Machine Translation of "The Credit Register Regulations" (Latvia)

The Credit Register Regulations

Original Language Title: Kredītu reģistra noteikumi

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The Bank of Latvia Regulation No 93 Riga 2012 September 13 credit register Regulations Issued under the law of the credit register 10, 13, 17, article 18, third subparagraph, article 24, second and fifth paragraph 1 and article 31 fourth subparagraph 1. General questions 1. determines: 1.1. Credit Register (hereinafter register) to be included in the message content and volume; 1.2. time limits and order in which messages should be included in the registry; 1.3. the customer and the customer's guarantor, as well as a member of the registry, the registry operator with limited status (hereinafter referred to as the register of members is limited) and the consumer's vendor served on the Register message volume, as well as news and mail costs and arrangements; 1.4. time limits and order in which the financial and capital market Commission (hereinafter the Commission) to be issued in the register shall include the particulars; 1.5. the period within which, and the procedure by which a member of the register and the register of members of the limited right or withdraw the information contained in the register; 1.6. the order in which the former Registry Member and former member of this register the customer or the customer's guarantor, or the person specified as such in the register in the presence of errors, the Latvian Bank signed a bilateral Declaration on the register mistakenly included the correction or cancellation of messages; 1.7. charges for the use of the registry and payment arrangements. 2. the register of members and register a limited Member shall be recorded in the news and updates, right and reverses on the register, registry, registry participants and the limited, the Commission requires the register shall include the particulars and Bank of Latvia shall be issued by the registry in the news registry to registry operator limited participant and the Commission electronically in accordance with the provisions of the Bank of Latvia, establishing procedures for the electronic exchange of information with the Bank of Latvia. 3. Register online in the internet available to members of the restricted registry registry participants and to the Commission daily from noon. 07:00 to noon. 10. For technical reasons, the register is not available in the Bank of Latvia, Latvian Bank on it electronically notify the registry members, restricted registry participants and to the Commission. Registry members, limited registry participant and the Commission indicates the Bank of Latvia on the e-mail address to which you want to send this message. 4. the Bank shall ensure that the register the register of members and register of limited participants included in the news is available in the registry within one working day after updating or repair, date and is no longer available in the registry within one working day after the date of cancellation. 5. the registry shall inform in good time the members of the Bank of Latvia on the planned status of members of the registry change. 2. the register shall include the particulars 6. Information about a client or customer's guarantor: 6.1 personal code; 6.2. the identity document number; 6.3. the identity of the document issuing country code; 6.4. date of birth; 6.5. the unified registration number; 6.6. code of the country of registration; 4.2. registration number; 6.8. the date of the registration; 6.9. the first name and last name; 6.10. the name; 6.11. registered office; 6.12. status. 7. General information about the customer's obligations: obligations of the client 7.1 the type; 7.2. the customer's individual economic sectors; 7.3. individual customer category; 7.4. the customer's obligations start date; 7.5. the individual customer commitment start date; 7.6. the customer's contractual obligations of the client end date; 7.7. the client's actual date of commitment; 7.8. customer's obligations individual end date; 7.9. client's contractual commitment of the customer; 7.10. customer number; 7.11. customer's guarantor; 7.12. indication of syndicated loans; 7.13. the securities; 7.14. connection status of the client; 7.15. where the customer's liabilities; 7.16. customer's obligation has ended; 7.17. news provider. 8. General information about the customer's guarantor's liability: the client's obligations 8.1; 8.2. the client commitment start date; 8.3. individual customer's guarantor's obligations start date; 8.4. the customer's contractual obligations of the client end date; 8.5. the client's actual date of commitment; 8.6. the individual customer's guarantor's obligations end date; 5.4. the customer's contractual obligations of the client; 8.8. the individual customer's guarantor's undertaking; 8.9. the number of customers; 8.10. customer's guarantor; 8.11. indication of syndicated loans; 8.12. client relationship status; 8.13. the emergence of obligations of the client; 8.14. customer's obligation has ended; 8.15. the news provider. 9. Periodic news about the customer's obligations: obligations of the customer 9.1 actual balance; 9.2. the interest rate on the date of the next review; 9.3. the calendar quarter. 10. Periodic news about the guarantor's obligations the customer: customer liability 10.1 actual balance; 10.2. the calendar quarter. 11. The financial market supervision and macro-economic analysis News: 11.1. General information about the customer's liability: 11.1.1 reference to individual customer's close relations; 11.1.2. indication of accounted for in accounting; 11.1.3. losses; 11.1.4. collateral value; 11.2. General information about the customer's guarantor's obligations – indication of individual customer's guarantor close relations; 11.3. periodical news: 11.3.1. customer classification group; 11.3.2. the savings to the customer relationship to the principal; 11.3.3. client relationship quality; 11.3.4. the number of days of delay; 11.3.5. client obligations delayed principal; 11.3.6. client obligations delayed interest amount. 12. details of the customer's or customer's guarantor's undertaking violations: 12.1. date of the infringement; 12.2. infringement reporting start date; 12.3. the prevention of the infringement date. 13. News about the customer and the customer's guarantor, as well as General news, updating and repair of inclusion: 13.1. message date of incorporation; 13.2. message escalation or date of the update. 14. The periodic report and repair date: 14.1. periodic message date of incorporation; 14.2. the periodic report to the date of the update. 15. the message about the customer or the customer's guarantor's undertaking violations and edit date: 15.1. message of the infringement date of incorporation; 15.2. message repair date of the infringement; 15.3. the prevention of news infringement date of incorporation; 15.4. the prevention of infringement of the date of the update message. 16. details of the Register request message: 16.1. message request date; 16.2. message to the applicant. 3. the register shall include the message content and the conditions for their inclusion in the register 3.1 General conditions for inclusion in the Register message 17. Registry Member and limited Member shall be recorded in the register of all prescribed in these rules, except where otherwise provided in these rules. 18. If the periodic messages to be included in the register before the deadline to be included in the register in which the particulars of the customer or customer's guarantor and General news about the customer or the guarantor's obligations, the customer and these messages are not included in the register, the register of recurring messages not included. 19. the register shall include the particulars of the customer's violation of as it inhibits the client 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. 20. If the rights and obligations or claims taken over from another person, the register shall include the particulars of the obligations of the customer, if Customer breaches this will hinder customer contractual payments for more than 60 calendar days, counted from the rights and obligations or claims, and the date for transposition of all late payments, t.sk. interest and penalties, reaches 100 dollars or equivalent of this amount in foreign currency. 21. the register shall include the particulars of the customer's violation of the guarantor if the guarantor shall hinder customer customer's guarantor of payment under the contract of longer 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. 22. If the rights and obligations or claims taken over from another person, the register shall include the particulars of the customer's violation of the guarantor if the guarantor of this client will prevent the client's contractual duties guarantors for longer than 60 calendar days, counted from the rights and obligations or claims, and the date for transposition of all late payments, t.sk. interest and penalties, reaches 100 dollars or equivalent of this amount in foreign currency. 23. If the registry member status at the date of the customer or the customer's guarantor 00.01 violation of is correct, the details of this customer's or customer's violation of the guarantor shall not be included in the register. 3.2. message about the customer or the customer's guarantor and the conditions for their inclusion in the register

