The Credit Register Regulations Of The Technical

Original Language Title: Kredītu reģistra tehniskie noteikumi

Read the untranslated law here: https://www.vestnesis.lv/ta/id/167095

The rules of the Bank of Latvia No. 10.2007 in Riga November 15 credit registry technical rules Issued in accordance with article 106.1 of the law of credit institutions, the first, second, third and fourth, credit unions in article 27.1 of the law first, second, third and fifth, and under the supervision of the insurance companies Act, of the first 3 second, third and fifth and ground vehicle owners civil liability compulsory insurance act the first 51.2 the second, third, and fifth 1. General questions 1. "credit registry technical regulations" (hereinafter-the rules) determines: 1.1. Credit registry rules of operation;
1.2. the arrangements for the bank, the bank's subsidiary company providing the credit risk related financial services (hereinafter – the bank's subsidiary company), credit unions, insurers and the Latvian Office of the insurer of the vehicle (hereinafter LTAB) provides details of the Bank of Latvia for their borrowers and borrower, guarantor of their commitments and their status (hereinafter referred to as the message);
1.3. the order in which the credits register messages are provided to the bank, the subsidiary of the bank, Credit Union, insurer, LTAB and financial and capital market Commission (FCMC hereinafter);
1.4. the bank, a subsidiary of the bank, credit unions, insurers, and THEY charge for Credit LTAB register in connection with the use of additional user registration and payment arrangements.
2. Reporting and issuing general provisions 2. participant in the credit register (hereinafter referred to as the participant) provides all the information, except where the rules provide otherwise. Providing news, attendees noted, using the Latin alphabet, t.sk. Latvian language letters with the relaxation and garumzīm.
3. Participant can correct all the credit in the registry, except for the 3.1-3.8, 4.13 and 6.7. sub-chapter. If the credit register 3.1-3.8, 4.13, or 6.7. sub-chapter news changes or is incorrect, the participant is cancelled.
4. fix the credit register in the news, again offers all the messages, which include the news group, which includes editable message. To edit the credit register in the news for the borrower or borrower's guarantor, t.sk. the person who, in accordance with the Treaty, or, having been convicted by a final court ruling on subrogation performance is an insurer an obligation to pay or the amount that insurers LTAB or paid this person LTAB (hereinafter regresāt), or regresāt, the guarantor for the borrower or borrower posts the guarantor's obligations, 6.12-6.16. sub-chapter. the debtor's information about 6.18-6.22 regresāt or subsection of the debtor referred to information about members of the guarantor, regresāt again offers all the details of the borrower or borrower's guarantor , t.sk. regresāt or regresāt is the guarantor for the borrower, and the news or the borrower's guarantor's obligations, 6.12-6.16. sub-chapter. the debtor's information about 6.18-6.22 regresāt or subsection of the debtor referred to information on regresāt's guarantor.
5. To correct or withdraw credit register in the news for the borrower or borrower's guarantor, t.sk. regresāt or regresāt, a member of the guarantor of all borrowers or borrower, guarantor of t.sk. regresāt or regresāt, this borrower's guarantor or guarantor's or borrower's regresāt or regresāt the guarantor's undertaking. Cancelling the credit register in the news for the borrower or borrower's guarantor, t.sk. regresāt or regresāt's guarantor, news of the borrower, the borrower's guarantor, t.sk. regresāt or regresāt the guarantor, borrower or borrower's guarantor or regresāt or regresāt the guarantor's obligations and their status is automatically void.
6. The details of the borrower's liabilities in the balance at the end of the calendar quarter, the Bank of Latvia at the Member's request, issue a credit or THEY register the last member information on the borrower's liabilities balance at the end of the calendar quarter.
3. News of the borrower and the BORROWER's guarantor of SUPPLY conditions 3.1. Identity number 7. "ID code" provides that if the borrower or borrower's guarantor, t.sk. regresāt or regresāt was the guarantor, in accordance with the provisions of the Bank of Latvia "monetary financial institutions a monthly balance report and preparation of the annex rules", which had been approved by the Bank of Latvia Council July 12, 2001 decision No 88/7, or replacement legislation is a physical person-resident (resident) that ID code granted the Republic of Latvia, the citizenship and Immigration Department, or a non-resident (non-resident) having the ID number allocated by the competent institution in the home Member State.
3.2. Entry into the Republic of Latvia valid travel document number 8. "entry in the Republic of Latvia valid travel document number" gives the borrower or borrower's guarantor, t.sk. regresāt or regresāt, is the guarantor of non-resident natural person.
9. Giving message "entry in the Republic of Latvia valid travel document number", indicates entry into the Republic of Latvia valid travel document number. If the borrower or borrower's guarantor, t.sk. regresāt or regresāt, is the guarantor of non-resident natural person who does not enter the Republic of Latvia, the identity document number.
3.3. Entry into the Republic of Latvia valid travel document issuing country code 10. "entry in the Republic of Latvia valid travel document issuing country code" provides that if the borrower or borrower's guarantor, t.sk. regresāt or regresāt, is the guarantor of non-resident natural person.
11. Giving message "entry in the Republic of Latvia valid travel document issuing country code" indicates entry into the Republic of Latvia valid travel document issuing country code according to the standard LVS EN ISO 3166-1:2007 "national and territorial districts name. Part 1: country codes "(hereinafter – the LVS EN ISO 3166-1:2007) or other standard. If the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor is a natural person, not a non-resident of the Republic of Latvia, shall be appointed by the person in the document issuing country supporting code in accordance with LVS EN ISO 3166-1:2007 or other standard.
3.4. date of birth

12. "date of birth" gives the borrower or borrower's guarantor, t.sk. regresāt or regresāt, is the guarantor of non-resident natural person.
3.5. The unified registration number 13. "single number" gives the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor has legal person resident.
3.6. the code of the country of registration 14. "registration code" provides that if the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor has legal entity non-resident.
15. Giving the message "registration code", indicates the country code in accordance with LVS EN ISO 3166-1:2007 or other standard.
3.7. Registration number 16. "registration number" gives the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor has legal entity non-resident.
3.8. Registration date 17. "registration date" provides the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor has legal entity non-resident.
3.9. the first name and last name 18. "name and surname" provides, if the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor is a natural person.
3.10. the name 19. "Name" gives the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor has legal person.
3.11. Legal address 20. "registered office" provides, if the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor has legal entity non-resident.
3.12. The income volume 21 "income amount" provides, if requested by the borrower of the State Revenue Service (hereinafter – the ENVIRONMENT) a statement of the borrower's income or content equivalent of another tax administration certificate or if a member has acquired the publicly available information about the borrower, who is a public officer, income in accordance with the consumer protection law, article 8, paragraph 1, the fifth subparagraph.
22. Giving message "income amount", indicates the ENVIRONMENT certificate of the borrower's income, in terms of content in the other country's equivalent of the tax administration certificate or public officers specified in the borrower's income statement for the previous tax year before the contract from which the borrower's liabilities.
