The rules of the Bank of Latvia no 97 in Riga, 14 March 2013 amended the Bank of Latvia 2012 13. Regulation No 93 of September "credit registry" Issued under the Credit registry law 10, 13, 17, article 18, third subparagraph, article 24, second and fifth paragraph 1 and article 31 fourth subparagraph 1. make Latvian Bank 2012/13 Regulation No 93 "credit registry" (Latvian journal by 2012, No. 150), the amendments are as follows: 1. paragraph 6:1.1.1. delete the words "or customer's guarantor"; 1.1.2. supplement with 6.13 and 6.14. subparagraph such.: "6.13. economic sector; 6.14. category. "; 1.2. supplement with 6.1 points by the following: "6.1 details of customer's guarantor: 6.11. person's code; 6.12. identity document number; 6.13. identity document issuing country code; 6.14. date of birth; 6.15. the unified registration number; 6.16. the code of the country of registration; 6.17. registration number; 6.18. the date of the registration; 6.19. first and last name; 6.110. name; 6111. legal address; 6112. status. "; 1.3. paragraph 7:1.3.1. delete 7.2 and 7.3. 1.3.2. Supplement 7.8. subparagraph after the word "individual" with the words "client contract"; 1.3.3. adding section 7.13.1 as follows: "the country of registration of the collateral 7.13.1 code;"; 1.4. point 8:1.4.1. Supplement 8.6. subparagraph after the word "individual" with the words "client" under the contract of the guarantor; 1.4.2. supplement with 8.6.1 shall by the following: "individual client 8.6.1 guarantor's undertaking the actual date;" 1.5. in point 11:1.5.1. delete paragraph 11.1.2; 1.5.2.11.3.1.1 section be supplemented by the following: "the indication of client obligations 11.3.1.1 restructuring or recovery;" 1.5.3. to add and point this 11.3.3.1 11.3.3.2: ' 11.3.3.1 client default probability; 11.3.3.2 possible losses the client defaults; "; 1.5.4. supplemented by section 11.3.7. by the following: "11.3.7. indication of accounted for in accounting."; 1.6. make the following point 19: "19. the register shall include the particulars of the customer's violation of as it inhibits the contract on which the client receives the credit risk of financial services (hereinafter – the customer agreement), a down payment for more than 60 calendar days and the entire client delayed payments, t.sk. interest and penalties, reaches 100 dollars or equivalent of this amount in foreign currency. " 1.7. to make 21 the following: "21. the register shall include the particulars of the customer's violation of the guarantor if the guarantor shall hinder customer agreement (guarantee), on the basis of which it provides customer's guarantor to the extent entered into the obligation to answer for the obligations of the customer, the customer of them not releasing (the guarantor's customer agreement), a down payment for more than 60 calendar days, and all the customer's guarantor's late payments, t.sk. interest and penalties, reaches 100 dollars or equivalent of this amount in foreign currency. " 1.8. supplement with 23.1 23.2 23.3 23.4, 23.5 points, and such that: "If the registry operator or 23.1 limited registry participant has reasonable doubt that customer or client or guarantor's undertaking of the customer or customer's violation of the guarantor applies to a particular customer or customer's guarantor, the particulars of the relevant customer or customer's guarantor, news of the respective customer or customer's guarantor's undertaking, or the particulars of the relevant customer or customer's violation of the guarantor shall not be included in the register. 23.2 If the client is a joint customer this customer agreement and the effective date is later than the solidarity in the customer agreement, the date of entry into force, the registry contains information that describes the joint and several obligations of the customer before the customer's date of entry into force of the agreement, the customer's obligations do not apply. 14.5 If the guarantor's customer contract effective date is later than the client's date of entry into force of the agreement, the registry contains information that describes the customer's obligations before the client the guarantor's date of entry into force of the agreement, the customer's guarantor's obligations do not apply. 23.4 the customer jointly and in solidarity in the customer client liabilities due date, to be determined according to the joint and several provisions of the contract, the customer is later than the due date of the customer relationship, which would be according to the provisions of this customer agreement, the registry contains information that describes the joint and several obligations of the customer after the period referred to in this paragraph, this customer and customer's obligations on the due date, the client's obligations do not apply. 14.6 If a client relationship to the actual expiration date is later than the guarantor's obligations the customer actual expiration date, the registry contains information that describes the customer's commitment period after the customer's guarantor liability, the actual date of the customer's guarantor's obligations do not apply. "; 1.9. supplement with 3.2.13. and 3.2.14 the following subheading: "3.2.13. Economic sectors included in the register" 48.1 economic sector "If the customer is a legal person other than the municipality or a private individual (natural person or private-law legal person) who is a non-profit institution. including the Register message 30.0 "economic sector", indicating the customer standing economic sectors of economic activity under classifier (annex 2), determined in accordance with the European Parliament and of the Council of 20 December 2006, Regulation (EC) No 1893/2006 establishing the NACE Rev. 2. statistical classification of economic activities, as well as amending Council Regulation (EEC) No 3037/90 and certain EC regulations on specific statistical domains (hereinafter NACE Rev. 2).
