Decision on the Results of the Thematic Control Conducted within OCN EASY CREDIT SRL

REPUBLIC OF MOLDOVA NATIONAL COMMISSION OF THE FINANCIAL MARKET

DECISION 10 August 2026 No. 39/3 On the results of the thematic control conducted within OCN “EASY CREDIT” SRL

In accordance with the Control Activities Plan of the National Commission of the Financial Market for 2026 (annex to Decision of the National Commission of the Financial Market (CNPF/authority) No. 62/4/2025), during the period 12.05.2026 – 09.08.2026, within OCN “EASY CREDIT” SRL (participant/creditor), a thematic control was carried out, ordered by CNPF Decision No. 23/2 dated 12.05.2026 on conducting the thematic control within OCN “EASY CREDIT” SRL (Decision No. 23/2/2026).

The control aimed to verify compliance by OCN “EASY CREDIT” SRL with the provisions of Art. 15 para. (7) lit. b) of Law No. 202/2013 on consumer credit contracts (in the version valid until 25.10.2025, hereinafter – Law No. 202/2013) and Art. 15¹ para. (1) lit. b) of the same law, in relation to credit contracts concluded during the period 01.01.2024 – 11.05.2026.

In accordance with the provisions of Art. 70 para. (1) of the Administrative Code and item 26 sub-item 4) of the Regulation on the Administrative Control Procedure (CNPF Decision No. 60/10 dated 05.12.2023, hereinafter – Regulation No. 60/10/2023), the participant was informed about the initiation of the thematic control, as well as about its rights and obligations, by CNPF letter No. 04-5/1848 dated 13.05.2026, to which the Control Plan, approved by CNPF Decision No. 23/2/2026, was attached.

The thematic control was conducted on-site, at the participant's premises, based on the information and documents presented by it, at the request of the control team. By letters dated 20.05.2026 and 08.06.2026, the participant was requested to present the register of credit contracts, with explicit indication of mandatory fields, including the disbursed amount, total credit value, total payable value, total cost of credit, calculated penalties, and collected penalties, as well as credit files, selected according to an objective, neutral, and predetermined criterion.

As a result of the thematic control, violations of the regulatory framework under verification were found, which were recorded in the Provisional Control Act, sent to the participant on 01.07.2026.

Subsequently, on 10.07.2026, OCN “EASY CREDIT” SRL submitted objections regarding the findings reflected in the Provisional Control Act.

Accordingly, on 21.07.2026, the control team sent to the participant the Divergence Table and the Act on the results of the thematic control conducted within OCN “EASY CREDIT” SRL (Control Act). Following the examination of the objections, Chapter II item 1 of the Control Act was supplemented by maintaining the finding regarding credit contracts for which the participant invoked the existence of court judgments, which were individualized in Annex No. 3 to the Control Act.

Regarding the administrative procedure, it is noted that, in order to respect the right to be heard before issuing the individual administrative act, in accordance with Art. 94 of the Administrative Code, by CNPF letter No. 04-5/3090 dated 21.07.2026 (sent to the email address client@easycredit.md), OCN “EASY CREDIT” SRL was informed about the date and time of the hearing (in this case, 24.07.2026, at 15:00).

During the hearing on 24.07.2026, the representative of OCN “EASY CREDIT” SRL maintained the position expressed in the reference dated 10.07.2026 regarding the Provisional Control Act, expressing disagreement with the findings of the control team. In particular, he invoked that the control team did not take into account the existence of final and irrevocable court judgments, as well as pending disputes, repeatedly subjected to verification contracts examined previously within administrative procedures, and did not specify the methodology for determining the total cost of credit applicable to contracts with “closed” status.

Furthermore, the participant's representative claimed that Art. 15¹ para. (1) lit. b) of Law No. 202/2013 establishes a distinct legal regime from that provided in Art. 15 para. (7) lit. b) of the same law, in force until 25.10.2025.

Complementarily, the participant's representative invoked the need to consider the limits of payment obligations communicated to consumers via notifications.

Additionally, during the hearing, supplementary explanations in written form were presented, with attachments (registered at CNPF under No. 6367), which were attached to the hearing record of the participant in the administrative procedure.

At the same time, the representative of OCN “EASY CREDIT” SRL requested a period until 04.08.2026 to present supporting documents.

Subsequently, on 04.08.2026, OCN “EASY CREDIT” SRL submitted supplementary explanations, accompanied by relevant supporting documents.

Under items 67 and 68 of Regulation No. 60/10/2023, the explanations and documents attached to the hearing record of 24.07.2026 constitute circumstances taken into account when adopting the decision on the results of the control.

Some of the aspects invoked during the hearing reiterate the objections previously formulated, regarding which the control team had already expressed its position in the Divergence Table.

Nevertheless, in compliance with Art. 118 para. (1) of the Administrative Code, it is necessary to state the CNPF's position on the arguments and evidence presented additionally during the hearing, as well as to supplement the position expressed regarding the objections already examined.

Therefore, taking into account the aspects and facts found during the control, reflected in the Control Act, as well as the objections presented by the participant, including during the hearing, the following are retained:

1. Non-compliance with the provisions of Art. 15 para. (7) lit. b) of Law No. 202/2013, in the version in force until 25.10.2025, and Art. 15¹ para. (1) lit. b) of Law No. 202/2013

Out of the total of 309,609 records related to credit contracts presented, in the case of 973 contracts (Annex No. 1 to the Control Act), a violation of the provisions of Art. 15 para. (7) lit. b) of Law No. 202/2013 (in the version in force until 25.10.2025) and, respectively, Art. 15¹ para. (1) lit. b) of Law No. 202/2013 (in the version in force from 25.10.2025) was found.

In this context, the verification of compliance with the legal limit was carried out by reference to the data communicated by OCN “EASY CREDIT” SRL, including regarding the disbursed amount, total payable value, total credit value, and calculated penalties.

Subsequently, the participant communicated that, in the case of 13 credit contracts, during data entry, into the fields intended for calculated and collected penalties, commissions related to the respective contracts were also included, although they were already included in the total payable value used for the calculation, thus being accounted for twice. The corrected data were presented in the annex to the explanations dated 24.07.2026.

By the explanations presented on 04.08.2026, the participant confirmed that, following the repeated verification of the entire list of contracts, no additional cases of the same nature were identified.