3.13 23. providing the Status message "Status" indicates whether the status is the borrower or borrower's guarantor, regresāt, t.sk. regresāt of the guarantor.
3.14 24. Category "category" gives the operator who is a bank or a bank subsidiary.
25. the message "category" provides, if the borrower is a legal person.
26. providing news "category", indicate the category of borrowers under the classification (annex 1).
4. message for the borrower and the guarantor's obligations to PROVIDE BORROWERS prerequisites 4.1 the borrower's obligations to the way 27. Providing "borrower relationship type", indicates a borrower's obligations in accordance with the classification (annex 2).
4.2. Economic sector 28. "economic sector" gives the operator who is a bank or a bank subsidiary.
29. the "economic sector" provided, if the borrower is a legal person who is not a resident of the municipality or a private individual (natural person or private-law legal person) who is a non-profit institution.
30. If the borrower's commitment end date is not more than one (1) year after the borrower's obligations start date, providing "economic sector", indicates the borrower a permanent economic sectors of economic activity under classifier (annex 3), determined in accordance with NACE Rev. 2. nomenclature, as laid down in Regulation (EC) No 1893/2006 of 20 December 2006 establishing the NACE Rev. 2. the statistical classification of economic activities in the and amending Council Regulation (EEC) No 3037/90 and certain EC regulations on specific statistical domains (hereinafter – NACE Rev. 2. nomenclature) ".
31. If the borrower's commitment end date is more than one (1) year after the borrower's obligations start date, providing "economic sector", indicate the economic sector, the development of which the borrower to the borrower's obligations in accordance with the classification (annex 3), determined in accordance with NACE Rev. 2. nomenclature.
4.3. The borrower's liabilities start date 32. When giving a message "the borrower's liabilities start date" indicates the contract from which the borrower's obligations, the effective date (the date of conclusion of the contract or the agreement, this Treaty, the date of entry into force).
4.4. The borrower's commitment end date 33. Giving a message "the borrower's commitment end date" indicates the contract from which the borrower's obligations specified date when the borrower's obligations must be completed (payment card credit-payment card expiration date). If a borrower's liability shall cease before the contract from which the borrower's obligations, due date, specify the obligations of the borrower's actual termination date.
4.5. The borrower's commitment 34. providing "the borrower's commitment", indicates the contract from which the borrower, the borrower's obligations specified (billing card credit-credit limit amount, the mortgage credit or financial leasing, credit principal operational leasing-lease payments total credit to the customer's claim (factoring) – factoring limit amount URu.tml.). If the syndicated credit issued, giving the message "the borrower's commitment", the syndicated credit in the amount of shares issued by a member.
4.6. The borrower's liabilities currency code 35. Giving message "the borrower's liabilities currency code", specifies the currency in accordance with the standard EN ISO 4217:2003 currency and resources "code" (hereinafter referred to as the LVS ISO 4217:2003) or other standard.
4.7. Interest rates way 36. Giving message "rate type" indicates whether the contract from which the borrower's obligations, fixed or variable interest rate.
4.8. indication of the syndicated credit 37. "indication of the syndicated credit" provides, if a participant is issued by a borrower syndicated credit.
4.9. Losses 38. "losses" shall provide the participant which is a bank, a subsidiary of the bank or Credit Union.
39. "losses" shall provide, if written down borrowers, excluding it from its own balance sheet.
4.10. the kind of Security

40. the message "type" gives the participant which is a bank, a subsidiary of the bank or Credit Union.
41. Giving the message "type" indicates, for each contract, from which derives the borrower, a certain security in accordance with the classification (annex 4). If the contract derives from the borrower, the borrower is fixed security, giving the message "type" indicates that the engagements of the borrower is not security.
4.11. The collateral value 42. "security" provides membership, which is a bank, a subsidiary of the bank or Credit Union.
43. The message "security" provides, in the case of contracts, from which derives the borrowers, set one or more of the securities borrower.
44. providing "assurance value" indicates, for each contract, from which derives the borrower, the borrower's obligations set out in the fair value of the collateral. If one of more of the borrower provided security, specify the part of the fair value of the collateral, which in accordance with the Member's decision to provide certain borrower obligations. If the syndicated credit granted and issued to the participants in the syndicated loan for part of the security set is a part of the security by providing "security", specifies this part of the fair value of the security.
4.12. the Securities Exchange code 45. message "currency code" provides that a member's bank, a subsidiary of the bank or Credit Union.
46. The message "currency code" provides that if the contract from which the borrower obligations, set one or more of the securities borrower.
47. Giving message "currency code", specifies the currency in accordance with EN ISO 4217:2003 or other standard.
4.13. The borrower's liabilities 48. providing identification of the message "the borrower's obligations to the identifier", independently of the obligations of the borrower granted a unique symbol string (maximum 35 characters) by which the details of the borrower's obligations can be identified among the other members of this Credit given the information in the register of that Member's or guarantor of borrower borrower obligations.
4.14. The borrower's obligations or preparation for entering the date and time of 49. "borrower's obligations or preparation for entering date and time" is formed automatically when the Member provides news about the borrower's liabilities.
50. As reported in the "borrower's obligations or preparation for entering date and time" indicates the date and time at which the message of the borrower's liabilities recorded in the credit register.
4.15. concerning the borrower's liabilities News provider 51. message "message for obligations of the borrowers ' formed automatically when the Member provides news about the borrower's commitment to compensation.
52. As reported in the "message for obligations of the borrowers ' indicates the Member who gives news about the borrower's liabilities, name.
4.16. the message of the borrower's obligations the supplier authorized person 53. message "message for obligations of the provider the borrower's authorised person" created automatically when the Member provides news about the borrower's liabilities.
54. As the message "message for obligations of the provider the borrower's authorised person" indicates the Member who gives news about the borrower's obligations, authorized natural persons (hereinafter user) name.
4.17. The borrower's guarantor's obligations start date 55. "borrower's guarantor's obligations start date" gives the borrower the guarantor's undertaking if the start date is different from the borrower's liabilities start date.
56. in giving message "borrower's guarantor's obligations start date" indicates the contract from which the borrower's guarantor, the effective date (the date of conclusion of the contract or the agreement, this Treaty, the date of entry into force).
4.18. The borrower's guarantor's obligations end date 57. "borrower's guarantor's obligations end date" gives the borrower the guarantor's undertaking if the end date is different from the end date of the commitment of the borrower.
58. Giving message "borrower's guarantor's obligations end date" indicates the contract from which the borrower's guarantor's undertaking, the specific date on which the borrower's guarantor liability ceases. If the borrower's guarantor's undertaking shall cease before the contract from which the borrower's guarantor's obligations, the specific date, borrower's guarantor's undertaking the actual expiration date.
4.19. The borrower's guarantor liability volume 59. "borrower's guarantor's commitment", where the borrower's guarantor gives head on the part of the borrower's liabilities.