3.2.14. Category shall include the register of 30.0 "category", if the customer is a legal person.

Register message shall Include a "category", indicate the category of the client in accordance with the classification (annex 3). "; 1.10. deleting subsection 3.3.2 and 3.3.3; 1.11. to delete 57., 58, 66, 67, 70 and 71; 1.12. Add to 3.3.9. subdivision name after the word "individual" with the words "client contract"; 1.13.72 and 73 to express the point as follows: "72. The register shall include the message" individual customer contractual customer commitment end date ", if the customer is a joint customer, the customer's obligations joint and several due date, to be determined according to the joint and several provisions of the contract, the customer is later than the due date of the customer relationship, which would be according to the provisions of this customer agreement. 73. If the rights and obligations or claims be transferred to another person, the register shall include the message "individual customer contractual customer commitment end date", if the customer is a joint customer, and the rights and obligations or the transfer of the claim date is later than the due date of the customer relationship, which would be in accordance with the provisions of the customer's contract. "; 1.14. Add to paragraph 74, after the word "individual" with the words "client contract"; 1.15. Supplement 3.3.10. subdivision name after the word "individual" with the words "client" under the contract of the guarantor; 1.16.76.75. and make the point as follows: "75. The register shall include the message" individual customer contractual client of the guarantor the guarantor's obligations end date ", if the customer's guarantor liability due date, to be determined according to the customer's guarantor of the Treaty provisions, different from the client's obligations by due date, to be determined according to the terms of the client agreement. 76. If the rights and obligations or claims be transferred to another person, the register shall include the message "individual customer contractual client of the guarantor the guarantor's obligations end date", if the rights and obligations or the transfer of the claim is later than the date of the customer's guarantor liability due date, to be determined in accordance with the customer's guarantor agreement. "; 1.17.77. supplementing paragraph after the word "individual" with the words "client" under the contract of the guarantor; 1.18. be supplemented by the following subdivisions 3.3.10.1: "individual client 3.3.10.1 guarantor's undertaking the actual date the register shall include the particulars of 77.1" individual customer's guarantor liability "of the actual date, provided the customer's relationship to the actual expiration date is later than the guarantor's obligations the client the actual expiration date. 77.2 Where rights and obligations or claims be transferred to another person, the register shall include the message "individual customer's guarantor's undertaking the actual termination date", if the rights and obligations or the transfer of the claim is later than the date of the customer's guarantor's undertaking the actual expiration date. including the Register message 77.3 "individual customer's guarantor liability" of the actual date, indicating the customer's guarantor liability of the actual date. "; 1.19.79. points to express the following: ' 79. If, in accordance with the customer agreement shall be issued by a syndicated loan, including the Register message "client's contractual commitment" of the customer, the customer agreement on a certain part of the syndicated loan amount and currency under ISO 4217 standard, which, in accordance with the customer agreement shall be issued by the relevant registry operator or the registry a limited member. "; 1.20. paragraph 84 of the following expression: ' 84. If the client is not ended and the rights and obligations or claims are not transferred to another party, including the Register message "number of customers", indicate the existing joint customers. " 1.21. supplement with 84.1 and 52.3 points as follows: "If the Customer terminates the liabilities of 84.1, including the Register message" number of customers ", indicating the customer's actual date of commitments in existing joint customers. 