that has reliable legal protection and brings enormous profits.
Disadvantages of the certificate
As with any type of valuable documentation, The certificate has its own subtleties:
- Firstly, the owner must carefully monitor that the paper does not fall into the hands of strangers, otherwise you risk becoming a victim of criminals.
- Secondly, it is possible to deal with the determination of rights to a certificate only in judicial procedure.
- Thirdly, the certificate does not have the possibility of extending the period during which it is valid.
Scope and conditions for issuing savings certificates
If you want to use the selected or another program again, you can cash out the funds. Early receipt funds for owning the document are not beneficial, because the income will be calculated at a less attractive rate.
Another advantage of documents is that they do not participate in the insurance system. This means that the license will be revoked and investors will not be able to count on receiving their money.
So, we looked at what a Sberbank savings certificate is, as well as its strengths and weak sides. It remains only to consider the conditions under which it can be received by individuals.
Conditions of receipt
A savings certificate for Sberbank pensioners is popular, it corresponds to a profitable program and allows you to store and increase funds in accounts.
Thus, making a bearer deposit at Sberbank, despite some peculiarities of receipt, can be quite simple. Moreover, all documentation is legally protected and eliminates the possibility of forgery. The document is relevant for all categories of the population who want to invest their money profitably and safely. Taking into account the conditions and features of obtaining paper, in a few years you can receive substantial interest and other privileges.
If you are looking for new financial instruments investment of funds, then you will be interested to know what a Sberbank savings certificate is and what interest you can get on it in 2019. Let's look at the advantages of this type of investment in securities and their differences from a time deposit placed with the Savings Bank of the Russian Federation.
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What is a savings certificate
Some Russian banks along with traditional ways storing and increasing the population's free money in the form of deposits offers individuals a fairly new banking product– investments in securities issued in the form of certificates. One of the few banks that provides savings certificates is Sberbank of Russia.
Sbercertificates for individuals are a type of certificates of deposit issued by Sberbank, which are either registered or bearer, issued in rubles and, as a rule, in long term(from one year or more).
Important! The minimum investment amount is 10 thousand rubles. Interest is paid at the end of the term, and in case of early presentation for payment - at the demand rate. Extension is not possible.
In our country, certificates of deposit confirming the amount deposited in the bank and the owner's rights to them are issued only to legal entities.
A savings certificate from Sberbank for citizens is, in fact, an analogue of a time deposit, which, like a deposit, has a nominal value, meets the conditions of urgency and repayment of funds and serves primarily to receive income in the form of interest on investments. In this case, the bank does not open a deposit account.
You can buy this security directly from the bank that issued it by depositing cash or by bank transfer. An internal Russian passport is required for purchase.
Advantages and disadvantages
So what are the pros and cons of savings certificates? The Savings Bank of Russia issues securities only to bearer and only in Russian currency.
A personal savings certificate is not provided, and this can be considered a plus, since if necessary, it can simply be transferred to another person as payment or gifted to relatives and friends. Using it as a gift option for a birthday is a good idea, isn't it?
And if you did not plan to transfer it to another person, then for security purposes you can store this document in Sberbank completely free of charge, without fear that it will be stolen or you will lose it. And this is also a plus.
Please note that if this financial document into the wrong hands, the person who took possession of it, until the loss is discovered without any special problems or questions from the outside credit organization may cash out funds by presentation for payment, without your consent.
Here's what to do if this happens. If the savings certificate is lost, you will need to immediately contact any branch of the Security Service of the Russian Federation and notify about the fact. Then write an application to the court to restore your rights to it. The issuance of funds or restoration of the basis document is carried out by the credit institution only after receiving a court decision.
Photo of a bearer security
Increased interest rate and risks
This security can be purchased by both citizens of the Russian Federation and non-residents, a pensioner or a minor aged 14-18 years.
The disadvantages include the fact that it is possible to purchase a Sberbank bearer certificate and redeem it after the expiration of the deposit period only in certain structural divisions of the Savings Bank in the Russian Federation.
Buy a Sberbank certificate online using the Sberbank official website or mobile app, the client also cannot, since this is a documentary security and any transactions with it are carried out at a credit institution in the personal presence of the client.