60. in giving message "borrower's guarantor's commitment", indicates the contract from which the borrower's guarantor, the guarantor of borrower's specific commitment.
4.20. The borrower's guarantor liability currency code 61. "borrower's guarantor liability currency code", where the borrower's guarantor gives head on the part of the borrower's liabilities.
62. in giving message "borrower's guarantor liability currency code", specifies the currency in accordance with EN ISO 4217:2003 or other standard.
5. the message of the borrower's liabilities in the balance at the end of the calendar QUARTER REPORTING prerequisites 5.1. Borrower's unspent amount 63. providing "the borrower the amount of the balance of obligations", indicate the reporting period (calendar quarter) at the end of the borrower the amount of the balance of commitments (payment of credit cards-you actually paid the amount of credit, mortgage credit or capital lease-residual credit principal operational leasing-lease payments total balance, a credit to the customer's claim (factoring) – loans actually paid out URu.tml.).
5.2. obligations of the borrower's currency code 64. Giving a message "the borrower's liabilities currency code", specifies the currency in accordance with EN ISO 4217:2003 or other standard.
5.3. The borrower classification group 65. "the classification of borrowers in the group" gives the participant which is a bank, a subsidiary of the bank or Credit Union.

66. in giving message "borrower classification group ', indicate the borrower's obligations in accordance with the classification group (annex 5), determined in accordance with the FCMC regulations" assets and off-balance-sheet liabilities valuation rules ", which had been approved by the FCMC Council of 21 December 2001 decision (hereinafter – the FCMC regulations).
5.4. Special provisions for credit to the principal message 67. Special provisions for the principal amount of the credit "gives the Member, which is a bank, a subsidiary of the bank or loan company stock.
68. in giving "special provisions for the principal amount of the loan", indicates the obligations of the borrower the loan principal in line with the FCMC regulations created special reserve. If you can not separate the special reserve credit to the principal and interest amount separately, as "special provisions for the principal amount of the loan" indicates the total amount of the special reserve.
5.5. Special Reserve credit to the principal currency code 69. "special reserve credit to the principal currency code" provides that a member's bank, a subsidiary of the bank or Credit Union.
70. in giving "special reserve credit principal currency code", specifies the currency in accordance with EN ISO 4217:2003 or other standard.
5.6. The borrower's commitment to quality form 71. "the borrower's liabilities in the form of quality" gives the Member that is a bank, a subsidiary of the bank or loan company stock.
72. in giving "the borrower's commitment quality type" indicates whether the borrower's commitment to quality is assessed individually or mixed credit group, determined in accordance with the FCMC regulations.
5.7. the absence period 73. "late period" provides membership, which is a bank, a subsidiary of the bank or Credit Union.
74. "late period" provides, if in accordance with the Treaty, it follows from the borrower's obligations in force in the reporting period (calendar quarter) last the end of the day, be considered delayed.
75. Giving message "late period", indicates the number of days of delay.
5.8. The borrower's obligations delayed principal 76. "borrower obligations delayed principal" gives a member which is a bank, a subsidiary of the bank or Credit Union.
77. "the borrower's obligations to the delayed amount" provided if, in accordance with the Treaty, it follows from the borrower's obligations in force in the reporting period (calendar quarter) last the end of the day, the late principal payment. If you can't distinguish between a borrower's liability for delayed principal of the delayed interest amounts, as reported in the "borrower's principal obligations delayed" indicates the absence of a total commitment of the borrower.
5.9. The borrower's obligations delayed principal currency code 78. "borrower obligations delayed principal currency code" provides that a member's bank, a subsidiary of the bank or Credit Union.
79. "the borrower's obligations delayed principal currency code" provides that if, in accordance with the Treaty, it follows from the borrower's obligations in force in the reporting period (calendar quarter) last the end of the day, the late principal payment.
80. in giving message "borrower obligations delayed currency code of the reference" specifies the currency in accordance with EN ISO 4217:2003 or other standard.
5.10. the delayed interest amount 81. message "delayed interest" gives a member which is a bank, a subsidiary of the bank or Credit Union.
82. The message "delayed interest" gives, if in accordance with the Treaty, it follows from the borrower's obligations in force in the reporting period (calendar quarter) last the end of the day, late payment interest and late interest can be separated from the borrower's obligations delayed principal.
5.11. the delayed interest amount currency code 83. message "delayed interest amount currency code" provides a member which is a bank, a subsidiary of the bank or Credit Union.
84. The message "delayed interest amount currency code" provides that if, in accordance with the Treaty, it follows from the borrower's obligations in force in the reporting period (calendar quarter) last the end of the day, late payment interest and late interest can be separated from the borrower's obligations delayed principal.
85. in giving message "delayed interest amount currency code", specifies the currency in accordance with EN ISO 4217:2003 or other standard.
5.12. The calendar quarter 86. Giving message "calendar quarter", with Arabic numerals indicate the year and quarterly order numbers.
6. Provision of information to the debtor's late payment conditions 6.1. date 87. "late payment date" provided where: 87.1. the borrower, t.sk. regresāt prevents the contract from which the borrower's obligations or agreement or court order for subrogation enforcement down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency;
87.2. the borrower's guarantor, t.sk. regresāt the guarantor, hampered Treaty, from which the borrower's guarantor, t.sk. the obligations of the guarantor, regresāt, a down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency.
88. providing "late payment date", indicate the date from which the borrower or borrower's guarantor, t.sk. regresāt or regresāt, the guarantor shall prevent the agreement from which the borrower's commitment, agreement or court order of the subrogation or agreement from which the borrower's guarantor, t.sk. the obligations of the guarantor, regresāt, down payment ("late payment date" does not give a repeatedly until the message "provided late payment due date").
6.2. Late payment due date 89. "late payment due date" provided by "date of" late payment if: all paid late 89.1. contracts, from which derives the borrower's obligations or agreement or a court order for the execution of specific recourse payments;
89.2. all delayed contracts paid from which the borrower's guarantor, t.sk. regresāt the guarantor's obligations, certain payments,.

90. providing "late payment due date", indicate the date in which all hinder the paid in full agreement, it follows from the borrower's commitment, agreement or court order of the subrogation or agreement from which the borrower's guarantor, t.sk. regresāt the guarantor's obligations, certain payments,.
6.3. Article 73 of the law of credit institutions the requirement date 91. violation of Terms "article 73 of the law of credit institutions the requirement date of the infringement" provides, if the borrower or borrower's guarantor of the credit institutions act violated article 73.
92. in giving message "73 of the law of credit institutions claim infringement of article date" indicates the date the borrower or borrower's guarantor of the credit institutions act violated article 73.
6.4. Article 73 of the law of credit institutions, the nature of the infringement of requirements 93. "the law of credit institutions claim infringement of article 73 of the way" gives the borrower, if the borrower or the guarantor of the credit institutions act violated article 73.