3.2.1. Id code register 24 include "personal code", if the customer or the customer's guarantor is a natural person. 25. If the customer or the customer's guarantor resident in accordance with the provisions of the Bank of Latvia, which determines the monetary financial institution balance reporting month (hereinafter resident), including the Register message "ID code", specifies the ID of the assigned according to the population register transaction regulatory laws. 26. If the customer or the customer's guarantor is non-resident in accordance with the provisions of the Bank of Latvia, which determines the monetary financial institution balance reporting month (hereinafter – non-resident), including the Register message "ID code", specifies the ID number allocated by each registry operator or a limited registry participant reported identity document issuing country competent authority. If customer or customer's guarantor ID number is not given, the message "ID code" shall not be included in the register. 3.2.2. Identity document number 27. The register shall include the message "identity document", if the customer or the customer's guarantor is a non-resident natural person. 28. Including the Register message "identity document", specifies each registry operator or a limited registry participant in the identity document number. 3.2.3. Identity document issuing country code 29. The register shall include the message "identity in the document issuing country code", if the customer or the customer's guarantor is a non-resident natural person. 30. Including the Register message "ID document issuing country code" indicates each registry operator or a limited registry participant reported identity document issuing country code according to the standard LVS EN ISO 3166-1:2007 "national and territorial districts name code: part 1: country codes" (hereinafter – the standard ISO 3166). 3.2.4. date of birth 31. The register shall include the message "date of birth", if the customer or the customer's guarantor is a non-resident natural person. 32. Including the Register message "date of birth", indicating the customer or customer's guarantor's date of birth. 3.2.5. The unified registration number 33. The register shall include the message "single number", if the customer or the customer's guarantor has legal person resident. 34. Including the register News ' single registration number ", indicating the customer or customer's guarantor of uniform registration number. 3.2.6. the code of the country of registration 35. The register shall include the message "registration code", if the customer or the customer's guarantor has legal entity non-resident. 36. Including the Register message "registration code", indicate the country of registration code, in accordance with the standard ISO 3166.3.2.7. Registration number 37. The register shall include the message "registration number", if the customer or the customer's guarantor has legal entity non-resident. 38. Including the Register message "registration number", indicating the customer or customer's guarantor's registration number in the country of registration. 3.2.8. Date of registration 39. The register shall include the message "registration date", if the customer or the customer's guarantor has legal entity non-resident. 40. Including the Register message "registration date", indicating the customer or customer's guarantor, the date of registration in the country of registration. 3.2.9. the first name and last name 41. The register shall include the message "name and surname", if the customer or the customer's guarantor is a natural person. 42. Including the Register message "name and surname", indicating the customer or customer's guarantor's first name and last name. 3.2.10.43. The register shall contain the name "name", if the customer or the customer's guarantor has legal person. 44. Including the Register message "name" indicates the customer's or customer's guarantor's name. 45. If the client is an investment management company, which takes borrowing to fund investment account, including the Register message "name", specify both the investment management company name and the name of the investment fund and how that name specific punctuation to indicate the symbol "%". 3.2.11. Registered Office 46. The register shall include the message "registered office", if the customer or the customer's guarantor has legal entity non-resident. 47. Including the Register message "registered office", indicating the customer or customer's guarantor of the legal address. 3.2.12 Status Register 48. Including the message "Status" indicates whether the person is the customer or the customer's guarantor. 3.3. General information about the customer or the guarantor's obligations the customer content and the conditions for their inclusion in the registry of client obligations 3.3.1 type 49. Including the Register message "customer relationship", indicate the type of connection of the client in accordance with the classification (annex 1). 3.3.2. The individual customer's economic sector 50. The register shall include the message "client Individual economic sectors", 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. 51. If the contract, on the basis of which the client receives the credit risk of financial services (hereinafter referred to as the customer), the customer's specified obligations due from the customer's date of entry into force of the agreement, not more than one year, including the Register message "individual customer's 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). 52. If the customer's contractual obligations due by the client from the client's date of entry into force of the Treaty, is longer than one year, including the Register message "individual customer's economic sector", indicate the economic sector, the development of which the customer is bound by the obligations of the client under the classification (annex 2), determined in accordance with NACE Rev. 2.3.3.3.53 individual customer category. The register shall include the message "category" individual customer, if the customer is a legal person. 54. the Register message shall include "individual customer category", indicate the category of the client in accordance with the classification (annex 3). 3.3.4. the customer's obligations start date 55. Including the Register message "customer commitment start date" indicates the client's date of entry into force of the Treaty. 56. If the rights and obligations or claims taken over from other persons, including in the register "customer commitment start date", specifies the rights and obligations or rights of the claim date. 57. If, including register of General information about a client's obligations, the register shall include the message "individual customer commitment start date", "customer commitment start date" are not included in the register. 58. If to include in the register of General information about a client, register the guarantor's undertaking shall include "individual customer's guarantor's obligations start date", "customer commitment start date" are not included in the register. 3.3.5. Individual customer commitment start date 59. The register shall include the message "individual customer commitment start date", if the customer is a customer and this customer solidarity contract effective date is later than the solidarity in the customer agreement, the date of entry into force. 60. If the rights and obligations or claims taken over from another person, the register shall include the message "individual customer commitment start date", if the customer is a customer and this customer solidarity contract effective date is later than or the rights and obligations of the claim, the date of the transfer. 61. Including the Register message "individual customer commitment start date" indicates the client's date of entry into force of the Treaty. 3.3.6. The individual customer's guarantor's obligations start date 62. The register shall include the message "individual customer's guarantor's obligations start date", if the guarantor's customer contract effective date is later than the client's date of entry into force of the Treaty. If the customer's guarantor entered into the obligation to answer for the joint and several obligations of customers and joint customer contract effective date varies, the register shall include the message "individual customer's guarantor's obligations start date" only if the guarantor's customer contract effective date is later than a joint customer date of entry into force of the Treaty. 63. If the rights and obligations or claims taken over from another person, the register shall include the message "individual customer's guarantor's obligations start date", if the customer's guarantor agreement effective date is later than or the rights and obligations of the claim, the date of the transfer. 64. the Register message shall include "individual customer's guarantor's obligations start date" indicates the customer's guarantor's date of entry into force of the Treaty. 3.3.7. The customer's contractual obligations of the client end date

65. Including the Register message "client-client connection specified in a contract completion date" indicates the corresponding client contract terms customer obligations be determined due date. If according to the provisions of the contract of the client the client commitment is not detectable (by request of the customer's obligations enforceable), the message "client-client connection specified in a contract completion date" are not included in the register. 66. If the register include general information about a client's obligations, the register shall include the message "individual customer commitment end date", "the customer's contractual obligations of the client end date" are not included in the register. 67. If to include in the register of General information about a client, register the guarantor's undertaking shall include "individual customer's guarantor's obligations end date", "the customer's contractual obligations of the client end date" are not included in the register. 3.3.8. customer obligations, actual date 68. Including the Register message "client relationship actual date" indicates the customer's actual date of commitment. 69. If the rights and obligations or claims be transferred to another person, including the Register message "client relationship actual date", specifies the rights and obligations or claims on the transfer date. 70. If, including register of General information about a client's obligations, the register shall include the message "individual customer commitment end date", "customer relationship" of the actual date is not included in the register. 71. If to include in the register of General information about a client, register the guarantor's undertaking shall include "individual customer's guarantor's obligations end date", "customer relationship" of the actual date is not included in the register. 3.3.9. Individual customer commitment end date 72. The register shall include the message "individual customer commitment end date", if the customer is a customer and this customer solidarity contract terminated before the joint and several obligations of the customer due date, to be determined according to the joint and several provisions of the contract, the customer or the customer's obligations before the joint and the actual date of termination. 73. If the rights and obligations or claims be transferred to another person, the register shall include the message "individual customer commitment end date", if the customer is a customer and this customer solidarity contract terminated before the rights and obligations or claims on the date of transfer. 74. Including the Register message "individual customer commitment end date" indicates the corresponding client contract terms customer relationship to be determined date. 3.3.10. Individual customer's guarantor's obligations end date 75. The register shall include the message "individual customer's guarantor's obligations end date", if the Customer terminates the contract before the guarantor's customer commitment due date, to be determined according to the terms of the contract, the customer or the customer's obligations before the actual expiration date. 76. If the rights and obligations or claims be transferred to another person, the register shall include the message "individual customer's guarantor's obligations end date", if the Customer terminates the contract before the guarantor's rights and obligations or claims on the date of transfer. 77. Including the Register message "individual customer's guarantor's obligations end date," according to the customer's guarantor shall indicate the terms of the contract be determined by customer's guarantor liability date. 3.3.11. Customer's contractual commitment of the customer including the register news 78. "customer contractual customer commitment", indicating the customer's contractual obligations of the customer (payment card-credit maximum credit limit, credit for purchasing real estate or financial leasing, credit principal operational leasing – rent payment amount, not including interest charges and the tax amount, factoring factoring the maximum possible limit URu.tml.) and currency in accordance with the standard EN ISO 4217:2008 "the currency and resource code" (hereinafter referred to as the standard ISO 4217). 79. If the syndicated credit issued, including the Register message "client contractual customer commitment", the syndicated loan amount and part of currency under ISO 4217 standard, which shall be issued by the relevant registry operator or the registry limited. 80. If to include in the register of General information about a client, register the guarantor's undertaking shall include individual customer's guarantor of "commitment", "customer's contractual commitment" of the customer shall not be included in the register. 3.3.12. Individual customer's guarantor liability Volume 81. The register shall include the message "individual customer's guarantor's commitment", if the customer's guarantor entered into an obligation to respond on the part of the customer's contractual obligations of the customer. 82. the Register message shall include "individual customer's guarantor's commitment", indicating the customer under the contract of the guarantor the guarantor's customer commitment and currency in accordance with the standard ISO 4217.3.3.13. Customers 83. message "number of customers" automatically in the registry, including registry information about a client and general information about the customer's obligations, as well as updating or deleting these messages included in the register. 84. Including the Register message "number of customers", indicate the existing joint customers. 3.3.14. Customer's guarantor number 85. message "the number of the customer's guarantor" automatically in the registry, including registry information about a client's guarantor and general information about the customer's guarantor's obligations, as well as updating or deleting these messages included in the register. 86. Including the Register message "the number of the customer's guarantor", indicates the number of the customer's guarantor, which is a valid guarantee for the customer's liabilities. 3.3.15. indication of the syndicated credit 87. the register shall include the terms "indication of the syndicated loan" If the customer provided syndicated credit. 3.3.16. Guarantee type 88. If the customer agreement set out in one or more securities, including the Register message "Security Type", individually or consolidated all client security laid down in the Treaty, in accordance with the form (annex 4). 89. If customer's security have not been laid down in the Treaty, including the Register message "type" indicates the code "110". 3.3.17. client relationship status including the Register message 90 "customer relationship", specifies the actual status of the customer's obligations in accordance with the classification (annex 5). 3.3.18. customer obligations. the generation type 91 including a register message "where the customer's commitment", indicates the occurrence of the obligations of the client in accordance with the classification (annex 6). 3.3.19. client obligations including the type 92. Register message "customer termination mode", indicates the termination of the customer's obligations in accordance with the classification (annex 7). 3.3.20. News provider 93. Including the register news "News provider", the registry or the registry of participants limited the member name that shall be entered in the register the particulars of the customer or the customer's guarantor, his commitments and their violations. 3.4. The periodic report about the customer or the guarantor of the obligations of the customer content and the conditions for their inclusion in the registry of the client relationship 3.4.1 actual balance 94. Including the Register message "client's actual balance of obligations", indicates the registry member or register Member limited accounting customer obligations, actual balance at the end of the calendar quarter (payment card credit-you actually paid the loan principal balance, a credit for purchasing real estate or financial leasing – actually paid the loan principal balance operational leasing-lease payments total balance not including interest payments and the amount of tax actually paid for factoring loan principal balance URu.tml.) and currency in accordance with the standard ISO 4217.3.4.2 the interest rate, the date of the next review 95. The register shall include the message "interest rates the next review date" if at the end of the calendar quarter, client commitment recognized registry member or register Member limited balance sheet and customer contractual interest rate review. 96. Including the Register message "interest rates the next review date" indicates the date on which in accordance with the customer agreement the next time after calendar quarter end review at a specific interest rate. 3.4.3. The calendar quarter 97. Including the Register message "calendar quarter", indicates the year and the number of the calendar quarter. 3.5. Financial market supervision and macro-economic analysis news content and the conditions for their inclusion in the register

