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EnglischBGB 676c. 3 To the extent not otherwise stipulated , there may be no provisions deviating to the disadvantage of the transferor from those of sections 675 ( 1 ) , 676a and 676b and subsection ( 1 ) whose transferor is a banking institution , that exceed the amount of 75,000 euros , or that are to be credited to an account at a banking institution with its seat outside the European Union and the European Economic Area .