94. Giving a message "of the law of credit institutions, article 73 of the nature of the irregularity", indicates a violation of the law of credit institutions, article 73, in accordance with the classification requirements (annex 6).
6.5. other substantial breach of contract date 95. "other relevant date of breach of contract" provided where: 95.1. borrower, t.sk. regresāt, breach, and other members of the relevant treaty, from which the borrower's obligations, or the agreement on the implementation of the requirement of recourse;
95.2. borrower's guarantor, t.sk. regresāt, breach of the guarantor, and the other members of the relevant treaty, from which the borrower's guarantor, t.sk. regresāt the guarantor's obligations, requirements.
96. providing "other relevant date of breach of contract", indicate the date on which the borrower or borrower's guarantor, t.sk. regresāt or regresāt, breach of the guarantor, and the other members of the relevant treaty, from which the borrower's obligations, the agreement on implementation of recourse or the contract from which the borrower's guarantor, t.sk. regresāt the guarantor's obligations, requirements.
6.6. Other relevant description of the breach of contract 97. "other relevant description of the breach of contract" provided where: 60.3. the borrower, t.sk. regresāt, breach, and other members of the relevant treaty, from which the borrower's obligations, or the agreement on the implementation of the requirement of recourse;
97.2. borrower's guarantor, t.sk. regresāt, breach of the guarantor, and the other members of the relevant treaty, from which the borrower's guarantor, t.sk. regresāt the guarantor's obligations, requirements.
98. providing "other relevant description of the breach of contract", specifies the contract on which the borrower's obligations, the agreement on implementation of recourse or the contract from which the borrower's guarantor, t.sk. regresāt the guarantor's obligation, requirement, violated.
6.7. identification of the debtor's information 99. If the debtor gives information about the borrower or borrower's guarantor, t.sk. regresāt or regresāt the guarantor, providing "Debtor information identifier", participant, independently assign a unique symbol of the debtor information series (up to 16 characters) that the debtor's information one borrower and borrower's guarantor, t.sk. regresāt and regresāt the guarantor's obligations within the identification between all the Credit of the debtor in the register information, the borrower and the borrower's guarantor, t.sk. regresāt and regresāt the guarantor's obligations.
6.8. the information of the debtor or the date and time of preparation of the 100. "the information of the debtor or the date and time of preparation" is formed automatically when the Member provides the debtor information.
101. As the message "the information of the debtor or the date and time of preparation" indicates the date and time information recorded in the debtor's Credit Register.
6.9. The debtor's information provider 102. "the debtor's information provider" is formed automatically when the Member provides the debtor information.
103. As reported in the "information provider of the debtor" indicates the Member who provided information, name of the debtor.
6.10. the information of the debtor's authorised person 104. "the information of the debtor's authorised person" created automatically when the Member provides the debtor information.
105. As reported in the "information provider of the debtor's authorised person" indicates the Member who provided the debtor information, user name, and last name.
6.11. Regresāt generation of relation base 106. "the relationship occurred Regresāt Foundation" if: 106.1. regresāt provided to prevent the agreement or court order for subrogation enforcement down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency;
106.2. regresāt by whom another Member rating, substantial agreement on the implementation of the requirement of recourse.
107. in giving "the relationship occurred Regresāt Foundation", indicates if the regresāt obligations arising from an agreement or court order for recourse.
6.12. connection type of Regresāt 108. "Regresāt the relationship type" provides that: 108.1. regresāt obstructing agreement or court order for subrogation enforcement down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency;
108.2. regresāt violated by members of other, rating, a substantial agreement on the implementation of the requirement of recourse.
109. The insurer shall provide the message "Regresāt relationship", indicate the policy under which the insurer paid insurance claims, regresāt, instead of a specified class according to the classification (annex 7). LTAB, giving "Regresāt", the type of connection point class "Sa ground vehicle liability insurance".
6.13. Regresāt commitment start date 110. "Regresāt the start date of the commitment" given where: 110.1. regresāt obstructing agreement or court order for subrogation enforcement down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency;

110.2. the regresāt violated another, by Member, substantial agreement on the implementation of the requirement of recourse.
111. in giving message "Regresāt commitment start date", the contract for the execution of recourse effective date (the date of conclusion of the contract or the agreement, this Treaty, the date of entry into force) or a court ruling on subrogation enforcement date of entry into force.
6.14. Regresāt commitment end date 112. "Regresāt commitment end date" given where: 112.1. regresāt obstructing agreement or court order for subrogation enforcement down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency;
112.2. regresāt violated by members of other, rating, a substantial agreement on the implementation of the requirement of recourse.
113. in giving message "Regresāt commitment end date" indicates agreement or court order for subrogation enforcement down the date on which the obligations of regresāt must be met. If regresāt liability ceases before the agreement or court order for subrogation performance on a specific date, specify the regresāt relation to the actual date of termination.
6.15. the commitment Regresāt 114. "Regresāt commitment" given where: 114.1. regresāt obstructing agreement or court order for subrogation enforcement down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency;
114.2. regresāt violated another, by Member, substantial agreement on the implementation of the requirement of recourse.
115. in giving message "Regresāt commitment", indicate agreement or court order for subrogation performance commitment defined regresāt.
6.16. Regresāt liabilities currency code 116. "Regresāt liabilities currency code" provides that: 116.1. regresāt obstructing agreement or court order for subrogation enforcement down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars or equivalent of this amount in foreign currency;
116.2. regresāt violated by members of other, rating, a substantial agreement on the implementation of the requirement of recourse.
117. in giving message "Regresāt currency code of obligations", specifies the currency in accordance with EN ISO 4217:2003 or other standard.
6.17. Regresāt generation of the guarantor's undertaking basis 118. "Regresāt the emergence of the guarantor's undertaking the Foundation" created automatically when a participant provides information on regresāt of the debtor's guarantor.
119. As "Regresāt the emergence of the guarantor's undertaking basic" indicates that the regresāt the guarantor's obligations arising from the contract.
6.18. the guarantor's undertaking of the Regresāt type 120. "Regresāt the guarantor's undertaking of the type" formed automatically when the Member gives information about the debtor's guarantor regresāt.
121. As "the guarantor's undertaking form Regresāt" the insurer shall indicate the policy under which the insurer paid insurance claims, regresāt, instead of a specified class according to the classification (annex 7), LTAB-class "road vehicle liability insurance".
6.19. Regresāt the guarantor's obligations start date 122. "Regresāt the guarantor's obligations start date" provides that: the guarantor 122.1. regresāt prevents the contract from which the stems of the guarantor's undertaking regresāt, a down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars the amount of money or the equivalent in a foreign currency, and the guarantor's undertaking if the regresāt start date is different from the regresāt commitment start date;
regresāt guarantor of 122.2. violated another, by Member rating, essential contract, from which derives the guarantor's obligations, regresāt and regresāt of the guarantor's undertaking if the start date is different from the regresāt commitment start date.