Today, the interest rate on savings certificates is higher than the rates on time deposits. This is a plus, but the minus is that this security is not subject to compulsory insurance at the Deposit Insurance Agency (DIA). But the opportunity to receive an increased fixed income with the high reliability of the Savings Bank covers the emerging risk of revoking its license.
When investing money at a higher interest rate, the client must take into account the fact that if the credit institution’s license is revoked, it will be impossible to receive their investments through the DIA.
If the income from placing funds in a given security exceeds 5 points key rate Central Bank, then a tax will be charged on it. But now the conditions for attracting money to Sberbank savings certificates are much lower, and the income received from these operations is not taxed.
Advice! Use the calculator on the Sberbank websiteto calculate the expected interest on investments in a savings certificate for 2016-2019.
How to purchase
Savings certificates as a method of savings are becoming increasingly popular among the population. The person who buys it must be legally and economically literate at an elementary level in order to be able to understand the terms and conditions.
To purchase you need:
- Select the Sberbank branch closest to you where data transactions are carried out securities. This can be done conveniently on its official website;
- Decide how much you are willing to invest, for how long and how many securities you need. The latter is relevant when you plan to give or transfer part of the funds to another person;
- When visiting the branch of your choice, present your passport and pay in cash or by bank transfer from your account the cost of the savings certificate;
- Pick up the issued document or leave it in the bank for safekeeping. You can ask the employee for a sample of filling out a financial document to make sure that all the necessary details are filled out correctly.
The Sberbank savings certificate in 2018 promised good interest and was issued until mid-summer, while current legislature no amendments were made to prohibit the issuance of bearer (i.e. non-registered) securities. What should those who still have certificates in their hands do, and what interest alternative does the bank offer to cautious investors in 2018?
Sberbank savings certificates: conditions
A savings certificate is a security that certifies that a sum of money has been deposited with a bank. It entitles its owner to claim this amount and any interest due.
For legal entities, such a document is called a certificate of deposit.
Until 2018, there were two types of such papers for individuals - registered and bearer. The first could only be used by the person whose data was indicated on the official certificate form, the last - by any individual who received the document.
Currently, the issuance and execution of savings certificates to bearer (not registered) is prohibited at the level civil code. From July 1, 2018, Sberbank no longer sells securities in this category.The Sberbank savings certificate was printed on official Gosznak letterheads, and today it looks like this:
A sample savings certificate form from the 1990s:
Images used from a post on the banks.ru forum.
An interesting fact is that amendments to the civil code banning unregistered securities were adopted in the State Duma in order to implement the anti-corruption law. According to the Ministry of Finance, in the country as of January 2018, such certificates were purchased for 490 billion rubles (!), and in 2016 - as much as 600 billion (!), At the same time, the documents themselves do not allow identifying all participants in the turnover, but only the final “ consumer" who receives money using the certificate, which is very convenient for hiding suspicious connections.
Profitability of savings certificates in 2018
Sberbank, at one time, was a leader among issuers of bearer securities and was actively involved in their distribution.
There were several reasons for this:
- The certificate had the characteristics of a “hard” deposit - interest was accrued only at the end of the term, it was impossible to receive money ahead of schedule while maintaining the same rate, it was impossible to replenish it, there was no prolongation. Sberbank received “long-term” money at its disposal, which it could safely use throughout the entire validity period of the document.
- The money was not insured, which means the bank did not transfer for it obligatory payments you in. This made it possible to give a higher interest rate than on deposits, but imposed certain risks on the buyer.
- Latent profitability also played into the bank’s hands. Since the certificate could be easily transferred from one person to another, lost, forgotten, etc. a lot of the lost money remained unclaimed, and for Sberbank - negotiable.
Thus, the yield on Sberbank Savings Certificates was on average higher than on deposits by 1-2 percentage points.
Denominations and interest rates of Sberbank certificates
During the period when securities were issued, rates changed from year to year, for example, in 2017 - four times, and in 2018 - twice.
Let's analyze the volatility of the return on Sberbank Savings Certificates and what the percentage of income depended on.