3.5.1. indication of Individual customer relationships close 98. "Individual indication of close customer relations" register in the register of members, which is a credit institution registered in Latvia or the equivalent in another country registered trader (hereinafter credit institution), a company registered in Latvia, to which the law of credit institutions have a close relationship with the credit institution or another country registered for this company the equivalent of the operator (hereinafter referred to as the company, which has a close relationship with the credit institution) or the economic operator established in Latvia who has the right to take insurance, or its equivalent in another country registered trader (hereinafter insurer), as well as limited registry Member who lost such a register member status. 99. the registry, which is a credit institution or a company which has a close relationship with the credit institution, or restricted registry participants who lost such a register member status shall be recorded in the news "about the individual customer's close relations" If the registry or the registry operator limited member credit institutions within the meaning of the law has a close relationship with the client. 100. the registry of the Member who is the insurer, or restricted registry participants who lost such a register member status shall be recorded in the news "about the individual customer's close relations" If the registry or the registry operator limited member insurance companies and the supervisory law has a close relationship with the client. 3.5.2. The individual reference to the guarantor's customer relations 101. close message "about the individual customer's guarantor close relations" shall be recorded in the register, which is a credit institution, company, which has a close relationship with the credit institution or insurer as well as the limited registry Member who lost such a register member status.
102. the registry, which is a credit institution or a company which has a close relationship with the credit institution, or restricted registry participants who lost such a register member status shall be recorded in the news "about the individual customer's guarantor close relations", if this registry the registry operator or limited member credit institutions within the meaning of the law has a close relationship with the relevant customer's guarantor. 103. the registry, which is the insurer, or restricted registry participants who lost such a register member status shall be recorded in the news "about the individual customer's guarantor close relations", if this registry the registry operator or limited member insurance companies and the supervisory law has a close relationship with the relevant customer's guarantor. 3.5.3. indication of accounted for 104 in accounting. the register shall include the message "indication of accounted for in accounting", if the client is not a member of a recognized registry or limited register Member's balance sheet. 3.5.4. Losses 105. The register shall include the message "losses" If the registry operator or the registry Member limited copies of the client's obligations by excluding them 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 relationship at the time of retirement. 3.5.5. The collateral value 107. the register shall include the message "value" If the customer agreement set out in one or more securities. 108. If collateral values often overestimates, t.sk. loans with pledge of securities, the message "security" update more frequently than once in three months. 109. Including the Register message "value" indicates each customer's contractual security value and currency in accordance with the standard ISO 4217.110. If the security provided by one more customer commitments, including the Register message "value", part of the collateral value and currency under ISO 4217 standard, which, in accordance with the registry or limited register participants participant's decision to provide relevant customer commitment. 111. If the syndicated credit is issued and the registry member or register Member limited to syndicated credit issued for part of the security set 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 4217.112. Registry Operator, which is a credit institution shall determine the value of the collateral in accordance with the Commission's rules on the evaluation of quality of assets and savings, taking into account the provisions of paragraph 108. 113. Including the Register message "security", the registry Member who is not a credit institution, or restricted registry member indicates the security value of the customer agreement and the date of entry into force of the updates under the following registry member or restricted Member registry internal procedures, taking into account the provisions of paragraph 108. 114. If the rights and obligations or claims taken over from other persons, including in the Register message "security", the registry Member who is not a credit institution, or restricted registry member specifies the value of the security or the rights and obligations of the claim at the date of acquisition and the updates under the following registry members or limited register Member's internal procedures, taking into account the provisions of paragraph 108. 3.5.6. customer classification group 115. "customer classification group ' register in the register of members, who are at the end of the calendar quarter credit unions. 116. the register shall include "customer classification group ', if at the end of the calendar quarter customer liabilities recognized in the balance sheet of the registry members. 117. Including the Register message "customer classification group ', indicating the customer's classification group code according to the classification (annex 8), determined in accordance with the Commission's rules on the valuation of assets. 3.5.7. Savings for the customer's liabilities in principal 118. the register shall include the news "Accruals are liabilities to the principal of the customer" if at the end of the calendar quarter, client commitment recognized registry member or register Member limited balance sheet. 119. Including the register news "Accruals are liabilities to the principal of the customer", the registry operator, who at the end of the calendar quarter is a credit institution registered in Latvia of the subsidiary credit institution registered in Latvia (Latvian credit institution subsidiary), or credit unions, indicate the amount of stocks and currency in accordance with the standard ISO 4217 created a client relationship to the principal in accordance with the Commission's rules on the valuation of assets. If you can not separate the provision of client relationship to the principal and interest of the individual, including the register news "Accruals are liabilities to the principal of the customer", such a registry member indicates the total amount of stocks and currency in accordance with the standard ISO 4217.120. Including the register news "Accruals are liabilities to the principal of the customer", the amount of stocks and currency in accordance with the standard ISO 4217 created customer obligations for the purposes of the evaluation of the joint groups with similar risk characteristics and assessed in accordance with the Commission's rules on the evaluation of quality of assets and savings of registered member who at the end of the calendar quarter means a credit institution, indicating for each customer's obligations alone. To determine the amount of the provision for each group in the customer's obligations, the obligations of the client group created for the total provision allocated in proportion to each customer's relationship to the actual balance. 121. Including the register news "Accruals are liabilities to the principal of the customer", the register, which is not the end of the calendar quarter, the credit institution, the Latvian subsidiary credit institution or credit unions, as well as limited participants set the register in accordance with the accounting standards, the financial statements of recognised impairment losses and currency in accordance with the standard ISO 4217. Client obligations 3.5.8. quality way. "client 122 relationship quality type" shall be recorded in the register of members of the who at the end of the calendar quarter means a credit institution, a credit institution subsidiary in Latvia or credit unions. 123. The message "client relationship quality type" register shall include, if at the end of the calendar quarter customer obligations recognised in the balance sheet of the registry members. 124. the Register message shall be included "liabilities Customers rated the quality of type" indicates whether the client's commitment quality evaluated individually or in a group of credit, determined in accordance with the Commission's rules on the valuation of assets. 3.5.9. the number of days of delay