The explanations presented by the participant should be accepted. Consequently, the 13 credit contracts are excluded from the list of contracts regarding which a violation of Art. 15 para. (7) lit. b) of Law No. 202/2013 (in the version in force until 25.10.2025) and Art. 15¹ para. (1) lit. b) of Law No. 202/2013 (in the version in force from 25.10.2025) was found.

Therefore, the number of credit contracts regarding which a violation is found is reduced from 986 to 973, and Annexes No. 1, No. 2, and No. 3 to the Control Act are modified accordingly.

Regarding the violation found, according to Art. 15 para. (7) lit. b) of Law No. 202/2013 (in the version in force until 25.10.2025), “(7) It is prohibited: b) establishing the total cost of credit (which includes interest, commissions, fees, penalties, late interest, and any other type of payment) higher than the disbursed amount according to the respective contract (or the entry value of the good in the financial leasing contract), a credit that is not intended for the purchase, construction, or renovation (modernization) of a housing guaranteed with real estate to secure the payment obligation of the respective credit.”.

In the same sense, Art. 15¹ para. (1) lit. b) of Law No. 202/2013 (in the version in force from 25.10.2025) provides that “(1) It is prohibited: b) establishing the total cost of credit, which includes interest, commissions, fees, penalties, and any other type of payments, higher than the disbursed amount according to the respective contract or the financed value in the financial leasing contract – in the case of a credit that is not intended for the purchase,

construction, or renovation (modernization) of a housing guaranteed with real estate to secure the payment obligation of the respective credit.”.

From the content of the cited norms, it results that the legal prohibition concerns the establishment of the total cost of credit in an amount higher than the disbursed amount according to the contract. In this case, both under Art. 15 para. (7) lit. b) of Law No. 202/2013 (in the version in force until 25.10.2025) and under Art. 15¹ para. (1) lit. b) of Law No. 202/2013 (in the version in force from 25.10.2025), the concept of “total cost of credit” is different from that in Art. 3 of the same law; it includes interest, commissions, fees, penalties, and any other payments imposed on the consumer. Accordingly, for the purposes of this decision, the concept of “total cost of credit” will be used strictly in the sense of the aforementioned norms.

Both versions operate with the notion of “establishment”. According to the definition in the Explanatory Dictionary of the Romanian Language (second revised and added edition) Romanian Academy, Institute of Linguistics, Editura Univers Enciclopedic Gold, 2009, the verb “a stabili” (to establish) means “to fix, to decide, to provide expressly”. Thus, the prohibition concerns the existence in the contract of contractual clauses under which obligations may be imposed, or assumed, respectively, which, cumulatively, could lead to a total cost of credit higher than the disbursed amount according to the respective contract.

From the perspective of the applicability of the cited norms, a detailed examination requires interpreting the manner of application of the norm in relation to penalties. In this sense, it is noted that according to Art. 992 para. (1) of the Civil Code, the contract is the agreement of will realized between two or more persons by which legal relations are established, modified, or extinguished.

Based on the exposed norms, it results that the assessment of exceeding the limit provided in Art. 15 para. (7) lit. b) of Law No. 202/2013 (in the version in force until 25.10.2025) and respectively Art. 15¹ para. (1) lit. b) of Law No. 202/2013 (in the version in force from 25.10.2025) involves a complex character determined distinctly in time depending on the moment of the effective birth of the obligation in relation to the debtor, the moment when the premise of “establishment” materializes.

2. Regarding 254 credit contracts, the creditor notified consumers regarding the waiver of amounts exceeding the limit provided by the examined norms, invoking the mechanism regulated in Art. 15¹ para. (6) of Law No. 202/2013.

For these contracts, the verification was also carried out by reference to the monetary obligations resulting from the application of reductions communicated via the respective notifications. Upon verification, it was found that, in the case of 180 out of the 254 contracts, even after applying the reduction, the total cost of credit remains higher than the disbursed amount, because the calculated penalties maintain the exceedance of the legal limit (Annex No. 2 to the Control Act).

In this context, regarding the notification as a mechanism for compliance and remediation, the mechanism provided in Art. 15¹ para. (6) of Law No. 202/2013 produces the legal effects established by law only in the case of an effective, definitive, and unconditional waiver of amounts exceeding the legal limits.

In the examined notifications, the creditor communicates the waiver of amounts exceeding the legal limit and the corresponding reduction of the consumer's obligations, explicitly stating that the waiver operates “subject to the timely payment of all monetary obligations assumed”. Such wording does not represent a definitive waiver, but a reduction conditioned on the subsequent conduct of the consumer. In the event of non-timely execution, penalties calculated according to the contract could determine a new exceedance of the legal limit.

The creditor cannot simultaneously claim that the indicated amount represents the maximum due by the consumer and that the waiver of the amount exceeding this limit depends on the punctual execution of the contract. Since the examined norms explicitly include penalties in the composition of the cost subject to the limit, the emergence of arrears cannot constitute grounds for non-application of the waiver.

Nor can the argument be retained that the notification eliminates fault and the occurrence of sanctioning consequences, under Art. 15¹ para. (7) of Law No. 202/2013. The invoked legal effects presuppose a valid waiver in the sense of para. (6) of the same article, a condition not met in this case. The argument that the creditor could not know the future conduct of the debtor cannot be retained, as the legal limit must be respected even in the hypothesis of delayed execution of contractual obligations.

3. Additionally, from the information presented by the participant, it results that, out of the 973 credit contracts mentioned above, regarding 130 contracts there are final and irrevocable court judgments, by which disputes regarding the collection of claims resulting from the respective contracts were resolved; the contracts in question are indicated in Annex No. 3 to the Control Act.

At the same time, it was found that 3 contracts included in Annex No. 3 to the Control Act, with No. [...], [...] and [...], are not found among the contracts regarding which violations were found; their inclusion constitutes a technical error admitted in drafting the annex. Therefore, the number of contracts with violations found regarding which there are final and irrevocable court judgments from Annex No. 3 to the Control Act is to be modified accordingly.