52.3 If rights and obligations or the claim shall be transmitted to any other person, including the Register message "number of customers", specifies the rights and obligations or claims on the date of the transfer of the existing joint customers. " 1.22. Express 86. paragraph by the following: "86. If the client is not ended and the rights and obligations or claims are not transferred to another party, including the Register message "number of" customer's guarantor, the guarantor shall indicate the number of customers who have a valid guarantee for the customer. '; 1.23. supplement with 86.1 and 86.2 points as follows: "If the Customer terminates the liabilities of 86.1, including the Register message" number of "customer's guarantor, the guarantor shall indicate the number of the customer, which the customer relationship is the actual date in the valid guarantee for the customer's liabilities. 86.2 If rights and obligations or claims be transferred to another person, including the Register message "number of" customer's guarantor, the guarantor shall indicate the number of the customer to whom the rights and obligations or claims on the date of transfer is a valid guarantee for the customer. '; 1.24.87. points to express the following: "87. The register shall contain the indication of the" syndicated loan ", where, in accordance with the customer agreement shall be issued to the customer credit." syndicated; 1.25. the supplement with the subheading 3.3.16.1 as follows: "the country of registration of the collateral 3.3.16.1 code

the register shall include the particulars of 89.1 "the security of the State of registration code", when used as collateral outside of the Republic of Latvia registered real estate. including the Register message 89.2 "security code" of the country of registration, indicate the country code according to ISO 3166, which registered on the security of real estate used. "; 1.26. deleting subsection 3.5.3.; 1.27.106.105. and express the point as follows: "105. The register shall include the message" losses "If the registry operator or the registry Member limited wholly or partially written off a client, completely or partially excluding it from its own balance sheet. 106. Including the Register message "losses", indicates the registry member or register Member limited calculated the amount in LCY of the customer's liabilities to total or partial write-off. "; 1.28.111. point be expressed as follows: "111. If the syndicated loan for part of which, in accordance with the customer agreement shall be issued by the registry operator or the registry a limited, specific security is a part of the security, including the Register message "value", specifies this part of the security value and currency in accordance with the standard ISO 4217. "; 1.29. supplement with the subheading 3.5.6.1 as follows: "an indication of the customer commitment 3.5.6.1 restructuring or recovery of Registry shall include" 117.1 indication of client obligations restructuring or recovery "if at the end of the calendar quarter customer relation status corresponds to the classifier (annex 5) this code" 20 "or the" 30 ". including the Register message 117.2 "indication of the customer's obligations or recovery of restructuring", specifies the actual status of the customer's liabilities at the end of the calendar quarter in accordance with the classification (annex 5). "; 1.30. adding to paragraph 119 behind the words "ISO 4217" and after the words "the total amount of savings" with the words "calendar quarter" at the end; 1.31.121. paragraph be supplemented after the word "loss" with the words "calendar quarter" at the end; 1.32. supplement with 3.5.8.2 subdivision in 3.5.8.1 and: "3.5.8.1 client default probability 124.1 message" client's probability of default "shall be inserted in the registry the registry which has a credit institution registered in Latvia and at the end of the calendar quarter using the internal ratings based approach to credit risk capital requirements. the register shall include the particulars of 124.2 "customer default probability", if the customer is a natural person, that the customer relationship is consistent with the classification (annex 1) this code "80", or a legal person, and at the end of the calendar quarter customer liabilities recognized in the balance sheet of the registry members. including the Register message 124.3 "customer default probability", specifies the client defaults in the percentage at the end of the calendar quarter after the specified time (point-in-time) method.