125. "the number of days of delay" the register shall include, if at the end of the calendar quarter customer obligations recognised in the registry or the registry of participants limited the Member's balance sheet and, in accordance with the customer agreement they considered delayed. 126. Including the Register message "day count", indicates the number of days of absence calendar quarter end. 3.5.10. client obligations delayed principal 127. "customer commitment late principal" shall be recorded in the register of members, who at the end of the calendar quarter means a credit institution, company, which has a close relationship with the credit institution, or credit unions, as well as limited registry Member who lost such a register member status. 128. The register shall include the message "client relationship late principal", where, in accordance with the customer agreement, at the end of the calendar quarter, recognised in the balance sheet of one of the members of the registry, the late principal payment. 129. the Register message shall be included "liabilities Customers delayed principal", specifies the obligations of the client principal is overdue at the end of the calendar quarter and currency in accordance with the standard ISO 4217.130. If you can not separate the client principal is overdue obligations of the delayed interest amounts, including the Register message "customer relationship", the reference points late client relationship absent a total of calendar quarter end and currency in accordance with the standard ISO 4217.3.5.11. client obligations delayed interest amount 131. "customer commitment delayed interest shall be recorded in the register ' Member who at the end of the calendar quarter means a credit institution, company, which has a close relationship with the credit institution , or credit unions, as well as limited registry Member who lost such a register member status. 132. The register shall include the message "client relationship delayed interest amount", where, in accordance with the customer agreement, at the end of the calendar quarter, recognised in the balance sheet of one of the members of the registry, late payment interest and late interest can be separated from the late principal. 133. the Register message shall be included "liabilities Customers delayed interest amount", indicating the customer's liabilities overdue interest amount at the end of the calendar quarter and currency in accordance with the standard ISO 4217.3.6. News about the customer or the customer's guarantor liability for infringement of the content and the conditions for their inclusion in the register, the date of the infringement 3.6.1.134. If the register shall include the particulars of the customer's violation of the, including the Register message "date", indicate the date from which the client prevents the client payment laid down in the Treaty, this provision 19 or 20 points. 135. Including registry information about a client's violation of the terms of "breach," not included in the register, as long as the registry does not contain the message "prevention of the infringement". 136. If the register shall include the particulars of the customer's guarantor's undertaking violations, including register "Offence date" indicates the date from which the client will prevent the client the guarantor the guarantor for payment laid down in the Treaty, this provision 21.22. 137. Including registry information about a client's violation of the guarantor, "breach" not included in the register, as long as the registry does not contain the message "Infringement suppression". 3.6.2. Infringement reporting start date 138. If the register shall include the particulars of the customer's violation of the registry, including the news "reporting of the offence start date" indicates the date at which this provision 19. the conditions referred to in paragraph 20. 139. If the register shall include the particulars of the customer's guarantor's undertaking violations, including the register news "reporting of the offence start date" indicates the date at which this provision 21. the conditions referred to in point 22. 3.6.3. Prevention of the infringement date. 140 including registry information about a client's violation of the, the register shall include the message "prevention of the infringement", if the registry contains the message "date" and "start date of reporting infringement" and paid all late customer payments under the contract. 141. If the register shall include the particulars of the customer's violation of the, including the Register message "Infringement suppression", indicate the date in which all hinder the client paid the contractual payments. 142. Including registry information about a client's violation of the guarantor, the registry shall include the prevention of Infringement of the "date" If the registry contains the message "date" and "start date of reporting infringement" and paid all late customer payments under the contract of the guarantor. 143. If the register shall include the particulars of the customer's guarantor's undertaking violations, including the Register message "Infringement suppression", indicate the date in which all hinder customers paid the guarantor's payments under the contract. 3.7. message about the customer and the customer's guarantor, as well as the inclusion of general terms, escalation and repair date and conditions for their inclusion in the Register message inclusion 3.7.1 date 144. message "message into" automatically in the registry, including registry information about a client, a customer's guarantor and General news. 145. Including the Register message "post date of incorporation", indicate the date on which the register shall include the particulars of the customer, customer's guarantor and General news. 3.7.2. updating or editing the message date 146. message "updating or editing the message date" in the registry automatically, updating or correcting the information contained in the register of customer, customer's guarantor or general news. 147. Including the Register message "updating or editing the message date" indicates the date that the updated or corrected the register shall include the particulars of the customer, customer's guarantor or general news. 3.8. The periodic report and fix the date and conditions for their inclusion in the register a periodic message 3.8.1. date of incorporation 148. "periodic post date of incorporation" in the registry automatically, including periodic information in the registry. 149. Including the Register message "periodic post date of incorporation", indicate the date on which the recurring messages included in the register. 3.8.2. The periodic message repair date 150. "Periodic repair date of messages" in the registry automatically, edit the registry on periodic messages. 151. Including the Register message "periodic post repair date" indicates the date on which the right register shall include the periodic messages. 3.9. The message about the customer or the customer's guarantor's undertaking violations and fix the date and conditions for inclusion in the register of news Infringement 3.9.1. date of incorporation 152. message "post date" for inclusion in the registry automatically, including the Register message "date" and "start date of reporting infringement". 153. Inclusions in the Register message "post date of incorporation", indicate the date on which the register shall include the date of Infringement "and" news "reporting of the offence start date". 3.9.2. Violation of terms of the repair date 154. Violation of terms of "correction" in the registry automatically, edit message on the register "Offence date" or "date of reporting infringement". 155. Including the Register message "message edit date" indicates the date on which the right message on the register "Offence date" or "date of reporting infringement". 3.9.3. Infringement prevention messages into date 156. "infringement prevention messages into" automatically in the registry, including registry "infringement suppression". 157. Including the Register message "prevention of violation messages date of incorporation", indicate the date on which the register shall include the date of the infringement "prevention". 3.9.4. the prevention of Infringement of the date of the update message 158. "the prevention of Infringement of the date of the update message" automatically in the registry by editing the registry, the message "prevention of the infringement". 159. Including the Register message "prevention of violation of terms of repair", indicate the date on which the right message on the register "Infringement suppression". 3.10. message for the request message on the register contents and the conditions for their inclusion in the register at the request of 3.10.1. Post date 160. Including the Register message "message request date" indicates the date on which the requests contained in the register. 3.10.2. Post the applicant including the register news 161. "message requesting" State: 161.1. the customer or customer's guarantor's name or a name that requires the register shall include the particulars; 161.2. it registry member or member name in the registry a limited, who is requesting the information included in the register; 161.3. other credit register the persons referred to in the Act, which requires the register shall include the particulars, name and surname, or name. 4. The deadline for inclusion in the register and the particulars contained in the Register message escalation, repair and cancellation deadline