According to Art. 118 para. (3) of the Code of Civil Procedure, circumstances that are important for the fair resolution of the case are determined by the court starting from the claims and objections of the parties and other participants in the process. According to Art. 240 para. (1) of the same code, in deliberating on the judgment, the court evaluates the evidence, determines the circumstances important for the resolution of the case, and establishes which legal norm is to be applied, in relation to the case submitted for judgment. The cited norms confirm that judicial examination is carried out within the limits of the court's jurisdiction, determined by the claims and objections formulated by the parties, and Art. 16 of the Code of Civil Procedure, which establishes the mandatory nature of court judgments, does not extend the object of the judgment to aspects that were not submitted for examination.

The circumstance that, in some cases, reconventional actions with the object of nullity of abusive clauses were examined and rejected attests to the contradictory nature of the process, but does not equate to the verification of compliance with the limit provided in Art. 15 para. (7) lit. b) of Law No. 202/2013 (in the version in force until 25.10.2025), respectively Art. 15¹ para. (1) lit. b) of the same law. The abusive nature of a contractual clause and the respect for the legal limit of the total cost of credit are distinct legal issues, subject to their own criteria of assessment; this does not constitute the object of judgment in the respective cases.

In this context, the existence of final and irrevocable court judgments regarding the collection of claims resulting from the respective contracts does not exclude the finding, within the present control, of the creditor's conduct in relation to the respect for the aforementioned mandatory norms, to the extent that the respective court judgments do not result that the legality of establishing the total cost of credit in relation to the limit provided by these norms constituted the object of examination and resolution by the court.

The finding made regarding these contracts has as its exclusive object the creditor's conduct in relation to the respect for the aforementioned mandatory norms and does not presuppose the re-examination, modification, or removal of the effects of the judgments pronounced in the case.

Therefore, the CNPF's finding does not affect the authority of res judicata and does not call into question the payment obligations established by them.

Consequently, the remedial measures ordered by this Decision do not apply to the credit contracts in Annex No. 3 to the Control Act; they are retained exclusively for the purpose of establishing the creditor's violation of the applicable mandatory norms.

4. Regarding the fact that, in some civil disputes where CNPF has the quality of accessory intervenor, the authority did not notify the court regarding the possible exceedance of the legal limit, it should be noted that the CNPF's position, within such a process, is formulated in relation to the object of the dispute and based on the materials and evidence presented by the parties. Moreover, these do not allow, in all cases, the carrying out of a complete verification and the formulation of a finding regarding the respect for all legal requirements applicable to the creditor's activity.

Therefore, the fact that CNPF did not invoke, in a certain civil case, the existence of a possible violation cannot be interpreted as a confirmation of the legality of the creditor's conduct or as an expression of a definitive position of the authority regarding the respect for the legal limit. The finding of such a violation, within the exercise of supervision and control powers, presupposes an examination carried out within the limits of CNPF's competencies and based on the information and documents available to the authority.

5. Regarding the qualification of the summons as a notification, according to Art. 15¹ para. (6) of Law No. 202/2013, the creditor has the right to notify the consumer regarding the reduction of monetary obligations, as a result of the waiver of amounts exceeding the legal limits, without concluding an additional act. The norm establishes a compliance mechanism whose object is informing the consumer about the reduction of its own obligations and which presupposes an effective, definitive, and unconditional waiver by the creditor of the amounts set above the legal limit. The legal effects of the mechanism are thus conditioned by the content of the manifestation of will, and not by the form in which it is expressed; the law does not establish a determined form of notification.

According to Art. 166 of the Code of Civil Procedure, the summons is the procedural act by which the plaintiff invests the court, indicating its claims, the circumstances on which it bases its claims, and the evidence confirming them.

The act expresses the extent of the claims submitted for judgment in a certain dispute and is addressed to the court, and not to the consumer.

At the same time, according to Art. 60 para. (2) of the Code of Civil Procedure, the reduction of the amount of claims and the waiver of action constitute distinct procedural acts of disposition, subject to a specific regime, but neither of them produces, by itself, the extinction of the creditor's right to claim the rest of the debt calculated on the basis of the contract.

Waiver of a right is not presumed and must result unequivocally from the manifestation of will of the holder. Determining, by the summons, an amount of claims lower than that resulting from the application of contractual mechanisms reflects the procedural option of the creditor regarding the part of the debt submitted for realization in a dispute, without containing a waiver of amounts exceeding the legal limit. Communicating a copy of the summons to the defendant, according to procedural norms regarding citation and transmission of procedural acts, does not confer upon this act the nature of a notification in the sense of Art. 15¹ para. (6) of Law No. 202/2013 and does not transform it into a manifestation of will to waive rights.

At the same time, it is noted that the reduction of the amount requested from consumer debtors within the summons is carried out in light of contractual clauses regarding resolution and early maturity, but not on the basis of Art. 15¹ para. (6) of Law No. 202/2013.

6. Regarding the request for suspension of the administrative control procedure, according to item 20 sub-item 1) of Regulation No. 60/10/2023, “1) the conduct of the administrative control procedure and/or the adoption of the decision on the results of the control depend on an act, a preliminary operation, or a legal relationship, which must be established by another public authority or form the object of another pending administrative or judicial procedure. The procedure shall be suspended until the issuance of the respective act, the performance of the respective preliminary operation, the establishment of the legal relationship, the completion of the administrative procedure, or until the issuance of a final court judgment.”.

The norm establishes a right of the supervisory authority, and not an obligation; the formulation “may be suspended” conferring upon it the faculty to assess the appropriateness of suspension. The exercise of this right presupposes the fulfillment of the condition of dependence provided by the norm, namely that the conduct of the control or the adoption of the decision on its results cannot be possible without the act, the preliminary operation, or the legal relationship that forms the object of the pending procedure.

That condition is not met in this case. Moreover, the finding of violation of Art. 15 para. (7) lit. b) of Law No. 202/2013 (in the version in force until 25.10.2025), respectively Art. 15¹ para. (1) lit. b) of the same law 2013 (in the version in force from 25.10.2025) is based on the monetary obligations established by the contractual clauses and by the agreed calculation mechanisms, elements which result from the documents and information presented by the participant and which can be assessed independently of the solutions to be pronounced in the invoked disputes. Therefore, the adoption of this Decision does not depend on the judgments of the courts.