123. in giving message "Regresāt the guarantor's obligations start date", from the contract, which follows regresāt the guarantor's undertaking, the effective date (the date of conclusion of the contract or the agreement, this Treaty, the date of entry into force).
6.20. the guarantor's obligations Regresāt end date 124. "Regresāt the guarantor's obligations end date" given when: the guarantor 124.1. regresāt prevent the Treaty from which follows regresāt the guarantor's commitment to compensation, a down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars the amount of money or the equivalent in a foreign currency, and the guarantor's undertaking if regresāt end date is different from the end date of the context regresāt;
regresāt guarantor of 124.2. violated another, by Member rating, essential contract, from which derives the guarantor's obligations, regresāt and regresāt of the guarantor's undertaking if the end date is different from the regresāt commitment end date.
125. in giving message "Regresāt the guarantor's obligations end date" of the contract, which follows regresāt the guarantor's undertaking, the specific date when regresāt the guarantor's undertaking shall cease. If regresāt the guarantor's undertaking shall cease before the Treaty, from which follows regresāt the guarantor's undertaking, the specific date, specify regresāt the guarantor's undertaking the actual expiration date.
6.21. the guarantor's undertaking of the Regresāt volume 126. "Regresāt the guarantor's commitment provides that: the guarantor 126.1. regresāt prevent the Treaty from which follows regresāt the guarantor's obligations, a down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars the amount of money or the equivalent in a foreign currency, and if the head of the guarantor on the regresāt part of the regresāt commitment;
126.2. regresāt the guarantor, and other participants in breach of the relevant treaty, from which it follows regresāt the guarantor's undertaking, the guarantor of the requirements and if the head of the regresāt part of the regresāt commitment.
127. in giving message "Regresāt the guarantor's commitment" from the contract, which follows regresāt the guarantor, the guarantor's undertaking of certain regresāt.
6.22. the guarantor's obligations Regresāt currency code 128. "Regresāt the guarantor's undertaking currency code" provides that:

128.1. the guarantor shall prevent the Treaty regresāt, from which follows regresāt the guarantor's undertaking, a down payment for more than 60 calendar days, and if all the late payments, t.sk. interest and penalties, at least 100 dollars the amount of money or the equivalent in a foreign currency, and if the head of the guarantor on the regresāt part of the regresāt commitment;
128.2. regresāt of the guarantor, and other participants in breach of the relevant treaty, from which it follows regresāt the guarantor's undertaking, the guarantor of the requirements and if the head of the regresāt part of the regresāt commitment.
129. in giving message "Regresāt the guarantor's undertaking currency code", specifies the currency in accordance with EN ISO 4217:2003 or other standard.
7. Information about modified messages REVERSED the PROVISION and prerequisites 7.1. message correction or cancellation date 130. message "message edit or cancellation date" is formed automatically when the Member is right or withdraw credit register in the news.
131. As the message "message edit or cancellation date" indicates the date on which the credit register in the news right or withdraw.
7.2. the correction or cancellation of news time 132. message "message edit or cancellation time" is formed automatically when the Member is right or withdraw credit register in the news.
133. As a message "message edit or cancellation time" indicates the time at which the credit register in the news right or withdraw.
7.3. indication of the correction or cancellation of terms 134. message "indication of the correction or cancellation of the terms" created automatically when a member right or withdraw credit register in the news.
135. As "an indication of the correction or cancellation of the terms" indicates whether a participant in the credit register news right or withdraw.
7.4. the corrected or cancelled items 136. message "corrected or withdrawn" are formed automatically when the Member is right or withdraw credit register in the news.
137. As a message "corrected or withdrawn" indicates the Member who right or withdraw the credit register message, corrected or cancelled message.
7.5. the correction or cancellation of the Terms justification 138. providing message "message edit or cancellation justification", specifies the conditions in which the Member or withdrawing credit register in the news.
7.6. message or anulētāj of the corrector 139. message "message in the corrector or anulētāj" created automatically when a member right or withdraw credit register in the news.
140. As news "reporting corrector or anulētāj" indicates that the right of a participant or revoke the credit register, the message name.
7.7. News labotāj or authorized person anulētāj 141. message "message to labotāj or anulētāj authorized person" created automatically when a member right or withdraw credit register in the news.
142. As the message "message labotāj or anulētāj authorized person" indicates that the right of a participant or withdraw credit register in the message, the user's name.
8. Information about the message DELIVERY requests prerequisites 8.1. request the message date 143. message "message request date" is formed automatically when the Member or request a Credit Register of the FCMC existing message.
144. As the message "message request date" indicates the date on which the message request is recorded in the register of Credit.
8.2. message request time 145. message "message request time" is formed automatically when the Member or request a Credit Register of the FCMC existing message.
146. As the news "post request time" indicates the time at which the message request is recorded in the register of Credit.
8.3. Post applicant 147. message "message to the applicant ' formed automatically when the Member or request a Credit Register of the FCMC existing message.
148. As the message "message requesting" indicates the name of the applicant.
8.4. details of applicant's authorised person 149. message "message requesting authorized person" created automatically when a member or request a Credit Register of the FCMC existing message.
150. As a message "message requesting authorized person" indicates the requesting user's name.
9. Post the electronic preparation and PROVISION of service, General Member information 151. the Bank of Latvia, a member or request the Bank of Latvia FCMC credit register and the Bank of Latvia register of Credit issued messages to a participant or the FCMC (hereinafter referred to as the message exchange).
152. The data exchanged between the participants and the Bank of Latvia takes place interactively or to a file. News of the borrower's liabilities in the balance at the end of the calendar quarter provided only in the form of a file.
153. The data exchanged between THEY and the Bank of Latvia only interactively.
154. The message exchange takes place in an interactive credit registry website www.kreg.lv.
155. The message exchange takes place in the form of a credit file registry website www.kreg.lv or by using the file-sharing service that the internet address is sftp.bank.lv (hereinafter referred to as the file-sharing service).
156. on behalf of the participant or the FCMC news exchanged FCMC authorised Member or a natural person (hereinafter user), which the participant or the FCMC recorded in Chapter 10 or 15, in that order.
157. the user digitally signs the interactive information.
158. the user encrypts and digitally signs the file type and the information contained in the files provided in the credit register message requests using the Bank's public key.
159. to digitally signed messages and register the Credit report requests, Member or the FCMC and Bank of Latvia concluded contract in writing.
160. the message encrypts and digitally signs with AES-256 and RSA-2048 algorithm.
161. the Bank encrypts and digitally signs the credit information in the registry, which shall be issued in the form of a file, using the public key of the users who have and 166.3 166.4 referred to the credit register usage rights.
162. If a member receives from the Bank of Latvia register of existing messages files, which are not encrypted or digitally signed the order referred to in paragraph 160, the Member or THEY shall forthwith send a notification to the Bank of Latvia on the electronic mail address of the registry in @bank. credit. en.