The final profit was influenced by two indicators:
- Denomination - from 10 thousand to 100 million.
- Duration - from 3 months to 3 years.
Obviously, the profitability of denominations from 10 to 50 thousand rubles is minimal and is not affected by the period of placement of money.
Interest rates on savings certificates purchased at the beginning and end of 2017:
The maximum percentage operates not just at impressive, but at astronomical denominations, and an average investor will be in the range of the second and third lines.
The table shows how the interest rate on non-registered securities fell following the reduction in the key rate.
The rates on certificates established by Sberbank remain unchanged throughout the entire validity period. Income is paid only upon maturity; the concept of capitalization is not applicable for this type of investment. There is no prolongation, therefore, upon expiration of the repayment period, income is not accrued.
Everyone who issued non-registered Sberbank certificates in 2018 will receive assigned interest on the maturity date of the security. Early payment of money will reset your income to zero - recalculation is carried out at a rate of 0.01%.
Taxation and insurance of bearer certificates
It is important that the bank does not insure the money attached to the price of the security, which means you should not count on payments in a force majeure situation. But, taking into account the reputation of Sberbank in banking sector, current certificate holders may not take this fact into account, but clients of other financial institutions need to be on their guard.
Taxation of savings certificates is no different from deposits, i.e., income tax is paid only if the interest rate exceeds the Central Bank rate by 5 points. Sberbank has never supported this practice, so the filing tax return the certificate owner will not be required.
It’s a different matter if you sell a certificate, because this operation is subject to the usual tax rules: a duty arises personal income tax payment- tax on the profit you received as a result of the sale. In fact, it is difficult to establish the fact of making a profit from such a transaction, especially if it is not supported by an agreement.
According to recent practice, when redeeming a certificate for a large sum, the bank may require confirmation of income received, for example, a gift agreement on behalf of the former owner.
How to redeem or cash a security
Neither banks nor any other organizations were required to verify the legality of ownership of such a certificate by a specific individual.
It was freely accepted for redemption at the Sberbank office without any questions asked, and the bearer, after checking the passport and the form of the security, was paid the money assigned to him and the interest due. If the document itself was kept in the bank, employees were warned about the withdrawal of money in advance - 3-5 days in advance.
Minors could withdraw money from the certificate without the consent of guardians or parents if they bought it on their own.
Such a simple procedure for paying money consisted main risk owner - in case of loss, the form could only be restored in court, and money in storage was not insured.
Moreover, if you look at appearance certificate (shown in the picture above), you will notice that the information about the depositor of funds is located on the spine of the security, but this data is not on the main form (in the “Issued” field, the place of purchase was indicated).
According to the rules of the Civil Code, in order to transfer rights under a security, it is enough to hand over the certificate form itself and keep the spine. It is this spine that was and is the only insurance in cases of theft, loss, or unauthorized access to a valuable document of the owner - it is presented to the court as evidence.
Thus, anyone could withdraw the certificate without your knowledge and freely cash it at any time, withdrawing your money and accumulated interest.
Registration of a non-personal certificate for an individual
Any individual, starting from the age of 14, had the right to buy a bearer security for cash or by bank transfer (for example, pay from an existing account). Pensioners made transactions on a general basis.
The certificate was issued in Sberbank branches, which had official Goznak forms (and there were only one or two of these in a middle-class city). The procedure was not performed remotely.
The algorithm was simple:
- The denomination of the certificate and its validity period were selected;
- Money was deposited into the cash register;
- In return, a properly executed document was issued.
After that, you could transfer it, give it away, lose it, pay with a savings certificate to a friend if the agreement allowed, or pay it off early by withdrawing all the money.
Today, as stated above, Sberbank does not issue securities of this kind, but accepts them for payment and redemption.Storage, search and restoration of a savings certificate
Sberbank has currently stopped not only issuing certificates, but also accepting them for safekeeping.
For those who have managed to place their securities under protection, the bank promises to fulfill all obligations to the owners and does not intend to forcibly return them until they are claimed.
In any case, if you have a Sberbank savings certificate of the 2018 model (or earlier), take care of its safety and minimize risks - rent a safe deposit box or safe. The bank still accepts them for redemption, and if you lose them, another person will receive your money.