7. Regarding the request to exclude credit contract no. [...], following the re-examination of the materials, including additional information presented by the participant during the administrative control procedure, it is established that credit contract no. [...] was previously the subject of an administrative procedure conducted by the CNPF, finalized by the Order of the CNPF Chairman no. 1140 dated 30.10.2025, within the framework of which the creditor's claims were restricted to the disbursed amount. The procedure was concluded due to the admission of the petition representative's request, who communicated that he no longer had claims against the creditor.

The fact that the legal relationship resulting from credit contract no. [...] was the subject of an administrative procedure initiated on the basis of a petition does not prevent its examination within a control procedure. The two procedures have distinct objects, grounds, and purposes: the procedure initiated on the basis of the petition had as its object the examination of claims formulated by a specific consumer, while the control procedure has as its object verifying the participant's compliance with mandatory legal norms applicable to its activity.

Furthermore, the documents of the administrative procedure initiated on the basis of the petition do not show that the CNPF ruled on the compliance with the legal cap subject to verification or that it established the conformity of the total cost of credit associated with contract no. [...] with the provisions of Law no. 202/2013. The conclusion of the procedure due to the communication by the petition representative regarding the lack of claims against the creditor does not equate to an administrative finding regarding the legality of the creditor's conduct in terms of compliance with the legal cap.

Under these conditions, the examination of credit contract no. [...] within the control does not represent a double administrative assessment of the same issue, but the exercise of the CNPF's supervisory and control powers regarding the compliance with mandatory norms applicable to the creditor's activity. Therefore, the finding made during the control regarding this contract must be maintained.

8. Regarding the legal regimes applicable before and after 25.10.2025, according to Art. 51 para. (2) of Law no. 100/2017 on normative acts, the name of the article succinctly expresses the subject of regulation. The name of the article thus fulfills an identification function, without having its own normative significance and without being able to modify, restrict, or replace the provisions contained in the article. Consequently, the name of Art. 15¹ of Law no. 202/2013 – "Measures to limit payments and restructuring measures" and the meaning attributed to the term "payments" cannot be opposed to the explicit normative content of para. (1) lit. b) of the same article, which prohibits setting the total cost of credit at an amount higher than the disbursed value according to the contract, and which has not undergone a modification in its essence, through the exposition in a new wording of the article for the purpose of optimizing the normative exposition.

Moreover, the term "payments" cannot receive the meaning proposed by the participant. Payments due by the consumer within the credit relationship have their source in contractual clauses and agreed calculation mechanisms, being established by them prior to and independently of their actual execution. The limitation of payments, referred to in the name of the article, is achieved by limiting the amount in which they can be established against the consumer, such that the reference to the notion of "payments" does not shift the object of the prohibition from the setting of the total cost of credit to the actual collection or payment of sums.

According to Art. 15 para. (7) lit. b) of Law no. 202/2013 (in the wording in force until 25.10.2025), and Art. 15¹ para. (1) lit. b) of Law no. 202/2013 (in the wording in force from 25.10.2025), it is prohibited to set the total cost of credit, which includes interest, commissions, taxes, penalties, and any other type of payment, at an amount higher than the disbursed value according to the contract. The norm operates with the term "setting," and not with the collection or payment of sums by the consumer; both wordings are identical in this regard. Compliance with the cap is therefore verified by reference to the pecuniary obligations established on the basis of the contract, including penalties calculated according to contractual clauses.

9. Regarding the determination of the total cost of credit by the accounting document issued upon full payment, the CNPF reiterates that the prohibited act consists in the setting of the total cost of credit, in its extended meaning, and is consummated at the moment when, on the basis of contractual clauses and calculation mechanisms provided by them, the amount of pecuniary obligations imposed on the consumer is determined.

Therefore, the verification of compliance with the legal cap is carried out by reference to obligations thus established, and not at the moment when sums become due or are actually paid by the consumer.

The "Closed" status of the contract does not modify the applicable legal regime. The execution and subsequent termination of the contractual relationship do not remove the violation produced at the moment of setting the total cost of credit, since the legal prohibition is not conditioned by the exigibility or actual payment of sums by the consumer. The fact that a contract has been fully executed attests to the extinction of contractual obligations, and not to the conformity of the amount in which they were established with the legal cap.

The accounting document issued upon full payment of the credit, as well as the written information transmitted to the debtor on this occasion, reflect the sums actually collected by the creditor, and not the amount of the total cost of credit established on the basis of the contract; the latter constitutes the object of verification. The accounting document may have probative relevance for determining the sums actually paid, but it does not modify or remove the finding regarding the amount of the total cost of credit established previously on the basis of contractual clauses and applicable calculation mechanisms.

10. Regarding the due date of costs and the imputation of execution, through the explanations dated 04.08.2026, the participant argued that the method applied includes costs that have not become due, that renunciation can only operate on due costs, and that the solution retained contradicts the provisions of Art. 875 and Art. 912 of the Civil Code, benefiting consumers who do not fulfill their obligations in good faith.

The argument starts from a premise that does not correspond to the content of the examined norms. The prohibition concerns the setting of the total cost of credit, and not the exigibility or collection of its components. The due date determines the moment from which an obligation can be demanded for execution, without influencing the moment at which it was established and without modifying the amount determined by contractual mechanisms.

Art. 875 of the Civil Code regulates the imputation of execution, i.e., the obligation to which an executed performance is attributed when the debtor owes several obligations of the same nature. The norm thus operates at the stage of execution and presupposes validly established obligations, without determining the maximum limit of costs that the creditor is entitled to establish according to Law no. 202/2013.

The order of imputation, whether legal or agreed by contract, cannot validate obligations established above the mandatory cap.

In the same sense, Art. 912 para. (1) of the Civil Code consecrates the creditor's right to obtain forced payment of money sums due that have become due. The norm concerns the realization of the claim, and not its formation, and does not derogate from the special norm of limitation.

Nor is the renunciation mechanism provided for in Art. 15¹ para. (6) of Law no. 202/2013 conditioned by the due date of sums. The object of renunciation consists of sums that exceed the limits provided for in para. (1) and/or para. (3) of Law no. 202/2013, regardless of their exigibility at the moment of renunciation.

Regarding the support according to which the solution would benefit consumers who do not fulfill their obligations, it is retained that the examined norm has a mandatory character and is established in the public interest, its application not being conditioned by the debtor's conduct.

