I don't believe that the SAR involves the sale or payment of a product or instrument, so item 52 (paying or selling location) should be left blank.
For item 39, also a blank. There was no product involved
For item 40, check funds transfer, and also check box "z" and insert ACH in the "list below"
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8