- Contact the bank branch and write a statement that the security has been lost - on its basis, they will impose a ban on redemption and cashing out and notify other divisions of Sberbank;
- Write statement of claim to the court with a request to declare the lost non-personal certificate invalid and restore your rights under it (submitted to the court at the applicant’s place of residence).
- Wait for the procedural actions: within 3 months the court will search for the owner of the security with an offer to declare his rights (usually an advertisement is published in a local newspaper). If one does not show up, the property will be recognized as yours. If found, it will be a matter of convincing evidence on each side of the dispute.
Many questions arise when trying to find inheritance certificates. Unfortunately, if the document is not kept in the bank, it will not be included in the inheritance mass and in response to the notary’s request it will not be mentioned either - Sberbank is not involved in the search. It will be impossible to receive the testator's money: 
How to use a non-personal Sberbank certificate
If you have a security in your hands, you can not only carefully store it, but also actively use it to solve current problems, for example:
- Give as a gift - this is what they do most often. Now it is better to accompany this noble deed with a written gift agreement so that the recipient avoids questions from Sberbank about the origin of the funds.
- Pledge when applying for a loan or mortgage;
- Use for settlements (although the instructions of the Central Bank directly prohibit the use of securities for payment, it is almost impossible to prove this fact).
- Leave as an inheritance - in this case, it is better to leave the forms for safekeeping, rent a safe, draw up a will and indicate in it to whom the document is transferred.
- Lend, following the necessary procedures for this - drawing up a loan agreement or receipt. You will no longer be able to get your certificate back, but the right to return the amount and interest from the debtor, secured by the agreement, will remain with you.
- Sell - if you urgently need money, you can sell your security for part of the interest income; this is much more profitable than paying it off early.
How to replace a Savings Certificate
Bonds are now gaining more and more popularity federal loan- the state is actively selling debt obligations.
This is a conservative instrument with low risk and income higher than the deposit by 2-3 percentage points.
Bonds can only be purchased through professional market participants - brokers; Sberbank also has one. Perhaps concluding an agreement with an intermediary is the most difficult part of the transaction. One of the pleasant moments is the opportunity to earn extra money with the help of tax benefits by opening an individual investment account.
More details: .Conclusion
Interest on Sberbank savings certificates in 2018 continues to accrue as usual for all securities issued before July. Today, bearer securities have ceased to exist due to changes legislative framework. They are not accepted for storage, but the bank fulfills its repayment obligations in in full. Certificates purchased in the first half of 2018, 2017 and earlier are paid according to general rules. The percentage depends on the purchased denomination and duration of use.
And their premium version for users. Now we will talk about the Sberbank savings certificate. Let's start with what it is.
Savings certificate is a security whose purpose is to preserve and receive income from the invested amount. That is, in fact, it is the same deposit in a bank, but with a higher interest rate. The savings certificate is issued to the bearer.
The first question that comes to mind is: where did it come from? increased rate compared with regular deposits?
It's simple: all Sberbank deposits are subject to compulsory insurance, but this requirement does not apply to a savings certificate. Another feature of a savings certificate is that it is impossible to add money to it or withdraw money from it, since it is a security. If you consider the certificate as a gift, then we inform you that it will not be possible to make a personal certificate. Unfortunately, there is no such service.
Interest paid on savings certificate
Interest rates on savings certificates vary and depend on the amount invested and the term. The minimum deposit amount for savings certificates at Sberbank is 50,000 rubles. But we do not take into account the minimum possible threshold for opening a savings certificate, since in the range from 10,000 to 49,999 rubles, the rate on such an investment is, like y - only 0.01 per annum, which can easily be equated to zero income. Tariff schedule for a savings certificate is presented below. If we think objectively, taking into account average income It is best to invest money in a certificate in the amount of up to 1,000,000 rubles for a period of 181 days or more.