162. the register shall include the particulars of the customer and the General details of the customer's obligations within five working days of notification by the customer date of entry into force of the Treaty. 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 average number of connection per month in the previous six 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 of Latvia. 164. the register shall include the particulars of the registry, the participant's status at the date of acquisition at. 00.01 existing customers and General news about this customer obligations within two months after the registry member status. If the news about such violations of obligations of the customer to register before the deadline laid down in this paragraph, the particulars of the customer and General news about this customer commitments shall be entered in the register together with the particulars of the customer relationship. 165. the register shall include customer's guarantor and General news about the guarantor's obligations the customer five working days after the customer's guarantor's date of entry into force of the Treaty. 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 average number of connection per month in the previous six months, news 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 of Latvia. 167. the register shall include the particulars of the registry, the participant's status at the date of acquisition at. 00.01 existing customer's guarantor and the General details of this customer's guarantor liability during the two months following the registry member status. If the news of such customer's guarantor or the obligation of the customer to be included in the register of violations before the time limit laid down in this paragraph, the particulars of the customer's guarantor and General news about the guarantor's obligations of this client shall be entered in the register together with the particulars of the customer or the customer's guarantor liability threats. 168. the register shall include recurring messages within 10 working days of the end of the calendar quarter. 169. the register shall include the particulars of the customer's violation of the five working days after the date at which this provision 19. the conditions referred to in paragraph 20. 170. If the registry member status at the date of This provision was a 19 00.01. or conditions referred to in paragraph 20, the news about the registry member status at the date of 00.01 existing customer relationship the infringement shall be entered in the register within two months after the registry member status. 171. the register shall include the particulars of the customer's violation of the guarantor within five working days after the date at which this provision 21. the conditions referred to in point 22. 172. If the registry member status at the date of This provision was a 21 00.01. or conditions referred to in paragraph 22, the news about the registry member status at the date of existing customer 00.01 guarantor's undertaking violations concerned shall be entered in the register within two months after the registry member status. 173. the register shall include the particulars of the customer's violation of the Elimination of five working days after the date on which the customer paid all late payments under the contract. 174. the register shall include the particulars of the customer's violation of the guarantor's prevention five working days after the date on which the customer paid all late guarantor's payments under the contract. 175. On the register news updates within five working days of notification of change detection, subject to the conditions laid down in these provisions the relevant news for inclusion in the register. 176. The register shall include the particulars of the right or cancelled within one working day after the wrongful or unjustified exercise of the news, but not later than two weeks after the date on which the information on the possible erroneous or unreasonable news into the registry. 5. The order in which the Latvian Bank receipt to sign former participants in the register the Register message editing, or cancellation, 177. Bank of Latvia To correct or withdraw the former participants in the register the register news, former member of the register and the customer, the customer's guarantor or the person specified as such in the register in the presence of errors, the Latvian Bank Signature confirmation register mistakenly included the correction or cancellation of the message stating this post editing, or necessary information for cancellation (annex 9). 178. proof of registry erroneously included the correction or cancellation of messages on-the-spot Bank signature: 178.1. former member name in the registry, its representative or trustee; If the registry of this former 178.2. participant's client, a customer's guarantor or the person specified as such in the registry error, is a natural person, that natural person – the patron or the trustee; If the registry of this former 178.3. participant's client, a customer's guarantor or the person specified as such in the registry error, is a legal person, this legal person representative or proxy. 179. The provisions referred to in paragraph 178 of the signatory of the Bank of Latvia presented the following documents: 179.1. former members of the registry's representative – identity documents; members of the former registry 179.2. Trustees – identity documents and the mandate on the right to sign the receipt for the register mistakenly included the correction or cancellation of messages; 179.3. the natural person who is a member of the former registry customer, customer's guarantor or the person specified as such in the register of the flawed – identity documents; 179.4. natural persons who are members of the former registry customer, customer's guarantor or the person specified as such in the registry error, patron – identity documents and family courts decision on the appointment of the guardian; 179.5. natural persons who are members of the former registry customer, customer's guarantor or the person specified as such in the registry error, proxy, identity documents and a notary or equivalent way to demonstrate the power of the rights to sign the receipt for the register mistakenly included the correction or cancellation of messages; 179.6. legal persons that have been registered in the Member's client, a customer's guarantor or the person specified as such in the registry error, representative – identity documents; 179.7. legal persons that have been registered in the Member's client, a customer's guarantor or the person specified as such in the registry error, Governor – identity documents and the mandate on the right to sign the receipt for the register mistakenly included the correction or cancellation of messages. 6. The register shall include the issue of the amount of messages

180. the customer has the right to have this rule 6, 7, 9 and 12-16. the register referred to in paragraph shall include the details that apply to this customer, and the customer's guarantor has a right to that rule 6, 8, 10 and 12-16. the register referred to in paragraph shall include the details that apply to this customer's guarantor. 181. the registry the participant has the right to: 181.1. this rule 6.9., 6.12., 7.1, 8.1, and 7.16.8.14 and in 9, 10 and 12-15. the register referred to in paragraph 1 shall include the details relating to the Credit Register statutory personal; all the participants of this registry 181.2. the register shall include the particulars; 181.3. particulars about the registry of members on the Register request message. 182. A limited member of the register has the right to receive: 182.1. this rule 6.9., 6.12., 7.1, 8.1, and 7.16.8.14 and in 9, 10, 13 and 14 included in the register referred to in news relating to the limited registry member customer or customer's guarantor, if customer or customer's guarantor's undertaking is not ended or if from this customer agreement or the guarantor's customer contract rights and obligations or claims have not been transferred to another person; 182.2. This provision 12 and 15 the information referred to in paragraph 1 relating to this limited registry member customer or customer's guarantor, if customer or customer's guarantor's undertaking is not ended or if from this customer agreement or the guarantor's customer contract rights and obligations or claims have not been transferred to another person and if the client or the client's violation of the guarantor shall not prevent; This limited record 182.3. all participants in the register; 182.4. details of this limited carried out by members of the register the Register request message. 183. the register of members and register of members is limited to the right to gather information about the register in the news, which included the registry operator or the registry, limited and their change in a way that does not allow direct or indirect identification of the customer or the customer's guarantor, as well as included in the register, the register included other members of the register or the register of participants, limited in a way that does not allow direct or indirect identification of the customer or the customer's guarantor other members of the registry, or limited register. 184. the consumer customer has the right to get this rule 6.9., 6.12., 7.1, 8.1, and 7.16.8.14 and in 9, 10 and 12-15. the register referred to in paragraph 1 shall include the details that pertain to the individual. 7. The register shall include the particulars of the issue of time limits and procedures 7.1. The register shall include the particulars of the service of General provisions 185. The customer or the customer's guarantor can receive messages on the register onsite in the Bank of Latvia or mail with notification of service against the recipient signature to address European Union or European economic area country if this country mail service provides this service. 186. the Bank shall ensure that its Web site, information is available about this rule referred to in paragraph 185 mail service provider. 187. a creditor of the consumer can receive the messages contained in the register mail: 187.1. with the announcement of the signature of the service recipient, if this country mail service provides the following services; 187.2. with the announcement of the service, if this country mail service provider does not provide the service of mailing personally against signature of the recipient. 188. the Bank shall issue to the customer or the customer register includes guarantor information onsite Bank within one working day after the rule referred to in paragraph 192 in writing receipt of the application. 189. the Bank shall send the customer or customer's guarantor registry includes information in the form of mail within five working days of notification of the provisions referred to in paragraph 196 written application and fees for mail services. 190. the Bank shall send the customer to the vendor on the Register messages within five working days of notification of these rules in the register referred to in paragraph 206 of the report included the identification of the request was received. 191. the Bank shall issue the register shall include the particulars of the registry operator for registry member or limited to the Commission within one working day after receipt of the request. 7.2. The register shall include the particulars of the service to the customer and the customer's guarantor onsite in the Bank of Latvia 192. to be included in the register, the customer or the customer's guarantor shall submit a written application to the Bank of Latvia, paper document or electronic document. This application is the client or customer in the name of the guarantor is entitled to sign the other person. 193. the information contained in the register shall be entitled to the customer or the customer's guarantor. The customer or the customer's guarantor's name on the register news is entitled to his patron or Governors. 194. to be included in the register, the person who receives this information, presented at the Bank of Latvia: 194.1. a natural person who is a customer or the customer's guarantor – identity documents; 194.2. natural persons, which is the customer or the customer's guarantor, patron – identity documents and family courts decision on the appointment of the guardian; 194.3. the natural persons that have the customer or the customer's guarantor, trustee, identity documents and a notary or equivalent way to demonstrate the power of the right to receive the information contained in the register; 194.4. legal persons that have the customer or customer's guarantor, agent – identity documents; 194.5. legal persons that have the customer or the customer's guarantor, trustee, identity documents and authority on the right to receive information on the register. 195. the Bank shall record this rule 194.2., 194.3. and 194.5. the representative referred to in subparagraph representation set out in the document. 7.3. The register shall include the particulars of the service of the customer or the customer's guarantor mailing form 196. for the register shall include the particulars, the customer or the customer's guarantor shall pay to the Bank of Latvia on postal services, including postal services, Latvia's Bank account in the Bank of Latvia no 0LVL, BIC LACBLV2X LV83 LACB 1750 5030 0, and the individual who is the customer or the customer's guarantor, shall submit a written application to the Bank of Latvia, paper document or electronic document by specifying the registry in the news issue of necessary information (annex 10), but the legal person which is the customer or the customer's guarantor, shall submit a written application to the Bank of Latvia, paper document or electronic document, specifying the news registry to issue the necessary information (annex 11). This application is the client or customer in the name of the guarantor is entitled to sign his patron or Governors. 197. If a natural person is the customer or the customer's guarantor, in these terms the words referred to in paragraph 196 of the written application signed her patron, to get on the register news, in addition to the Bank of Latvia shall be submitted to the decision of the family courts for the appointment of a protector. 198. where a natural person is the customer or the customer's guarantor, in these terms the words referred to in paragraph 196 of the written application to the Governor for her signature to get on the register news, in addition to the Bank of Latvia submitted a notary or equivalent way to demonstrate the power of Attorney for the right to be included in the register. 199. If the legal person is the customer or the customer's guarantor, in these terms the words referred to in paragraph 196 of the written application to the Governor for her signature to get on the register news, in addition to the Bank of Latvia submitted a power of Attorney for the right to be included in the register. 200. the authenticity of the signature on this rule in writing referred to in paragraph 196 of the judgment in the application for certification which regulatory laws. If this written application signed with a secure electronic signature, signature authenticity is attested. 201. If the rules referred to in paragraph 196, the writing application is not drawn up in accordance with the requirements of this regulation or the Bank of Latvia has received a mail service provider tariff corresponding to postal services, the Bank of Latvia shall inform in writing the respective customer or customer's guarantor. 7.4. The register shall include the issue of consumer news for the vendor