The legal defense means provided for in Art. 901 of the Civil Code, including the creditor's right to apply penalties, remain at the creditor's disposal, their exercise being circumscribed by the special norm. The consequence invoked by the participant does not result from the method applied by the control team, but from the legal effect, expressly provided by the legislator, in the case of violation of the legal cap.

It is also retained that the verification was based on the amount of penalties calculated and reported by the participant, as reflected in its records, and not on the amount of penalties that could be requested on the basis of contractual clauses.

Thus, in the sense of the above, on the basis of Art. 1 para. (1), Art. 4 para. (2¹) lit. c), Art. 8 lit. b) and lit. f¹), Art. 18 para. (3), Art. 20 para. (1), para. (6) and para. (7) and Art. 22 para. (3) of Law no. 192/1998 on the National Financial Market Commission, Law no. 202/2013 on consumer credit contracts, the Administrative Code, the Regulation on the administrative control procedure (CNPF Decision no. 60/10/2023), point 16 and point 19 of the Regulation on the organization and functioning of the National Financial Market Commission (CNPF Decision no. 57/11/2022),

The National Financial Market Commission DECIDES:

1. The Act on the results of the thematic control conducted within OCN "EASY CREDIT" SRL (Control Act) regarding the verification of compliance with the provisions of Art. 15 para. (7) lit. b) of Law no. 202/2013 on consumer credit contracts (in the wording in force until 25.10.2025) and Art. 15¹ para. (1) lit. b) of Law no. 202/2013 on consumer credit contracts (Law no. 202/2013), with respect to credit contracts concluded in the period 01.01.2024 – 11.05.2026, is approved, with the following modifications:

1.1. In Chapter II "The Findings Part", point 1, the number "986" is replaced with the number "973"; 1.2. Annexes no. 1, no. 2, and no. 3 to the Control Act are adjusted accordingly to the modifications mentioned in point 1 and point 3 of the reasoning part of the Decision (Annex no. 1, Annex no. 2, and Annex no. 3 to the Control Act are attached).

2. The violation by OCN "EASY CREDIT" SRL of the provisions of Art. 15 para. (7) lit. b) of Law no. 202/2013, in the wording in force until 25.10.2025, and Art. 15¹ para. (1) lit. b) of Law no. 202/2013, is established, by setting the total cost of credit, which includes interest, commissions, taxes, penalties, and any other type of payment, at an amount higher than the disbursed value according to the contract, regarding 973 credit contracts, indicated in Annexes no. 1, no. 2, and no. 3 to the Control Act mentioned in point 1.

3. OCN "EASY CREDIT" SRL is prescribed, within 180 days, regarding the credit contracts listed in Annexes no. 1 and no. 2 to the Control Act mentioned in point 1, with the exception of contracts from Annex no. 3, to perform, as applicable, the following actions/measures:

3.1. The return of sums, collected in the form of interest, commissions, taxes, penalties, late interest, or any other type of payment, paid by consumers, which exceed the value of the credit disbursed according to the respective contract; 3.2. Notifying the debtors targeted in the credit contracts from the aforementioned annexes about the fact that the creditor collected only the disbursed sum;

4. OCN "EASY CREDIT" SRL is recommended:

4.1. To revise contractual clauses and calculation mechanisms for interest, commissions, taxes, penalties, and other payments, so that the total cost of credit established against the consumer does not exceed the disbursed value according to the contract, including in the case of delayed execution of contractual obligations by the debtor; 4.2. To adjust the information system used for calculating the cost of credit, so that compliance with the legal cap is ensured at the moment of determining and establishing pecuniary obligations against the consumer.

5. OCN "EASY CREDIT" SRL will inform the CNPF monthly about the measures taken to execute point 3 of the operative part of this Decision, attaching confirmatory documents.

6. Control over the execution of this Decision is placed on the Credits/Deposits Directorate within the Consumer Protection Supervision Department.

7. This Decision may be contested by filing a preliminary request to the CNPF (MD-2012, Chisinau, Stefan cel Mare si Sfant Blvd., no. 77), within 30 days from the date of communication.

8. This Decision enters into force on the date of adoption, is communicated to recipients according to legislation, and is published on the official website of the CNPF (www.cnpf.md).

Dumitru BUDIANSCHI, CHAIRMAN

Order No.	Credit Contract No.	Date of Contract Conclusion
1	084068706	03.03.2026
2	084073018	02.03.2026
3	084119836	18.02.2026
4	084176515	06.02.2026
5	084194695	03.02.2026
6	084195245	03.02.2026
7	084196757	02.02.2026
8	84198890	02.02.2026
9	084205944	30.01.2026
10	084214721	28.01.2026
11	084218890	27.01.2026
12	084227621	24.01.2026
13	084230984	23.01.2026
14	084236773	21.01.2026
15	084256062	17.01.2026
16	084266297	15.01.2026
17	084277007	13.01.2026
18	084289212	11.01.2026
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371 085250552 02.06.2025 372 085251070 02.06.2025 373 085251559 02.06.2025 374 085255076 02.06.2025 375 085258400 30.05.2025 376 085265010 28.05.2025 377 085265273 28.05.2025 378 085265787 28.05.2025 379 085266249 28.05.2025 380 085268489 27.05.2025 381 085269332 27.05.2025 382 085269807 27.05.2025 383 085274347 26.05.2025 384 085279200 24.05.2025 385 085281786 23.05.2025 386 085284700 22.05.2025 387 085286986 22.05.2025 388 085287556 22.05.2025 389 085294290 20.05.2025 390 085295022 20.05.2025 391 085300657 19.05.2025 392 085300815 19.05.2025 393 085301008 19.05.2025 394 085306769 17.05.2025 395 085309096 16.05.2025 396 085310721 16.05.2025 397 085317982 15.05.2025 398 085323343 14.05.2025 399 085324112 14.05.2025 400 085325592 14.05.2025 401 085327440 13.05.2025 402 085328126 13.05.2025 403 085331460 13.05.2025 404 085333534 12.05.2025 405 085337012 12.05.2025 406 085337103 12.05.2025 407 085337509 12.05.2025 408 085337854 12.05.2025 409 085339322 12.05.2025 410 085340922 11.05.2025 411 085343513 10.05.2025 412 085344475 10.05.2025 413 085349309 13.05.2025 414 085350687 08.05.2025 415 085351450 08.05.2025 416 085354825 08.05.2025 417 085359573 07.05.2025 418 085360314 07.05.2025

