When a PIN must be stored for reference purposes, it must be stored in: a. Cleartext form
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When a PIN must be stored for reference purposes, it must be stored in:
a. Cleartext form in case the PIN has to be reissued at some stage because the customer has forgotten their PIN
b. Ciphertext form produced only from a reversible encryption algorithm
c. Ciphertext form produced only from an irreversible encryption algorithm
d. Ciphertext form that is a function of the account number
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