202. for the registry, in the consumer's request to register the vendor section (address: https://pkp.bank.lv) complete the application interactively by specifying a report on the register to issue necessary information (annex 12). This application on behalf of a creditor of the consumer can also be filled by another person. 203.202. These provisions referred to in paragraph 1 for which the application of the creditor, the consumer pays the Bank of Latvia the provisions referred to in paragraph 217 lump-sum fees for registry use. 204. The Bank of Latvia within two working days after this provision in paragraph 217 of the one-time charges for the use of the register receipt sends this in paragraph 202 of the rules application specified natural person specified in this application to an individual's e-mail address on the Register request message identification code and an indication of the use of this code and privacy mailings: 204.1. with the announcement of the signature of the service recipient If this country mail service provides the following services; 204.2. with the announcement of the service, if this country mail service provider does not provide the service of mailing personally against signature of the recipient. 205. If the rules referred to in paragraph 202. application contains the physical address of the person outside of Latvia, Latvian Bank draws up a statement of the particulars on the register at the request of the identification code and the privacy of all European Union and European economic area countries. 206.202. These provisions indicated in the application referred to in paragraph 1 the natural person included in the registry at the request of the message identification code interactively register request section (address: http://pkp.bank.lv). The register shall include the identification code of the request message for this application contains natural persons can enter on behalf of another person in the natural person indicated in the application of this code passed. 207. the Bank shall forward the information contained in the register of this provision in the application referred to in paragraph 202 of the specified consumer for the vendor. 208. where the provisions referred to in paragraph 202. application of the consumer, vendor mailing address outside of Latvia, Latvian Bank draws up the registry information in Latvian and English. 8. the registry Member, register participants and limited consumer fee payable by the vendor for the registry use Registry 8.1 member and limited Member registry fees payable for the use of the registry and payment arrangements 209. To cover the living expenses of the registry, the registry and the registry Member limited paid the Bank of Latvia, the monthly fee for the use of the registry. 210. the monthly fee for the use of the registry about the next six calendar months is determined at the end of the calendar half-year in accordance with the provisions of paragraph 214, according to the register the register of members or limited member register customer relationship to the actual balance at the end of the calendar half-year. 211. the monthly fee for the use of the register of the registry about the member status to the end of the calendar half-year, after the end of the period during which the registers to be included in the register the particulars of the Member's status at the date of 00.01 existing customers and General news about this customer liabilities shall be determined in accordance with the provisions of paragraph 214 according to registry or limited register participants participant's customer commitment to the actual balance register member status at the date of 00.01. About this customer record on the remaining balance of the liability for the participant shall inform the Bank in writing up to 10 of the calendar month following the date of the calendar month in which the registry status of the participants. 212. If the registry becomes a member in the register of members of the limited, which will be included in the register particulars of the registry, the participant's status at the date of acquisition at. 00.01 existing customers and General news about this customer commitments, monthly fees for the use of the register of limited amount of registry members obtain the status of the current date to the end of the calendar half-year shall be determined in accordance with the provisions of paragraph 214 under limited registry member customer relationship to the actual balance limited registry member status at the date of 00.01. About this customer relationship balance limited registry participant shall inform the Bank in writing up to 10 of the calendar month following the date of the calendar month in which limited register member status. 213. If the registry or the registry of participants limited membership is acquired or lost after the first date of the calendar month, the monthly fee for the use of the registry for the relevant period shall be calculated in proportion to the monthly charges for the use of the registry for the entire calendar month. 214. The 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 LCY) excl. VAT VAT (21%) With a SALES TAX Of 0.01 dollar to 30 000.00 LVL 5.00 From 30 000.01 6.05 1.05 dollar to 50 000.00 LVL 10.00 From 50 000.01 Pyaar 12.10 2.10 1īdz 100 000.00 dollars From 100 000.01 15.00 dollar 18.15 3.15 1īdz 1 000 000.00 LVL 20.00 4.20 24.20 from 1 000 to 10 000 000.00 000.01 lats LVL 30.00 36.30 at 6.30 per 10 000 to 50 000 000.00 000.01 lats LVL 90.00 From 50 000 lats 18.90 125 000.01 to 100 000 5,000.00 dollars From 100 000.01 120.00 25.20 145.20 000 lats to 500 000 000.00 dollars From 500 000.01 56.00 58.80 338.80 000 lats to 1 000 000 000.00 LVL 500.00 above 1 000 000 000.00 605.00 105.00 dollars 580.00 701.80 215. Registry 121.80 and limited a member of the register of Latvian Bank pay a monthly fee for the use of the register until the end of each calendar month, for the previous calendar month. 216. the monthly fee for the use of the registry including the Latvian Bank account in the Bank of Latvia no 0LVL, BIC LACBLV2X LV51 LACB 1750 5010 0. 8.2. The consumer's creditors to be paid fees for the use of the registry and payment arrangements with 217. To cover the reception on the register of the registry maintenance expenses, the consumer's creditors, requiring the register shall include the message, each time paying a one-time fee to the Bank of Latvia on the registry. 218. The lump sum fee for the use of the registry is $14.88, t.sk. the consideration for the use of the register and 21% 12.30 lats value added tax $2.58. 219. a creditor of the consumer can pay lump-sum fee for the use of the register, the conversion of the euro after the Bank of Latvia exchange rate of the euro cash on the day of the transfer. 220. If the consumer pays the creditor the single fee for the use of the register in LCY the vendor to the consumer including the Latvian Bank account in the Bank of Latvia no 0LVL, BIC LACBLV2X LV83 LACB 1750 5030 0. If the consumer pays the creditor the lump-sum fee for use of the euro, the register of creditors including the consumer's Bank account in the Bank of Latvia No. 1750 5020 0, BIC LACBLV2X LV51 LACB 0EUR. As the purpose of the payment to the creditor, the consumer specifies the rules referred to in paragraph 202 of the application number. 221. the Bank shall repay the payment order to the payer indicated in received lump-sum fee for the use of the register only in the following cases: 221.1. payment order as a person not specified in these rules referred to in paragraph 202. application vendor to the consumer; 221.2. the purpose of the payment is not stated in these rules referred to in paragraph 202 of the application number; 221.3. one-time charges for the use of the registry does not match the amount of the provision laid down in paragraph 218. 222. the Bank released this provision in paragraph 221 of the person to receive lump-sum fee for the use of the registry by sending back the payment order within five working days following its receipt. 9. Closing questions