419 085364088 06.05.2025 420 085366739 06.05.2025 421 085369325 06.05.2025 422 085372589 05.05.2025 423 085374713 05.05.2025 424 085376007 05.05.2025 425 085377572 04.05.2025 426 085379250 03.05.2025 427 085384850 02.05.2025 428 085385470 02.05.2025 429 085385929 02.05.2025 430 085386165 02.05.2025 431 085387056 02.05.2025 432 085388404 01.05.2025 433 085388453 02.05.2025 434 085389286 02.05.2025 435 085391566 30.04.2025 436 085396955 29.04.2025 437 085397647 29.04.2025 438 085397684 29.04.2025 439 085397876 29.04.2025 440 085399180 29.04.2025 441 085399603 29.04.2025 442 085400976 28.04.2025 443 085407433 25.04.2025 444 085410861 02.05.2025 445 085412971 24.04.2025 446 085414127 23.04.2025 447 085415404 23.04.2025 448 085415724 23.04.2025 449 085420634 22.04.2025 450 085422132 22.04.2025 451 085427309 19.04.2025 452 085427671 19.04.2025 453 085430470 18.04.2025 454 085432771 18.04.2025 455 085435683 17.04.2025 456 085442673 16.04.2025 457 085443182 16.04.2025 458 085443432 16.04.2025 459 085446171 15.04.2025 460 085447859 15.04.2025 461 085448061 15.04.2025 462 085454969 14.04.2025 463 085455188 14.04.2025 464 085466095 11.04.2025 465 085468532 11.04.2025 466 085468675 11.04.2025

467 085471527 10.04.2025 468 085472786 10.04.2025 469 085476221 10.04.2025 470 085476594 09.04.2025 471 085477332 09.04.2025 472 085479410 09.04.2025 473 085483604 08.04.2025 474 085484776 08.04.2025 475 085485194 08.04.2025 476 085489083 07.04.2025 477 085489982 07.04.2025 478 085493000 06.04.2025 479 085500832 04.04.2025 480 085502239 04.04.2025 481 085503599 04.04.2025 482 085505341 03.04.2025 483 085505802 03.04.2025 484 085508149 03.04.2025 485 085512413 02.04.2025 486 085512852 02.04.2025 487 085513838 02.04.2025 488 085515531 02.04.2025 489 085517460 02.04.2025 490 085517463 01.04.2025 491 085518893 01.04.2025 492 085519743 01.04.2025 493 085520778 01.04.2025 494 085521782 01.04.2025 495 085522358 31.03.2025 496 085524465 31.03.2025 497 085530568 28.03.2025 498 085530644 28.03.2025 499 085531000 28.03.2025 500 085531454 28.03.2025 501 085533624 27.03.2025 502 085536548 27.03.2025 503 085537314 26.03.2025 504 085537615 26.03.2025 505 085540401 25.03.2025 506 085547138 24.03.2025 507 085547371 24.03.2025 508 085549273 23.03.2025 509 085552323 22.03.2025 510 085554648 21.03.2025 511 085554933 21.03.2025 512 085559043 20.03.2025 513 085561320 20.03.2025 514 085564298 19.03.2025

515 085564404 19.03.2025 516 085565204 19.03.2025 517 085566065 19.03.2025 518 085568293 18.03.2025 519 085568356 18.03.2025 520 085571784 18.03.2025 521 085573573 17.03.2025 522 085575463 17.03.2025 523 085576124 17.03.2025 524 085576658 17.03.2025 525 085578692 16.03.2025 526 085581527 15.03.2025 527 085585417 14.03.2025 528 085588711 14.03.2025 529 085589368 14.03.2025 530 085592008 13.03.2025 531 085592895 13.03.2025 532 085593869 13.03.2025 533 085594360 13.03.2025 534 085601831 11.03.2025 535 085602748 11.03.2025 536 085603087 11.03.2025 537 085603710 11.03.2025 538 085604053 11.03.2025 539 085605401 11.03.2025 540 085607949 10.03.2025 541 085610923 10.03.2025 542 085612592 10.03.2025 543 085618983 08.03.2025 544 085626388 06.03.2025 545 085628015 06.03.2025 546 085628589 06.03.2025 547 085631058 06.03.2025 548 085632245 06.03.2025 549 085633978 05.03.2025 550 085636801 05.03.2025 551 085637772 05.03.2025 552 085644540 04.03.2025 553 085650812 03.03.2025 554 085651568 03.03.2025 555 085659275 28.02.2025 556 085660635 28.02.2025 557 085661108 28.02.2025 558 085663070 27.02.2025 559 085663659 27.02.2025 560 085666402 27.02.2025 561 085666501 27.02.2025 562 085667983 26.02.2025

563 085668332 26.02.2025 564 085669879 26.02.2025 565 085671915 25.02.2025 566 085673281 25.02.2025 567 085673351 25.02.2025 568 085673629 25.02.2025 569 085673828 25.02.2025 570 085674213 25.02.2025 571 085677509 24.02.2025 572 085677873 24.02.2025 573 085678079 24.02.2025 574 085682412 22.02.2025 575 085683609 21.02.2025 576 085684581 21.02.2025 577 085685307 21.02.2025 578 085688017 21.02.2025 579 085689628 20.02.2025 580 085690292 20.02.2025 581 085690704 20.02.2025 582 085693601 19.02.2025 583 085694769 19.02.2025 584 085697067 19.02.2025 585 085697816 19.02.2025 586 085704017 17.02.2025 587 085706706 17.02.2025 588 085711786 15.02.2025 589 085711815 15.02.2025 590 085716856 14.02.2025 591 085718367 14.02.2025 592 085718676 14.02.2025 593 085723257 13.02.2025 594 085724768 13.02.2025 595 085728111 13.02.2025 596 085729201 12.02.2025 597 085731008 12.02.2025 598 085734233 11.02.2025 599 085734469 11.02.2025 600 085734527 11.02.2025 601 085736050 11.02.2025 602 085736127 11.02.2025 603 085736424 11.02.2025 604 085737488 11.02.2025 605 085740054 10.02.2025 606 085744162 10.02.2025 607 085747046 09.02.2025 608 085747669 09.02.2025 609 085748362 09.02.2025 610 085749109 08.02.2025