- Interest rate on savings certificate: from 0.01 to 7.10% in rubles
- Deposit term: from 91 days to 1095 days
- Not replenished
- Without partial withdrawal
- Minimum deposit amount: 10,000 rubles (income starts only from an amount of 50,000 rubles and above)
How to apply for a Sberbank savings certificate
Applying for a certificate is quite simple:
- It is enough to apply with your passport to any of the branches of Sberbank of Russia, where there is a department for working with savings certificates
- Select the deposit amount and deposit term - the interest rate on the certificate will depend on this
- Pay the certificate amount at the cash desk in cash or from your personal account in Sberbank
- Receive a certificate in your hands
We would like to draw your attention to the fact that a certificate is a security that is issued on a stamped form with protective elements and it is subject to external influencing factors and if it deteriorates or gets very dirty, there may be problems when cashing it, so we advise you to hand over your Sberbank savings certificate for safekeeping in the bank - this service is provided free of charge. It's convenient and you can rest assured that nothing will happen to your certificate.
What can you do with a savings certificate?
It seems that everything is described extremely simply and in detail, but there are different situations in life and therefore we suggest going through the most pressing issues of Sberbank clients and sorting them out.
Question: Where can I redeem a savings certificate?
Answer: only in Sberbank branches in Russia.
Question: Is income from a savings certificate subject to taxes?
Answer: the certificate is not subject to taxes.
Question: What should I do if my savings certificate is lost or you cannot find it?
1) If you remember the number of the certificate you purchased, then report the loss to the nearest Sberbank branch as soon as possible. Well, then you will need to go to court with an application to restore your rights - the court will explain how and what needs to be done next. To avoid this situation- hand over the certificate for safekeeping to the bank. It will be safer this way.
Question: What should I do if my certificate has become unusable (torn or erased)?
Answer: Collect everything that is left of the certificate and bring it to the bank branch. If everything is really bad, the bank will order an examination. If successful, you will be given a duplicate or paid in cash.
Question: Can a savings certificate be inherited?
Answer: Yes. Just hand over the certificate to the heir in person. If the savings certificate is kept in the bank and a case of inheritance occurs, then the heir must present to the bank employee a certificate of the right to inheritance.
Question: Can a bearer savings certificate be seized and/or confiscated by a court order? Is a savings certificate taken into account when dividing property?
Answer: All of the above can only happen if the savings certificate is deposited. If the savings certificate is in the hands of the owner, then none of the above can be done with it.
Conclusion
If you want to increase your income and do not need to withdraw or replenish funds, then a Savings Certificate from Sberbank is perfect for you. In principle, this investment option is also good because in this way you can save money for a “rainy” day, so as not to be left without money later in the event of dismissal from work or any other force majeure circumstances. More high interest rates than on deposits and the absence of hassle are the undoubted advantages of the certificate. And in order not to bother with storing the certificate, simply deposit it under the responsibility of the bank in the same branch where you purchased it immediately after receiving the certificate in your hands, because this service is free.
A Sberbank savings certificate is a security that confirms the bank’s obligation to pay deposit deposit, posted by an individual. The certificate differs from a regular deposit in its higher yield and is issued to the bearer. Any operations with the certificate are carried out only upon presentation of a passport.
The security is intended to save and increase the funds of its owner. Sberbank offers an increased interest rate on this product. The bank explains this by saying that the deposit monetary document does not participate in the deposit insurance system, that is, it is not subject to insurance. This allows the bank client to be guaranteed to receive the maximum income from the security.
General characteristics of a savings certificate
A savings certificate is issued and serviced by Sberbank under the following conditions:
- The security is issued only in Russian currency.
- The minimum period for which a certificate is issued is 91 days (3 months). The maximum period is 1095 days (3 years).
- Cannot be extended. The security form cannot be rewritten.
- Registration is possible with a minimum deposit amount of 10 thousand rubles.
- The depositor independently, but within the terms of Sberbank, determines the number of securities convenient for himself, their terms and nominal value.
- The obligation is urgent, that is, it is issued for a specific period specified by the investor.
- The interest rate is fixed when the deposit is made.
- The holder of the paper can present it for payment at any time convenient for him. However, in case early termination deposit income is accrued at an annual rate of 0.01% and is calculated based on the actual period of storage of money.
- The owner can count on payment of interest only at the end of the certificate's validity period.