223. Be declared unenforceable by the Bank of Latvia on 18 October 2010, Regulation No 62 "credit registry" (Latvian journal 2010, no. 167, no. 111, 2011; No. 183) and the Bank of Latvia on 4 November 2010, Regulation No 66 "charges for the use of the credit register and payment arrangements" (Latvian journal 2010, no. 176; 2011, no 111; 2012, no 111). 224. the rules shall enter into force on December 1, 2012. 225. This provision of the Bank of Latvia on the date of entry into force shall take the following action with respect to the information contained in the registry: 225.1. "Entry to rename the Republic of Latvia valid travel document number" on the news "identity document"; 225.2. renaming the message "entry in the Republic of Latvia valid travel document issuing country code" for the "identity of the document issuing country code"; 225.3. renaming the message "connection type" Borrowers about the terms "customer relationship"; 225.4. renaming "economic sector" on the news "individual customer sectors"; 225.5. renaming the category "news" on the news "category of the" individual customers; 225.6. renaming "borrower commitment start date" on the news "customer commitment start date"; 225.7. renaming the message "individual borrower commitment start date" on the news "individual customer commitment start date"; 225.8. renaming "borrower's guarantor's obligations start date", calling for "individual customer's guarantor's obligations start date"; 225.9. renaming the message "specified in the loan agreement the borrower's commitment end date" for the message "client-client connection specified in a contract completion date"; 225.10. renaming "Borrower obligations, actual due date" on the news "customer relationship" of the actual date of expiry; renaming "Individual 225.11. the borrower's commitment end date" on the news "individual customer commitment end date"; 225.12. renaming "borrower's guarantor's obligations end date", calling for "individual customer's guarantor's obligations end date"; 225.13. combines "the borrower's commitment" and the "borrower's liabilities currency code", calling for "the customer's contractual obligations of a client"; 225.14. combines the "borrower's guarantor's obligations" and the "borrower's guarantor liability currency code", calling for "individual customer's guarantor's obligations"; renaming "Borrower 225.15." on message "number of customers"; renaming "225.16. Borrower's guarantor" on message "number of" customer's guarantor; renaming "Borrower 225.17. relationship status" on message "client connection status"; 225.18. renaming "borrower relationship where" on the news "where the customer relationship"; renaming "225.19. Borrower's discharge type" on message "customer termination" of the way; 225.20. combines the message "message for obligations of the borrowers ', the message" message for obligations of balance provider the borrower "," debtor's information provider "and the message" message or the "corrector anulētāj, calling on the news" News provider "; 225.21. combines "the borrower the amount of the balance of obligations" and the "borrower's unspent currency code", calling for "customer relationship" actual balance; replace "Person 225.22. close relations with members of the" in the news "about the individual customer's close relationship" and "indication of Individual customer's guarantor close relations"; 225.23. renaming the message "an indication of the related records on the" news "indication of accounted for in accounting"; 225.24. combines news "security" and "security code" of the currency, calling for "security"; renaming "225.25. Borrower classification group ' on the news" customer classification group '; 225.26. combines news "accruals credit terms" principal "and the Provision of credit to the principal currency code", calling on the news "Accruals are liabilities to the principal of the client"; 225.27. renaming "borrower quality connection type" on message "client relationship quality way"; renaming "225.28. Absence period" on the news "day count"; 225.29. combines "the borrower's commitment" Basic and late news "borrower obligations delayed principal currency code", calling for "customer commitment" basic delayed; 225.30. combines message "delayed interest amount" and "delayed interest amount currency code", saying the report "customer commitment delayed interest amount"; renaming "225.31. Late payment date" on the news "date"; 225.32. renaming the news "reporting late payment starting date" on the news "reporting of the offence start date"; renaming "225.33. Late payment due date" on message "prevention of the infringement date"; 225.34. renaming the message "the borrower's registration date of commitment" on the news "post date of incorporation"; replaces message "Message 225.35. correction or cancellation date" with the message "updating or editing the message", the message "the periodic message repair date", "news of the breach repair date" and "prevention of violation of terms of the repair date"; 225.36. renaming "borrower's date of registration of the remaining balance of the liability" on the news "periodic post date of incorporation"; renaming "Debtor 225.37. information registration date" on the news "post date of incorporation"; 225.38. renaming "late payment due date" on the news "breach prevention messages date of incorporation". 226. If by the date of entry into force of the provisions contained in the register to the news concerning the obligations of the customer, who is a legal person, the non-resident and the date of entry into force of the provisions of this client is not ended and the respective rights and obligations or claims have not been transferred to another person until 31 March 2013 to include the registry also "individual customer's economic sector". 227. If registry operator who is an insurer or credit unions, up to the date of entry into force of the provisions included in the register the particulars of the obligations of the client who is legal person resident, these rules and the date of entry into force of this client is not ended and the respective rights and obligations or claims are not transferred to another party, such a registry operator or a limited register Member who lost such a register member status until 31 March 2013 to include the registry also "individual customer's economic sector". 228. If registry operator who is an insurer or credit unions, up to the date of entry into force of the provisions included in the register the particulars of the customer's obligations and the date of entry into force of provisions of this client is not ended and the respective rights and obligations or claims are not transferred to another party, such a registry operator or a limited register Member who lost such a registry, the participant's status until 31 March 2013 to include the registry also reports "category of the individual client." 229. If a registry operator that is the insurer, up to the date of entry into force of the provisions included in the register the particulars of the customer's obligations and the date of entry into force of provisions of this client is not ended and the respective rights and obligations or claims are not transferred to another party, such a registry operator or a limited register Member who lost such a registry, the participant's status until 31 March 2013 to include the registry also reports the "Security Type" and "security". 230. when rights and obligations or claims taken over from other people until 31 March 2013, registry operator or the registry operator, the limited including the Register message "day count", the following obligations of the customer is entitled to specify the number of days of absence in the end of the calendar quarter of the rights and obligations or rights of the claim date. Informative reference to European Union Directive provisions included in the law arising from the European Parliament and of the Council of 23 April 2008. Directive 2008/48/EC on credit agreements for consumers and repealing Council Directive 87/102/EEC. The Bank of Latvia President i. Rimšēvič in annex 1 the Bank of Latvia on 13 September 2012, of Regulation No 93 customer relationship type vocabulary

Client relationship type code increase working capital credit (commercial loan) (legal person loan for working capital financing, t.sk. checking account debit balance (overdraf), with the exception of credit, Bill of Exchange, which presented as payment card credit or credit to the customer's claim (factoring)) 10 industrial credit (loan legal person asset acquisition and other long-term investment projects, except for loans, which are shown as capital lease or loan for the acquisition of immovable property) 20 reverse repo transactions Bill of Exchange (30 loan issued customer Bill of Exchange or to make payments to the customer site to a third party; Here also produce cookies customer bills for which the customer has not fulfilled its obligations to the extent and within the time limit laid down in the financial leasing) 40 50 settlement card credit (loans issued in accordance with the payment card agreement terms of use) 60 consumer credit (loan, t.sk. household checking account debit balance (overdraf) issued a consumer goods, such as household appliances or cars, purchasing and services such as medical care or travel , pay that is not related to profit and not listed as a payment card, credit or financial leasing) 70 credit for house purchase (loan household dwelling (land, houses, apartments, intended for accommodation, as well as farm buildings, such as the basement, garage, barn, shed, etc.) for the purchase, construction, reconstruction and repair of) 80 credit for the acquisition of immovable property (loan legal person purchasing real estate, construction, reconstruction , repair). Here presented also credits to households (i.e. self-employed persons), the purpose of which is the acquisition of immovable property that is not considered for housing, for example, shop, warehouse, work (Office) space of 81 against the customer's Credit claim (factoring) 90 remaining credits (loans, which, in accordance with the client's connection type explanations can not be included in any other context). Here presented also credits to households (t.sk. self-employed persons), the objective of which is the commercial launch or promotion or other long-term investment project financing 95 use lease (rent) other liabilities 110 100 Bank of Latvia President i. Rimšēvič in annex 2 of the Latvian Bank 13 September 2012, of Regulation No 93 of the economic sectors of individual client classification of individual economic sectors of the client code 1 2 agriculture, forestry and fisheries A crop and livestock production , hunting and associated ancillary 01 forestry and logging 02 03 fisheries, mining and quarrying (B) manufacturing (C) food production 10 11 manufacture of beverages manufacture of tobacco products manufacture of Textiles Clothing 12 13 14 wood manufacturing, 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 64 Number pooling Funds 64.20 trasto, funds and similar financial entities 64.30 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 3 of the Bank of Latvia on 13 September 2012, of Regulation No 93 individual customer category classification of individual customer 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 and the 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 less than 50 and an annual net turnover not exceeding 10 million euros equivalent in lats or balance sheet total assets do not exceed 10 million euros equivalent in lats) 43 medium-sized enterprise (average annual number of employees less than 250 and an annual net turnover not exceeding 50 million euro in lats equivalent, or total assets balance sheet not exceeding 43 million euro in lats equivalent) 42 big company (average annual number of employees is 250 or more and net annual turnover exceeds 50 million. the euro equivalent in lats or balance sheet total assets exceeding 43 million. the euro equivalent of dollars), the President of the Bank of Latvia 41 i. Rimšēvič in annex 4 of the Bank of Latvia on 13 September 2012, of Regulation No 93 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 listed on a regulated market 51 debt securities or other fixed income securities that are not listed on a regulated market 52 shares or other securities with a fixed income, who are admitted on a regulated market, 61 shares or other securities with a fixed income that are not listed on a regulated market of 70 other 62 Pledge or guarantee guarantee guarantee or guarantee State 80-81 credit guarantee Credit of 95 82 90 Deposit of 100 Other Latvian Bank President i. Rimšēvič in annex 5 of the Latvian Bank 13 September 2012, of Regulation No 93 customer relationship status classification

