Cabinet of Ministers Regulations No. 18 in 2016 (January 5. No 1 29) amendments to the Cabinet of Ministers of 29 March 2011-Regulation No 245 "provisions on procedures for the issue, re-register, suspend or revoke the special permission (license) consumer lending services and pay the State fee for the special permission (license) and renewal, as well as requirements for special permissions capital company (license)" Issued under the consumer protection act article 8 part 1 1.3. make the Cabinet of Ministers of 29 March 2011-Regulation No 245 "rules on the order of that issue, re-register, suspend or revoke the special permission (license) consumer lending services and pay the State fee for the special permission (license) and renewal, as well as requirements for special permissions capital company (license) "(Latvian journal, 2011, 53, 114, 151. no; in 2012, 2013, 154. No; 135., 202. no; by 2014, nr. 159.) the following amendments: 1. provisions of title be expressed as follows:" the provisions of the special permission (license) consumer lending services; 1.2. deleting subparagraph 1.3; 1.3. make 1.5. subparagraph by the following: "1.5. the order in which the State fee payable for special permissions (licenses) and the annual State fee for lending service provider oversight of operations, as well as the amount of State fee."; 1.4. the deletion of paragraph 3; 1.5. deletion of paragraph 5, the words "or have made special permissions (licenses) of the renewal"; 1.6. make point 7 by the following: "7. Consumer Protection Center before a decision on the special permission (license) the issuance, suspension or withdrawal of the special permission (license) the period of validity shall be entitled to give guidance to the Corporation on the operations that must be performed to ensure the Corporation is complying with the requirements of this regulation."; 1.7. Add to subparagraph 9.5. behind the words "Corporation's share capital" by the words "or that the members of the Corporation forfeited pay"; 1.8. deleting subparagraph 12.3; 1.9. to replace the words in paragraph 12.4. "the founders" with the word "members"; 1.10. to replace the words "paragraph 13.1.2." with the words "founder members"; 1.11. the deletion of the second sentence of paragraph 23; 1.12. the express 27 the following: 27. If the special permissions (licenses) changes during the operation of these provisions, annex 1 2, 3, and 4. the information specified in points, the Council of the Corporation (if established) or the composition of the members of the Management Board, the members of the Corporation shall be part of the change in share capital or shareholders (participants), the Corporation is obliged to inform the consumer protection centre and submit current information within 10 working days of the date when made or a change. If these changes affect non-resident, the information added to the changes of the supporting documents. '; 1.13. deleting Chapter IV; 1.14. supplement with 24.2. subparagraph by the following: "24.2. a corporation has not paid the annual State fee for lending service provider oversight of operations in these regulations and within the time limit set."; 1.15. the express 48, second sentence the following wording: "If a special permit (license) is cancelled, the Corporation paid the State fee for the special permission (license) and the annual State fee for the credit monitoring service provider will not be refunded. '; 1.16. the express 51.50 and point as follows: "50. Annual national toll for the lending service provider oversight of operations is 14 225 €. 51. the national fee for special permissions (licenses) of the issuing Corporation paid before this provision in paragraph 12 to the application of consumer protection Center. "; 1.17. supplement with 51.1 points in this version: "the annual State fee of 51.1 for the lending service provider oversight of operations the Corporation pays: 51.1 1. – for the first time, until the day of the special permission (license) to the date of issue, one year has passed, in proportion to the number of days for the period up to the end of the calendar year. The annual State fee for lending transactions monitoring service provider does not pay for the first calendar year after the date of the issue the special permit (license); 51.1 2. for each of the next calendar year, up to the current year's December 1. "; 1.18. replace paragraph 52, the word "renewal" with the words "annual State fee for the credit monitoring service provider"; 1.19. the express 54. paragraph by the following: "54. If the special permissions (licenses) are denied the service, State revenue service, based on the consumer rights protection centre on the special permissions (licenses) of the refusal to grant the Corporation shall reimburse the paid State fee in accordance with the law "About taxes and fees". "; 1.20. supplement with 58 points by the following: "58. Special permit (licence) issued or re-registered by 2015. December 31, are valid until the special permission (license) the specified deadline, unless a decision is taken on the special permission (license) the cancellation or suspension in accordance with these rules. Not later than two months before the special permission (license) the specified expiration date a corporation shall submit the consumer rights protection centre of the free application form for special permission (license) issued at the time. In this case, the State fee is not charged. The application of this provision is added to paragraph 12 of that report and in the documents if the information has changed or expired period of validity of the document, and this information is not communicated to the consumer rights protection centre in accordance with paragraph 27 of these regulations. To the existing license expires, the Corporation shall pay the State fee for lending service provider oversight of operations in proportion to the number of days for the period of the special permission (license) the expiry date until the end of the calendar year. "; 1.21. Express 1 and 2 of the annex by the following: "1. the annex to Cabinet of Ministers of 29 March 2011-Regulation No 245