163. to apply for the credit, the Bank of Latvia puts participant and THEY credit registry security software and assign participant and FCMC software use rights.

164. the Bank granted a credit registry security software use rights of FCMC, and each participant's two users. The credit register maintenance costs related to the credit registry security software license purchase and its technical maintenance required for these users, the participants included in the Latvian Bank 13 September 2007 the provisions of no. 9 "credit registry participant fees for use of the credit register and payment arrangements" or the replacement of the legislative act in that month's pay for the use of the credit register.
165. The Bank of Latvia at the request of the Member or the FCMC within three months of granting the credit registry security software use rights for one or more of the participants or the FCMC additional users. To cover the credit registry maintenance expenses in connection with the credit registry security software license acquisition and its technical maintenance member or additional users, FCMC member or THEY pay a fee to the Bank for the use of the credit register referred to in Chapter 16 and agenda.
166. the user can have the following credit registry usage rights: 166.1. right to provide, t.sk. electronically sign messages interactively;
166.2. right to request credit register news interactive;
166.3. the right to provide, t.sk. encrypt and digitally sign messages file;
166.4. right to request credit information in the registry file, t.sk. encrypt and digitally sign the request;
166.5. right to request information on the interactive participants or users THEY credit registry.
167. a participant requests a 166.3. and Credit referred to 166.4 registry usage rights at least two users, but no more than 10 users.
168. A member can request a file-sharing service usage rights for no more than two users.
169. The participant shall submit to the Bank of Latvia and THEY natural persons or participants can sign on behalf the FCMC 170, 176, 183, 186, 189, 206.. and in paragraph 209, in certain applications and protocols, notarized signature sample.
170. a participant and shall notify the Bank of Latvia FCMC internet addresses from which the participant or the FCMC user interactively connects to the credit register or connect to a file-sharing service, submitting a written Bank of Latvia internet address registration (annex 8).
171. If a change referred to in paragraph 170 of the internet address, the participant or the FCMC on it sends a notification to the Bank of Latvia on the electronic mail address kreditu.registrs@bank.lv from the 174 referred to the electronic mail address or Bank of Latvia submitted a new internet address registration.
172. A member and you can make the exchange of messages THEY each day from noon. 07:00 to noon. 22.00.173. If the message exchange can not be made for technical reasons, the Republic of Latvia on the day from at. 8.30 to noon. 17.30, the Bank of Latvia on the players and THEY sent notification to the participants referred to in paragraphs 174 and FCMC electronic mail addresses.
174. members and THEY give written notice to the Bank of Latvia one or more electronic mail addresses to which the Bank shall forward to the participants and THEY notice referred to in paragraph 173.
175. the Bank shall notify the members in writing and THEY of one or more of the physical person Bank authorised to sign on behalf of the 178, 195, 201.. and 203. documents listed and send members, 201 and 203 173. communications referred to by first name, last name, telephone number and electronic mail address.
10.176. User Registration For registered users, the participant shall submit to the Bank of Latvia or the FCMC written user registration (annex 9).
177. The Bank of Latvia register of users within one working day after user registration date of receipt of the application.
178. After user registration issued by the Bank of Latvia member or user registration code FCMC Transfer Protocol (annex 10), which specifies the user's registration code.
179. the Bank shall issue the Member or user registration code FCMC Transfer Protocol in person. User registration code transfer protocol on behalf of the participant or the FCMC may get its Governor.
180. for user registration code transfer protocol, recipient of the Bank of Latvia presented an identity document and a document showing their right to represent Member or without special authorisation, FCMC or notarized speciālpilnvar on the right, on behalf of the participant or the FCMC to receive user registration code transfer protocol.
181. a member or user of the credit register FCMC introduced in 25 days after the date of registration of the user.
182. In introducing the credit register in the user, the user created the encryption and signing keys using RSA-2048 algorithm.
183. the implementation by users or members of the Bank of Latvia submitted written FCMC user implementation of the Protocol (annex 11). The introduction of the user Protocol on behalf of the participant or the FCMC addition signing user.
184. The credit registry usage rights shall enter into force within one working day after the date when the Bank receives the user's implementation of the Protocol.
185. If user changes referred to in the application for registration the user's e-mail address or phone number, the user shall send notice of the Bank of Latvia on the electronic mail address of the credit. registrs@bank.lv. 11. User rights change 186. To change a user's credit register usage rights, the participant shall submit to the Bank of Latvia or the FCMC written user rights restore application (annex 12).
187. new credit register usage rights shall enter into force within one working day after the date the Bank receives user rights restore Protocol.
12. User's right of CANCELLATION and restoring 188. Member or THEY revoke the user's right to use the credit register, a change in the user's last name, or on its own initiative.
189. To void the user credit registry usage rights, the participant shall submit to the Bank of Latvia or the FCMC written user rights application for cancellation (annex 13).
190. The Bank of Latvia will void the user's authority to use the Credit Register within one working day after the date when the Bank receives the user's right of cancellation.
191. the Bank shall automatically revoke the user's right to use the credit registry, if one of the following conditions:

191.1. the participant or the FCMC has already implemented a user within the time limit referred to in paragraph 181;
191.2. user is not updated in paragraph 200 of the key deadline.
192. the Bank shall credit the user rights in the registry, if one of the following conditions: 192.1. The Bank of Latvia has withdrawn the user credit registry usage rights according to paragraph 191;
192.2. user has forgotten the password to protect the keys;
192.3. user key is corrupted for technical reasons.
193. in order to restore the user's credit register usage rights, the participant shall submit to the Bank of Latvia or the FCMC written user rights restore application.
194. the Bank shall credit the user rights in the registry within one working day after user rights restore the date of receipt of the application.
195. At the user's right to use the credit registry restore Latvian Bank issued to a participant or user registration code FCMC recovery Protocol (annex 14), indicating a renewed user registration code. If THEY are not enforced by the Member or user within the period referred to in paragraph 181, at the user's right to use the credit registry restore Latvian Bank issued to a participant or user registration code FCMC Transfer Protocol, which specifies the user's registration code.
196. the Bank shall issue the Member or user registration code FCMC transfer protocol or user registration code recovery Protocol in person. User registration code transfer protocol or user registration code recovery Protocol on behalf of the participant or the FCMC may get its Governor.
197. for user registration code transfer protocol or user registration code recovery Protocol, recipient of the Bank of Latvia presented in paragraph 180 above.
198. After user registration code transfer protocol or user registration code recovery report participant or the FCMC and Bank of Latvia repeatedly introduces user 181-183 above.
13. the key validity and change of 199. User keys valid for 24 months after the creation of the Credit Register.
200. in order to extend the period of validity of the user key, user key to the validity of the last 100 days of interactive connects credit register and the register of credit automatically creates a new user keys.
14. the BANK's public key, the Bank of Latvia 201. Credit registry internet site www.kreg.lv puts the Bank's public key in electronic form and sent to the members and THEY use the public key of the communication (annex 15) to the user applications for the registration of the above e-mail addresses that have the 166.3. and 166.4 referred to the credit register usage rights. The Bank of Latvia sends the public key to use in the statement after the Bank of Latvia public key validity.