3.5.8.2 customer's possible losses in case of default 124.4 "possible losses to the customer in the event of default" shall be included in the registry the registry which has a credit institution registered in Latvia and at the end of the calendar quarter using the internal ratings based approach to credit risk capital requirements. the register shall include the message "124.5 possible losses to the customer in the event of default," If the customer is a natural person, that the customer relationship is consistent with the classification (annex 1) this code "80", or a legal person, and at the end of the calendar quarter customer liabilities recognized in the balance sheet of the registry members. 124.6 including Register message "possible losses to the customer in the event of default", indicate the potential loss of customers in the event of default the client connection to the actual percentage of the balance at the end of the calendar quarter, determined in accordance with the Commission's rules on the calculation of minimum capital requirements. "; 1. make the following paragraph 125: "125. The register shall include the message" number of days ' absence, if at the end of the calendar quarter, client commitment recognized registry member or register Member limited balance sheet and, in accordance with the customer agreement they considered delayed. "; 1.34. supplement of 128 after the words "Member Register" with the words "or restricted registry Member"; 1.35. the supplement 132. point after the words "Member Register" with the words "or restricted registry Member"; 1.36. supplement with 3.5.12. the following subheading: "3.5.12. indication of accounting in accounting

the register shall include the message "133.1 indication of accounted for in accounting" if at the end of the calendar quarter, the client is not a member of a recognized registry or restricted registry Member balance. "; 1.37.163. point be expressed as follows: "163. If the rights and obligations or claims taken over from another person, the particulars of the relevant customer and general information about the customer's obligations shall be entered in the register within 10 working days of the rights and obligations or rights of the claim date. If the Member registry takes over from another person's rights and obligations or claims, which total more than half of the members of this register new customer relationship of the average number of calendar month preceding six calendar months, information on their customers and General news about this customer obligations shall be recorded in the 20 working days after the rights and obligations or rights of the claim date, written notice to the Bank. " 1.38. the express point 166 as follows: the "166. If the rights and obligations or claims taken over from another person, the particulars of the relevant customer's guarantor and General news about the guarantor's obligations of this client shall be entered in the register within 10 working days of the rights and obligations or rights of the claim date. If the Member registry takes over from another person's rights and obligations or claims, which total more than half of the members of this register new customer relationship of the average number of calendar month preceding six calendar months, details of the respective customer's guarantor and the General details of this customer's guarantor liability shall be recorded in the 20 working days after the rights and obligations or rights of the claim date, written notice to the Bank. " 1.39.170. point be expressed as follows: "170. If the registry member status at the date of This provision was a 19 00.01. or 20 or conditions referred to in that provision in paragraph 19 or 20 conditions occurs one month after the Member's status register, information about a client's violation of the commitment concerned shall be entered in the register within two months after the registry member status date but no earlier than one month after the Member's status register date. "; 1.40. paragraph 172 be expressed as follows: "172. If the registry member status at the date of 00.01 of 21 of these rules was a or 20 point or conditions referred to in this provision 21.22. the conditions referred to in paragraph occurs one month after the Member's status register, information about a client's violation of the guarantor's undertaking shall be included in the register within two months after the registry member status date but no earlier than one month after the Member's status register date. "; 1.41. replace paragraph 180, the number "7." with numbers "6.1, 8."; 1.42. replace 181.1 in numbers "– 6.12" 6.9 with numbers "6.9. – 6.14., 6.19-6112."; 1.43. replace 182.1 in numbers "– 6.12" 6.9 with numbers "6.9. – 6.14., 6.19-6112."; 1. replace paragraph 184, the number "6.12." with numbers "6.12., 6.19., 6112."; 1.45. replace paragraph 200, the words "evidence to the issue of regulatory laws in the order" by the words "a notary or equivalent form"; 1.46.214. point be expressed as follows: "214. Monthly fee for the use of the registry is as follows.
Members of the register or the register of members of the limited liability of the client the actual balance of the monthly fee for the use of the register (in dollars) From 0.01 dollar to 30 000.00 LVL 5.00 from 30 000.01 up to 50 000.00 lats LVL 10.00 From 50 000.01 Pyaar 1īdz 100 000.00 dollars From 100 000.01 Pyaar 1īdz 15.00 1 000 000.00 LVL 20.00 from 1 000 to 10 000 000.00 000.01 lats LVL 30.00 per 10 000 to 50 000 000.00 000.01 lat lat lat 000.01 to 90.00 From 50 000 up to 100 000 000.00 dollars From 100 000 lats 120.00 000.01 to 500 000 500 000 000.00 dollars From 56.00 LVL 1 000 000 000.00 000.01 up to LVL 1 000 000 000.00 above 1,500.00 lats 580.00