- Transactions with securities can only be carried out in the personal presence of the client in the banking department that directly works with certificates. (Sberbank has about 10 thousand such branches).
To issue a security, the client must:
- Contact the Sberbank branch that carries out transactions with savings securities. You must have an identification document with you.
- Decide on the number of certificates he wants to purchase, choose the terms and denomination.
- Pay for the certificate. This can be done either in cash or through a deposit kept in the bank.
- Receive a security in your hands.
Certificate details
The bearer certificate form must be completed accordingly. The absence of any information makes it invalid. When registering a security with Sberbank, the client must carefully check the completion of all details:
- In the “Name” column you must indicate “Certificate of Deposit to Bearer”;
- The reason for issuing the paper is the client’s deposit of cash savings;
- Date of deposit;
- The deposit amount for which the document is drawn up must be indicated both in numbers and in words;
- The bank's obligation to return the amount that was made as a deposit unconditionally is noted;
- The date when the beneficiary will claim the amount under the monetary document;
- Interest rate, established by Sberbank for using the deposit;
- The amount that the client will receive upon expiration of the security term;
- Full name and address of the institution that issues the certificate;
- On the bank’s part – signatures of employees who have the authority to approve obligations, sealed with the seal of Sberbank.
Interest in 2017 on Sberbank savings certificates
As of July 2017, Sberbank established the following interest rates for savings certificates:
| Validity period of the security (days) | Deposit amount (rubles)/annual interest rate (%) | ||||
| 10 thousand - 50 thousand | 50 thousand - 1 million | 1 million - 8 million | 8 million - 100 million | More than 100 million | |
| From 91 to 180 | 0,01 | 6,00 | 6,80 | 7,45 | 7,85 |
| From 181 to 365 | 0,01 | 6,35 | 7,15 | 7,80 | 8,20 |
| From 366 to 730 | 0,01 | 6,35 | 7,15 | 7,80 | 8,20 |
| From 731 to 1094 | 0,01 | 6,35 | 7,15 | 7,80 | 8,20 |
| 1095 | 0,01 | 6,35 | 7,15 | 7,80 | 8,20 |
Payment of interest on savings deposit carried out by the bank upon expiration of the certificate, that is, simultaneously with the repayment of the obligation.
Sberbank provides for the transfer of a security by its owner to another person. This can only be done during the validity period of the deposit. Thus, the depositor has the right to give the certificate to one of his relatives or friends.
The transfer procedure does not provide for the conclusion of additional agreements or the implementation of transfer records. It is enough to simply present the certificate to a specific person. 
Features of the Sberbank savings certificate
The investor needs to pay attention to the following important points:
- A security carries an increased risk when stored at home. In case of loss, the depositor loses the opportunity to exercise his rights under the deposit. Any other person can convert the certificate into cash without claims from the banking institution.
- In the event of a bank bankruptcy or license revocation, the owner will not be able to immediately access his funds, since the certificates are not insured in the deposit system of individuals. The depositor who kept his funds on deposit will be placed in the general queue of creditors of the banking institution.
- Sberbank within some credit programs accepts a savings certificate as collateral for a loan. The security is considered a highly liquid collateral for loans issued for short periods.
- The procedure for registering and repaying an obligation can only be carried out in certain Russian offices of Sberbank.
To minimize risks, Sberbank offers its clients to use free service responsible storage of a certificate of deposit. To do this, an agreement is concluded in accordance with the established procedure, according to which the paper is stored in a banking institution. 
Restoration of rights
In case of loss of a security, the investor can restore his rights to it in court. The procedure is carried out at the place where the certificate is issued. The client will be required to submit a corresponding statement, on the basis of which the court will make a decision to invalidate the paper. The applicant thus becomes entitled to issue a new certificate.
Certificate Holder Services
Transactions with Sberbank securities are not carried out in every branch. To pay for certificates, the client must contact structural subdivision a bank that specializes in working with this type of obligation, namely an additional office, a cash desk that conducts operations outside the cash desk of the territorial institution. The list of branches can be found on the official website of the bank.
The client must have with him a passport of a citizen of the Russian Federation or some other document proving his identity, and also present the security itself.