202. the participant or you can use the FCMC Latvijas Banka's public key, if the Latvian Bank received public key checksum matches the public key listed in the notice for the use of the Bank's public key checksum. If the Bank of Latvia received public key checksum does not match the public key referred to in the notice of the Bank of Latvia public key checksum, FCMC on the Member or send a notice to the e-mail address kreditu.registrs@bank.lv.
203. the Bank shall revoke the Bank's public key and sent to the members and withdrawal of the public key of the FCMC's statement (annex 16) to the user applications for the registration of the above e-mail addresses that have the 166.3. and 166.4 referred to the credit register usage rights.
204. the new public key of the Bank of Latvia shall enter into force on the use of the public key of the notice or the notice of cancellation of the public key of the circulation of the moment.
15. File-sharing service to make use of 205. message exchanges using the file-sharing service, the participant uses the SFTP (FTP over SSH (Secure Shell)) client software, which is compatible with the Bank's server software used (Bitvis Limited WinSSHD).
206. The participant shall submit to the Bank a written for the user who made the news on behalf of the participant exchanges using the file-sharing service (hereinafter referred to as the file-sharing service user), registration (annex 17).
207. The Bank of Latvia register file-sharing service users within one working day after the file-sharing service user registration of the date of receipt of the application.
208. the Bank issues the participant file sharing service user name and file Exchange service server checksum on the file-sharing service user registration that electronic mail address.
209. In implementing the file-sharing service user, participant, do the following: create a SSH2 key 209.1. and uses RSA or DSA/DSS 2048-bit public key algorithm;
209.2. integrity hmac-sha1 or used for hmac-md5 algorithm;
use aes128 encryption 209.3./256-cbc-cbc algorithm or 3d;
209.4. saves file sharing service user authentication requires a public key for SSH2 or OpenSSH format and sends it to the Bank of Latvia on the electronic mail address sftp@bank.lv from file-sharing service user in the application for registration in electronic mail addresses.
210. the file-sharing service user's credit register usage rights are valid within one working day after the date when the Bank receives the 209.4, paragraph file-sharing service the user's public key.
211. the file-sharing service user's public key is valid permanently.
212. To void the user file Exchange service user's credit register usage rights, the participant shall submit to the Bank a written file sharing service user's right of cancellation of application (annex 18).
213. the Bank reverses the file-sharing service user's credit register usage rights within one working day after the date when the Bank receives the file-sharing service user rights application for cancellation.

214. the Bank shall notify the members in writing one or more physical persons on behalf of the Bank of Latvia can send participants file sharing service user name and file-sharing server service referred to in paragraph 208 of the checksum in the order, the name, address and electronic mail address.
16. Charges for the use of the credit register in connection with additional user registration and payment arrangements 215. Charges for the use of the credit register in connection with additional user registration consists of a one-time fee, 49.43 lats t.sk. 18% value added tax (hereinafter referred to as the one-time fee) and annual fees, t.sk 11.56 lats. 18% value added tax (hereinafter referred to as annual fee).
216. a member or pay the Bank of Latvia FCMC lump-sum fee of 10 working days after the date of the Bank of Latvia awarded participant or additional user credit FCMC registry security software use rights.
217. a member or pay the Bank of Latvia FCMC annual fee until 15 January each year for the next calendar year.
218. If the participant or the FCMC recorded additional user after 1 January of the current year, the annual fee for the current year of the residual period, after the date on which the Bank gives additional member or user credits THEY register security software use rights, calculated in proportion to the annual fees for the entire calendar year and Member or pay the annual fee, the FCMC part within five working days of notification of the credit register additional users for the use of the entry into force of the law.
219. the lump-sum fee and the annual fee shall be paid into the Bank account 0LVL BIC LACBLV2X LV51 LACB 1750 5010 0.
17. The data exchanged files 220. to provide, t.sk. Edit, or void, the particulars of the borrower, the borrower's guarantor, borrower or borrower or guarantor of the obligations of the debtor's information, the participant prepares a message delivery file.
221. to provide, t.sk. Edit, or void, the particulars of the borrower's liabilities in the balance at the end of the calendar quarter in the form of a file, the participant prepares a file for the remaining balance of the liability.
222. To request credit information in the registry file, the participant prepares a request file, indicating whether these messages available in aggregate or advanced in the report.
223. For the issuing of credit register in the news, the Bank of Latvia prepare a message file.
224. For file processing the results, the Bank of Latvia prepare a response file.
225. the 220-224, paragraph format and structure set out in annex 19.
226. give the file a unique Member name format set out in annex 19.
227. a participant and the Bank of Latvia post indicates 220. – 224. file referred to in paragraph 19 in the format set out in the annex.
18. concluding issues 228. provisions shall enter into force on January 1, 2008.
229. Persons who had the right to use the member name of the Debtor, automatically retrieves the user's status with the following credit registry usage rights: 229.1. persons who had the right to submit a request to the registry of the debtor, the Credit provided under section 166.2 registry usage rights;
229.2. persons who had the right to register for the debtor requests, track messages, Exchange files, with all the requirements in paragraph 166 credit registry usage rights.
230. Persons who had the right to use the name of the debtor, THEY register, automatically retrieves the user's status with the requirements in paragraph 166.2 credit registry usage rights.
231. If the participant or the FCMC on January 1, 2008, contains more than two users, starting with January 1, 2008, and THEY pay an annual fee to the Bank for each additional user.
232. a member until 31 March 2008 to examine the register of Debtors, the former news of the Bank of Latvia, which automatically records the credit register is January 1, 2008, compliance with these rules and the Latvian Bank 13 September 2007 regulations No 8 "credit registry" or the replacement of the regulations to the Act (hereinafter referred to as the credit registry rules). If the information does not match, a member of its right under these terms and the terms of the credit register.
233. the members until June 30, 2008 the news can encrypt and digitally sign, also with the cast-128 and RSA-1024 algorithm.