* Value added tax does not apply under the value added tax Act, article 3 of the eighth. "; 1.47.218. points to express the following: 218. One-time fee "for use of the registry is 12.30. Value added tax is not applied according to the value added tax Act, article 3 of the eighth. "; 1.48. supplement with 231, 232, 233.., 234 and 235 of the following paragraph.: "231. Bank 2013 October 1, perform the following actions with respect to the information contained in the registry: 231.1. renaming the message" individual customer's economic sector "on the news" economic sector "; 231.2. renaming the message "individual customer category" on the news "category"; 231.3. renaming the message "individual customer commitment end date" on the news "individual customer contractual customer commitment end date"; 231.4. "individual customers become the guarantor's obligations end date" on the news "individual customer contractual client of the guarantor the guarantor's obligations end date"; 231.5. "70" is replaced by the corresponding client obligation has ended with the "110" appropriate customer relationship has ended. 232. If the registry contains information about the customer or the customer's guarantor's obligations and 2013 October 1 at. obligations of the client concerned 00.01 is in effect and the respective rights and obligations or claims are not transferred to another party, or limited to the participants in the registry the registry member to 31 December 2013 shall take the following action with regard to the particulars contained in the register: 232.1. check the "economic sector" and "category" compliance with the requirements of this regulation in the event of non-compliance and updates; check the registry includes 232.2. "individual customer contractual client of the guarantor the guarantor's obligations end date" compliance with the requirements of this regulation and in the event of non-compliance it articulates shall be entered in the register as well as the message "individual customer's guarantor liability" of the actual date. 233. The amendments to this rule 11.1.2. section 3.5.3 subdivision and deletion shall take effect July 1, 2014. The Bank of Latvia 1 July 2014, the General message delete "indication of accounted for in accounting". 234. The message "security code" of the country of registration, "indication of the customer's liabilities restructuring or recovery", the message "client default probability", "possible losses to the customer in the event of default" and periodic "indication of accounted for in the books" the register shall include, starting with July 1, 2014. 235. If the registry contains information about the customer or the customer's guarantor's obligations and 1 July 2014 at. obligations of the client concerned 00.01 is in effect and the respective rights and obligations or claims are not transferred to another party, or limited to the participants in the registry the registry Member 2014 30 September also reports "shall be entered in the register of the country of registration of the security code. '; 1.49. Replace annex 2, in the name of "individual client sectors of classification" entitled "economic sectors classification" and the words "individual customer's economic sector" by the words "economic sector"; 1.50. Annex 3 to express the following: "3. the Bank of Latvia 13 September 2012, of Regulation No 93 category classification category code 20 Municipal insurance company pension fund 33 32 other financial intermediaries (except insurance corporations and pension funds), or financial palīgsabiedrīb 31 investment funds except money market funds of 30 persons in non-profit institutions serving 90 Micro (average annual number of employees less than 10 and annual net turnover not exceeding EUR 2 million. the euro equivalent in lats or balance sheet total assets do not exceed 2 million. the euro equivalent of dollars) small business 44 (average annual number of employees is 10 to 49 and annual net turnover not exceeding 10 million euros equivalent in lats or balance sheet total assets do not exceed 10 million. the euro equivalent of dollars) average 43 companies (average number of employees during the year is 50-249 and net annual turnover not exceeding 50 million. the euro equivalent in lats or balance sheet total assets do not exceed 43 million. equivalent in local currency) to EUR 42 big company (average annual number of employees is 250 or more and net annual turnover exceeding 50 million euro in lats equivalent or balance sheet total assets exceeding 43 million euro in lats equivalent) 41 ";
1.51. deleting rows in a table in annex 7. "ended, leading the former status of the 70 members of the register";
1.52. the supplement to annex 10 and 11 under the words and references "mail address (required to be indicated): ____ ____ ____ ____" with the words: "phone number (required to be indicated): _____ _____ _____ _____ e-mail address: _____ _____ _____ _____ _____ _____ _____ ___"; 1.53. Express 12. the annex as follows: "annex 12. Latvian Bank 2012 13. Regulation No 93/electronic information appearing in the application 1. information on the physical person: 1.1. first name and last name (required to be indicated); 1.2. personal code (required to be resident, non-resident, if one is assigned); 1.3. date of birth (required to be non-resident); 1.4. the identity document number (required to be non-resident); 1.5. the identity of the document issuing country code (required to be non-resident); 1.6. mail address (required to be indicated); 1.7. e-mail address. 2. information on the consumer's creditors – physical person: 2.1. name and surname (required to be indicated); 2.2. postal address (required to be indicated); 2.3. e-mail address. 3. information on the consumer's creditors – legal persons: 3.1 name (required to be indicated); 3.2. registration number (required to be indicated); 3.3. the mail address (required to be indicated); 3.4. consignee name and surname (required to be indicated); 3.5. email address. " 2. the rules shall enter into force on the 1 October 2013. The President of the Bank of Latvia is Rimšēvič.