Application for special permit (license) for the consumer protection Centre 1. information on the corporation name (trade name) registration number of the commercial register (or the equivalent competent authority of the European Union or the European economic area in which the Corporation is registered) address phone number fax number e-mail address 2. Corporations contact name telephone number fax number e-mail address 3. details of the business (customer service), the location (address) or sites and corporations Web site that are offered in information society services (if a corporation shall provide such): 3.1 the particulars of business (customer service), the location (address) or sites customer service site name (if any) address offered lending services 3.2. details of the Corporation's internet site (sites), which are or will be offered to consumers in the information society services Internet site address offered lending services 4. information about the lending services that the Corporation offers or plans to offer Consumer Credit (mark with X) support (mark with X) brief description of the services the mortgage credit acquisition of immovable property Other credit for the acquisition of immovable property other than mortgage loans other credit, secured by mortgage on immovable property (specify) ____ ____ ____ ____ ____ ____ ___ loan against pledge of movables (lombard loans) credit consumer product or service purchase financial leasing use lease billing credit cards other (specify) _____ _____ _____ _____ _____ _____ note. * If necessary, supplemented with the new table column. 5. information about the Corporation's employee competence and consumer lending services that provide or will provide services to consumer lending, and information on how the competence of staff is provided (for example, recruitment methods, employee education, employee training programs, and other activities) 6. Please issue a special permit (license) consumer lending services in the Republic of Latvia from the _____. year ___. _____ _____. * note. * Fill in if that consumer lending services will be started not earlier than four months after the filed application for special permission (license). 7. I want to get the license (mark with X): a paper document in the form of an electronic document in the form of electronic document circulation of regulatory laws in the order 8. Certify that: 8.1 the Corporation has developed a procedure for providing consumer lending services, consumer complaints and assesses the consumer's ability to repay loans; 8.2. the Corporation's employees are competent for consumer lending services; 8.3. If the Corporation offers or plans to offer consumer credit agreement, the consumer shall be concluded between the Corporation in stock as collateral for a real thing: 8.3.1. all premises which are carried out or planned provision of consumer and mortgage storage, meet consumer lending requirements; 8.3.2. have concluded or to be concluded with a security guard merchants who operate in accordance with the law on security activities to ensure compliance with the service consumer lending requirements; 8.3.3. the insured's civil liability for the Act or omission of the Corporation due to the injury suffered by the Corporation for the deposited securities. 9. I certify that I am aware of obligation under the Cabinet of Ministers of 29 March 2011 no 245 of the provisions of the "regulations on special permit (license) consumer lending services" 25 and 27 provide consumer protection Center information about the merchant name, registered office, as well as in the application and the documents annexed thereto supplied the change within 10 days after the change is made. 10. I certify that I am aware of the fact that false or misleading information the consumer protection centre is a violation of the special permission (license) the receipt can be refused or granted special permission (license) can be reversed. About business without special permission (license) to the Latvian legislation provides both administrative and criminal liability. (Mark with X): statement of criminal and administrative criminal record from the country of residence of the person in authority that maintains information about criminal convictions in accordance with national law (if the Corporation Council (if one exists) or Board member is an alien) authorized representative power of Attorney (if the application is lodged by the authorised representative of the) other (specify) ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ___ merchant Officer (name) (signature) (date) Note. The document properties "date" and "signature" does not fill in, if an electronic document is drawn up according to the law on electronic document design. 2. the annex to Cabinet of Ministers of 29 March 2011-Regulation No 245 consumer protection Center special permit (license) no _____ name of the economic operator's registration number in the trade register (or the equivalent competent authority of the European Union or the European economic area in which the Corporation is registered) the operator's registered office special permit (licence) issued consumer lending services in the Republic of Latvia of ____. year ___. ________, based on the consumer rights protection centre of ____. the year ____. _ _ _ _ _ _ _ no _ _ _.

Consumer Protection Center Director (name) (signature) z. URv.* note. Document properties in the "signature" and "Z" does not fill in the v. If an electronic document is drawn up according to the law on electronic document design. " 1.22. deletion of annex 4. 2. provisions applicable to January 1, 2016. The Prime Minister is the Rapidity of economic Newsletters, Minister Dana Reizniec-oak