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EnglischBGB 1082 The instrument and the renewal certificate , at the request of the usufructuary or the owner , must be deposited at a depositary institution with the stipulation that delivery may be requested only by the usufructuary and the owner jointly . The usufructuary may also require deposit at the [ Reichsbank ] , at the [ Deutsche Zentralgenossenschaftskasse ] or at the [ Deutsche Girozentrale ] ( [ Deutsche Kommunalbank ] ) .