611 085749379 08.02.2025 612 085749865 08.02.2025 613 085753401 07.02.2025 614 085755071 07.02.2025 615 085757465 06.02.2025 616 085759255 06.02.2025 617 085759367 06.02.2025 618 085764175 06.02.2025 619 085766120 05.02.2025 620 085766564 05.02.2025 621 085771568 04.02.2025 622 085771602 04.02.2025 623 085772930 04.02.2025 624 085775678 04.02.2025 625 085777519 03.02.2025 626 085777862 03.02.2025 627 085779591 03.02.2025 628 085779704 03.02.2025 629 085785338 01.02.2025 630 085785652 01.02.2025 631 085787110 31.01.2025 632 085787568 31.01.2025 633 085788254 31.01.2025 634 085788657 31.01.2025 635 085788749 31.01.2025 636 085790953 30.01.2025 637 085791202 30.01.2025 638 085796825 28.01.2025 639 085797741 28.01.2025 640 085806902 25.01.2025 641 085807040 25.01.2025 642 085807148 25.01.2025 643 085810118 24.01.2025 644 085813669 23.01.2025 645 085815823 23.01.2025 646 085819038 22.01.2025 647 085820040 22.01.2025 648 085820887 22.01.2025 649 085841035 17.01.2025 650 085844599 17.01.2025 651 085845324 17.01.2025 652 085847377 16.01.2025 653 085848515 16.01.2025 654 085850904 16.01.2025 655 085853320 15.01.2025 656 085855549 15.01.2025 657 085855769 15.01.2025 658 085860295 14.01.2025

659 085869409 13.01.2025 660 085869889 13.01.2025 661 085870477 13.01.2025 662 085871365 12.01.2025 663 085873098 11.01.2025 664 085873639 11.01.2025 665 085874097 11.01.2025 666 085880432 10.01.2025 667 085883271 10.01.2025 668 085884237 10.01.2025 669 085885145 09.01.2025 670 085886373 09.01.2025 671 085887626 09.01.2025 672 085894991 06.01.2025 673 085900036 06.01.2025 674 085900136 05.01.2025 675 085907263 03.01.2025 676 085907545 03.01.2025 677 085907801 03.01.2025 678 085908034 03.01.2025 679 085908262 03.01.2025 680 085909923 03.01.2025 681 085913898 02.01.2025 682 085914858 02.01.2025 683 085915133 02.01.2025 684 085915667 02.01.2025 685 085916437 02.01.2025 686 085916496 02.01.2025 687 085918596 31.12.2024 688 085920439 31.12.2024 689 085924094 30.12.2024 690 085927100 29.12.2024 691 085934736 27.12.2024 692 085937319 27.12.2024 693 085945755 26.12.2024 694 085947526 24.12.2024 695 085949542 24.12.2024 696 085950273 23.12.2024 697 085952939 23.12.2024 698 085966615 27.12.2024 699 085975530 17.12.2024 700 085975857 18.12.2024 701 085976537 18.12.2024 702 085978002 17.12.2024 703 085978277 17.12.2024 704 085978337 17.12.2024 705 085982633 16.12.2024 706 085982895 16.12.2024

707 085985458 16.12.2024 708 085996323 13.12.2024 709 085997223 13.12.2024 710 085998956 12.12.2024 711 085999628 12.12.2024 712 086012923 10.12.2024 713 086018075 10.12.2024 714 086018379 09.12.2024 715 086018607 09.12.2024 716 086020382 09.12.2024 717 086026095 07.12.2024 718 086030554 06.12.2024 719 086036061 05.12.2024 720 086039567 05.12.2024 721 086041189 04.12.2024 722 086042803 04.12.2024 723 086046803 04.12.2024 724 086050694 03.12.2024 725 086051339 03.12.2024 726 086054294 02.12.2024 727 086054580 02.12.2024 728 086055587 02.12.2024 729 086055998 02.12.2024 730 086056065 03.12.2024 731 086057129 02.12.2024 732 086063782 29.11.2024 733 086072067 27.11.2024 734 086080083 25.11.2024 735 086085162 23.11.2024 736 086087711 22.11.2024 737 086088532 22.11.2024 738 086088612 22.11.2024 739 086092174 21.11.2024 740 086096721 20.11.2024 741 086103960 19.11.2024 742 086109127 18.11.2024 743 086114177 16.11.2024 744 086114866 16.11.2024 745 086120071 15.11.2024 746 086122905 15.11.2024 747 086126412 14.11.2024 748 086130263 13.11.2024 749 086134983 12.11.2024 750 086136496 12.11.2024 751 086136578 12.11.2024 752 086137177 12.11.2024 753 086137267 12.11.2024 754 086140823 11.11.2024

755 086141101 11.11.2024 756 086142263 11.11.2024 757 086149600 09.11.2024 758 086155174 08.11.2024 759 086155978 08.11.2024 760 086162047 07.11.2024 761 086164284 06.11.2024 762 086169689 06.11.2024 763 086172105 05.11.2024 764 086172453 05.11.2024 765 086173464 08.11.2024 766 086173894 05.11.2024 767 086174377 05.11.2024 768 086179754 04.11.2024 769 086180590 04.11.2024 770 086183811 02.11.2024 771 086188181 01.11.2024 772 086188333 01.11.2024 773 086188603 01.11.2024 774 086189605 01.11.2024 775 086196316 30.10.2024 776 086196513 30.10.2024 777 086207708 26.10.2024 778 086210787 25.10.2024 779 086215924 24.10.2024 780 086218290 23.10.2024 781 086218467 23.10.2024 782 086219482 23.10.2024 783 086220525 23.10.2024 784 086221861 22.10.2024 785 086222654 22.10.2024 786 086223589 22.10.2024 787 086225085 22.10.2024 788 086229775 21.10.2024 789 086231622 20.10.2024 790 086236417 18.10.2024 791 086237856 18.10.2024 792 086242289 17.10.2024 793 086246416 16.10.2024 794 086250829 16.10.2024 795 086255569 15.10.2024 796 086256820 15.10.2024 797 086262046 14.10.2024 798 086262731 14.10.2024 799 086268980 11.10.2024 800 086275064 11.10.2024 801 086276833 10.10.2024 802 086288063 08.10.2024