The Bank of Latvia President i. Rimšēvič in annex 1 the Bank of Latvia on 15 November 2007, regulations No 10 category classification category code of 20 Local insurance company or pension fund 32 other financial intermediaries (except insurance corporations and pension funds) or 31 of the financial palīgsabiedrīb natural persons operating a non-profit institution 90 Micro (average annual number of employees less than 10; annual net turnover not exceeding 2 million euros equivalent in lats or balance sheet total assets not exceeding 2 million euros equivalent in lats) 44 small business (average annual number of employees less than 50; annual net turnover not exceeding 10 million. the euro equivalent in lats or balance sheet total assets do not exceed 10 million. the euro equivalent of ls) 43 medium-sized enterprise (average annual number of employees less than 250 annual net change; does not exceed 50 million euros equivalent in lats or balance sheet total assets do not exceed 43 million euros equivalent in lats) 42 big company (average annual number of employees exceeding 250; annual net sales exceed 50 million euros equivalent in lats or balance sheet total assets exceeded 43 million euros equivalent in lats) 41, the President of the Bank of Latvia i. Rimšēvič in annex 2 of the Bank of Latvia on 15 November 2007, regulations No 10 types of liabilities of the Borrower classification of obligations of Borrower type code increase working capital credit (commercial loan) (loan, t.sk. checking account debit balance (overdraf), non-financial corporations or financial institutions financing for working capital, with the exception of credit, Bill of Exchange, the who listed as billing credit cards or credit to the customer's claim (factoring)) 10 industrial credit (loans issued by non-financial corporations, financial institution or non-profit institutions serving households for the acquisition of fixed assets and other long-term financing for investment projects the exception loans, which are shown as capital lease or mortgage credit) 20 reverse repo deal 30

Bill of Exchange (loans issued to the customer's Bill or make payments to the borrower instead of third person also should be presented here accepted customer bills for which the customer has not fulfilled its obligations to the extent and within the time limit set) 50 40 capital lease account card credit (loans issued in accordance with the payment card agreement terms of use) 60 other credit consumer product purchase (loan, t.sk. checking account debit balance (overdraf) issued for the household consumer goods, such as household appliances or cars, purchasing and services such as medical care or travel, salaries, and which are not related to profit, and who are not listed as billing credit cards or financial leasing) 70 credit for house purchase, construction, reconstruction, repair, issued against the mortgage of 80 except mortgage loans home loans, construction, reconstruction, repair of 81 Other credit house purchase construction, reconstruction, repair, not the mortgage credit Loans to customers of 85 claim (factoring) 90 95 Other loans use lease 100 110 other liabilities of the Bank of Latvia President i. Rimšēvič in annex 3 of the Bank of Latvia on 15 November 2007, regulations No 10 economic sectors classification code 1 2 economic sector agriculture, forestry and fisheries A crop and livestock production, hunting and related ancillary 01 forestry and logging 02 03 fisheries, mining and quarrying (B) manufacturing (C) food production 10 drinks production 11 12 manufacture of tobacco products manufacture of Textiles manufacture of Apparel 14 13 wood, wood and cork products, except furniture; straw and wicker products manufacture of paper and paper products 16 manufacture 17 printing and reproduction of records 18 chemicals and chemical products manufacture of pharmaceutical assay and 20 pharmaceutical production in 21 of 24 metals fabricated metal products, except machinery and equipment manufacture of Furniture 25 31 Equipment and appliances repair and installation of 33 electricity, gas supply, heating and air conditioning (D) water supply; sewage, waste management and remediation (E) construction (F) wholesale and retail; automotive and motorcycle repair cars and motorcycles (G) wholesale, retail and repair 45 wholesale, except for cars and motorcycles retail trade, except of the 46 cars and motorcycles 47 Transport and storage (H) land transport and pipeline transport 49-50 water transport 51 air transport auxiliary storage and transport postal and courier activities 52-53 accommodation and food services (I) information and communication services (J) financial and insurance activities (K) transactions in financial services , except insurance and pension accumulation activities of Number 64 64.20 64.91 financial leasing other lending services not elsewhere classified 64.92 financial service activities, except insurance and pension accumulation insurance, reinsurance and 64.99 pension accumulation, except compulsory social insurance, financial services and insurance 65 activities complementary activities 66 financial market management operations in securities 66.11 66.12 other financial services complementary activities, except insurance and pension accumulation of insurance and pension accumulation 66.19 complementary action 66.2 operations with the real estate L professional , scientific and technical services, administrative and ancillary services M operation N public administration and defence; compulsory social security education health and P O social care Q arts, entertainment and recreation other services S R is not an information Bank of Latvia President Z i. Rimšēvič in annex 4 of the Bank of Latvia on 15 November 2007, regulations No 10 type classification type code first housing mortgage first mortgage, 10 commercial units in 20 first plot of 30 other mortgages mortgages 40 debt securities and other fixed income securities that are quoted on a regulated market 51 debt securities or other fixed income securities that are not quoted on the regulated markets 52 shares or other securities with a fixed income, which are quoted on a regulated market, 61 shares or other securities with a fixed income that is not listed on the regulated market of a guarantee or Pledge 62 70 80 90 Other Deposit guarantee of 100 Without collateral by the Bank of Latvia President 110 i. Rimšēvič in annex 5 of the Bank of Latvia on 15 November 2007 the Regulation No 10 of the borrower group classification classification of borrower classification group code standard 1 2 3 Zemstandart Monitored suspicious 4 lost 5 of the Bank of Latvia President i. Rimšēvič in annex 6 of the Bank of Latvia on 15 November 2007 the provisions of the credit institutions Act No. 10. infringement of article 73 of the law of credit institutions of the classification article 73 of the code violation does not provide full information about its financial status has not provided full information of V1 on V2 of their property does not provide full information about the property burden Not provided truthful information V3 on your financial situation does not provide true V4 information about your property is not provided truthful information V5 property encumbrance V6 does not provide other information necessary for participants to ascertain whether the borrower or borrower's guarantor with a member or members to mutually form the Group of connected clients, the President of the Bank of Latvia the V7 i. Rimšēvič in annex 7 of the Bank of Latvia on 15 November 2007, regulations No 10 class classifier type code of insurance accident insurance health insurance 210 220 230 land transport insurance of railway transport insurance aircraft insurance 240 250 Ship insurance
270 260 cargo insurance property insurance against fire and damage by natural disasters 280 property insurance against other losses 290 land vehicle liability insurance 300

Aircraft liability insurance of 310 Ships insurance against civil liability in respect of the 320 general liability insurance of credit insurance Guarantee 330 340 350 insurance of various financial loss insurance 360 legal expenses insurance Help insurance 370 380 390 life insurance Bank of Latvia President i. Rimšēvič in annex 8 of the Bank of Latvia on 15 November 2007 the Regulation No 10 of Annex 9 of the Bank of Latvia on 15 November 2007, regulations No 10 Annex 10 the Bank of Latvia on 15 November 2007, regulations No 10 Annex 11 of the Bank of Latvia 2007 15. Regulation No 10 of November 12. attachment of Bank of Latvia on 15 November 2007 the Regulation No 13, annex 10. The Bank of Latvia on 15 November 2007 the Regulation No 14. Annex 10 the Bank of Latvia on 15 November 2007, regulations No 10 Annex 15 of the Bank of Latvia on 15 November 2007, regulations No 10, annex 16 of the Bank of Latvia on 15 November 2007, regulations No 17. Annex 10 the Bank of Latvia on 15 November 2007, regulations No 10 Annex 18 of the Bank of Latvia on 15 November 2007, regulations No 10 Annex 19 Latvian banks 2007 15. the terms of the November 10 file format and structure for technical reasons, annex 19. available in PDF format. Click here