Client connection status code normal customers, t.sk. with the change in the customer agreement (the customer change the agreement terms are not linked to customer's difficulty and not obligations restructuring) of the Restructured customer commitment 10 (in accordance with the Commission's rules on the evaluation of quality of assets and savings) 20 client obligations recovery process, t.sk. the insolvency process (the client is not able to make or not make the customer payments provided for in the agreement, and obligations of the client recovery under a special program developed by these commitments, which includes, for example, the mortgage rights or guarantees of the right of, or with the obligations of the deal or limited members of the registry the registry of the participant (or third party) a separate unit or specially designated staff) ended 30 client (client commitment ended in one of the client's obligations in the form of classifier (annex 7) following), 40, the President of the Bank of Latvia i. Rimšēvič 6. the Bank of Latvia annex 2012 terms 13 September 93 customer relationship where the customer relationship the classification where code in accordance with the conclusion of the contract of 10 new customers, taking over the rights and obligations or claims of other parties 20 according to the conclusion of a new customer agreement, the customer making the pārkreditācij of the other person's 30 in accordance with the conclusion of the contract of new customers, customer relationship batching (e.g. on the client connection types, repayment schedule, currency or percentage change or replacement of) 40 customers in accordance with the insolvency proceedings (client obligations contained liability amortization plan) or the legal protection process (also non-judicial) proceedings 50 Latvian Bank President i. Rimšēvič in annex 7 of the Bank of Latvia 13 September 2012, of Regulation No 93 of the client's obligations in a way the customer relationship the classification type of termination code is executed without specific additional conditions 10 ended , transfer of rights and obligations or claims another person 20 ended, pārkreditācij to the customer through another person's 30 ended in agreement on a new customer agreement related to batching a client 40 ended, registry operator or the registry operator limited retirement losses if barred 50 ended, registry operator or the registry operator to take over limited or realizing collateral, obtaining 60 ended former registry status of the 70 participants ended the insolvency process, combining the customer's liabilities liabilities maturity plan (applicable also to redress process) 80 deleted by the insolvency process the deletion of commitments included in a plan of liquidation of the customer (also on the process of legal protection) 90 ended when, in accordance with the insolvency law governing the statutory obligations of the United customer update previous (not individual execution) status 100 ended the other way 110 Latvian Bank President i. Rimšēvič in annex 8 of the Bank of Latvia 13 September 2012, of Regulation No 93 customer classification group classification client relationship classification group code standard 1 2 3 Zemstandart Monitored suspicious 4 lost 5 of the Bank of Latvia President i. Rimšēvič in annex 9 of the Bank of Latvia on 13 September 2012, of Regulation No 93 of the acknowledgement register mistakenly included a news correction or cancellation of information appearing 1. information about former members of the register: 1. name (required to be indicated); 1.2. registration number (required to be resident, non-resident, if one is assigned); 1.3. legal address (required to be). 2. Details of the person acting in the name of the former participants in the registry: personally identifiable information 2.1 (optional particulars); 2.2. the right of representation (optional particulars). 3. information about customer, customer's guarantor or the person who is indicated as such in the registry error,-natural person: 3.1 the name and surname (required to be indicated); 3.2. personal code (required to be resident, non-resident, if one is assigned); 3.3. date of birth (required to be non-resident); 3.4. the identity document number (required to be non-resident); 3.5. the identity of the document issuing country code (required to be non-resident). 4. information about customer, customer's guarantor or the person who is indicated as such in the registry error,-legal persons: 4.1 name (required to be indicated); 4.2. the unified registration number (required to be resident); 4.3. registration code (required to be non-resident); 4.4. registration number (required to be non-resident); 4.5. registration date (required to be non-resident); 4.6. legal address (required to be a non-resident). 5. information about the person acting on the customer, customer's guarantor or persons on the register was specified in error, name: personally identifiable information 5.1 (required to be indicated); 5.2. the right of representation (optional particulars). 6. information on the register is included in error messages: 6.1 the register mistakenly included the news title (required to be indicated); 6.2. the register mistakenly included the content of the message (required to be indicated); 6.3. correct demonstrative message contents (required to be indicated); 6.4. the customer or customer's guarantor's undertaking personally identifiable information (optional particulars). 7. information on the registry improperly stored messages: 7.1 registry wrongly included news name (optional, if registry to be wrongly included a separate message); 7.2. the customer or customer's guarantor's undertaking personally identifiable information (mandatory if the person appearing for a client or customer's guarantor listed unfounded).
The Bank of Latvia President i. Rimšēvič 10. attachment of Bank of Latvia 13 September 2012, of Regulation No 93 of physical persons in the register of existing credit application message receiving mail in the form of first name and last name (required to be indicated): __ ____ ____ ____ ____ ____ ID number (required to be a non-resident, the resident, if any, assigned): _____ _____ _____ _____ __ date of birth (required to be non-resident): _____ _____ _____ _____ _____ the identity document number (required to be non-resident): ___ ___ ___ identity document issuing country code (required to be non-resident): _____ _____ _____ _____ postal address (optional particulars) : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ With this application I certify that: 1) I would like to receive credit on the register news mailing in the form of a statement on the issue against the signature on this application personally to the addressee the specified mail address, which is the European Union or the European economic area country, which the postal service provides the following services; 2 the Bank of Latvia) is paid a fee for postal services.

(signature)

(printed name) ______. the year ____. ___ ___ ___ ___ Application Properties "signature" does not fill in the application as an electronic document is prepared in accordance with the electronic design of the regulatory laws and requirements.
The President of the Bank of Latvia i. 11. Rimšēvič attachment of Bank of Latvia 13 September 2012, of Regulation No 93 of the application of the legal person in the credit register to receive mailings in the form name (required to be indicated): ____ ___ _____ _____ _____ registration number (required to be indicated): _____ _____ _____ _____ __ legal address (required to be indicated): ____ ___ ____ ____ ____ ____ ____ the consignee's name and surname (required to be indicated): _____ _____ ____ ___ _____ e-mail address (required to be indicated): ____ ___ _____ _____ _____ With this application I certify that: 1) I would like to receive credit on the register news mailing in the form of a statement on the issue against the signature on this application personally to the recipient mail address specified in that is the European Union or the European economic area country, which the postal service provides the following services; 2 the Bank of Latvia) is paid a fee for postal services.

(signature)

(printed name) ______. the year ____. ___ ___ ___ ___ Application Properties "signature" does not fill in the application as an electronic document is prepared in accordance with the electronic design of the regulatory laws and requirements.
The President of the Bank of Latvia i. 12. Rimšēvič attachment of Bank of Latvia 13 September 2012, of Regulation No 93 of the 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. the value added tax number (required, if any, to be assigned); 2.3. the declared place of residence address (required to be indicated); 2.4. the mail address (required to be indicated); 2.5. 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 value added tax number (required, if any, to be assigned); 3.4. legal address (required to be indicated); 3.5. consignee name and surname (required to be indicated); 3.6. postal address (required to be indicated); 3.7. e-mail address. The President of the Bank of Latvia is Rimšēvič.

The Credit Register Regulations

Original Language Title: Kredītu reģistra noteikumi

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