803 086288113 08.10.2024 804 086292219 10.10.2024 805 086294444 07.10.2024 806 086295204 07.10.2024 807 086316982 02.10.2024 808 086317202 02.10.2024 809 086319601 02.10.2024 810 086324548 01.10.2024 811 086330463 30.09.2024 812 086333450 28.09.2024 813 086352769 23.09.2024 814 086370047 18.09.2024 815 086374578 17.09.2024 816 086377323 17.09.2024 817 086391707 13.09.2024 818 086398909 12.09.2024 819 086403598 11.09.2024 820 086411344 10.09.2024 821 086416969 09.09.2024 822 086421459 08.09.2024 823 086428100 06.09.2024 824 086428538 06.09.2024 825 086438241 04.09.2024 826 086438883 04.09.2024 827 086439648 04.09.2024 828 086446761 03.09.2024 829 086451680 02.09.2024 830 086462009 30.08.2024 831 086463608 29.08.2024 832 086471435 27.08.2024 833 086475843 26.08.2024 834 086481021 24.08.2024 835 086487555 22.08.2024 836 086491888 21.08.2024 837 086494218 21.08.2024 838 086495644 20.08.2024 839 086499989 20.08.2024 840 086512730 16.08.2024 841 086516236 15.08.2024 842 086518805 15.08.2024 843 086520584 15.08.2024 844 086527581 13.08.2024 845 086538041 12.08.2024 846 086541284 10.08.2024 847 086545796 09.08.2024 848 086549268 09.08.2024 849 086558851 07.08.2024 850 086562159 06.08.2024

851 086568605 05.08.2024 852 086568631 05.08.2024 853 086574831 03.08.2024 854 086575370 03.08.2024 855 086579558 02.08.2024 856 086588651 31.07.2024 857 086589717 31.07.2024 858 086597235 30.07.2024 859 086603973 27.07.2024 860 086604802 26.07.2024 861 086618230 23.07.2024 862 086619599 23.07.2024 863 086624023 22.07.2024 864 086634003 19.07.2024 865 086636426 18.07.2024 866 086653941 15.07.2024 867 086657735 14.07.2024 868 086664980 12.07.2024 869 086670574 11.07.2024 870 086675127 10.07.2024 871 086682651 09.07.2024 872 086693092 06.07.2024 873 086703765 04.07.2024 874 086705529 04.07.2024 875 086706024 04.07.2024 876 086709776 03.07.2024 877 086710100 03.07.2024 878 086713217 03.07.2024 879 086716691 02.07.2024 880 086719917 02.07.2024 881 086728855 29.06.2024 882 086732001 28.06.2024 883 086748881 24.06.2024 884 086752295 24.06.2024 885 086756388 21.06.2024 886 086785200 15.06.2024 887 086796698 13.06.2024 888 086797253 13.06.2024 889 086819048 09.06.2024 890 086822679 08.06.2024 891 086827810 07.06.2024 892 086832685 06.06.2024 893 086844764 04.06.2024 894 086847443 04.06.2024 895 086854523 03.06.2024 896 086859298 31.05.2024 897 086884302 24.05.2024 898 086885620 24.05.2024

899 086888027 23.05.2024 900 086893845 22.05.2024 901 086924978 16.05.2024 902 086925620 16.05.2024 903 086929086 15.05.2024 904 086933682 15.05.2024 905 086948236 11.05.2024 906 086961753 08.05.2024 907 086966739 08.05.2024 908 086972126 07.05.2024 909 086972677 07.05.2024 910 086986305 03.05.2024 911 086999530 30.04.2024 912 087001700 30.04.2024 913 087002603 30.04.2024 914 087005180 29.04.2024 915 087013062 26.04.2024 916 087021122 24.04.2024 917 087022404 24.04.2024 918 087022579 24.04.2024 919 087027592 23.04.2024 920 087027667 23.04.2024 921 087040111 19.04.2024 922 087042422 19.04.2024 923 087044591 18.04.2024 924 087048264 18.04.2024 925 087079802 11.04.2024 926 087086688 10.04.2024 927 087088315 10.04.2024 928 087100207 08.04.2024 929 087111526 05.04.2024 930 087122388 03.04.2024 931 087124704 03.04.2024 932 087127355 03.04.2024 933 087155736 26.03.2024 934 087156649 26.03.2024 935 087171884 21.03.2024 936 087219024 12.03.2024 937 087225465 11.03.2024 938 087237287 08.03.2024 939 087243613 07.03.2024 940 087248874 06.03.2024 941 087251188 06.03.2024 942 087261663 05.03.2024 943 087267209 04.03.2024 944 087272805 02.03.2024 945 087276108 01.03.2024 946 087282185 29.02.2024

947 087286408 28.02.2024 948 087287918 28.02.2024 949 087290274 27.02.2024 950 087296826 26.02.2024 951 087319364 20.02.2024 952 087325081 19.02.2024 953 087330589 17.02.2024 954 087347940 14.02.2024 955 087368915 10.02.2024 956 087370127 10.02.2024 957 087375398 09.02.2024 958 087388251 07.02.2024 959 087396354 06.02.2024 960 087414207 01.02.2024 961 087414744 01.02.2024 962 087440904 25.01.2024 963 087456090 22.01.2024 964 087473224 19.01.2024 965 087475517 17.01.2024 966 087477183 17.01.2024 967 087491229 15.01.2024 968 087502638 12.01.2024 969 087521965 09.01.2024 970 087538898 05.01.2024 971 087544022 04.01.2024 972 087550204 03.01.2024 973 087553647 03.01.2024

Nr. de ordine Nr. contractului de credit Data incheierii contractului de credit 1 084176515 06.02.2026 2 84198890 02.02.2026 3 084205944 30.01.2026 4 084461993 03.12.2025 5 084482247 27.11.2025 6 084521516 17.11.2025 7 084584720 04.11.2025 8 084715046 03.10.2025 9 084820926 09.09.2025 10 084827055 08.09.2025 11 084829723 06.09.2025 12 084840014 04.09.2025 13 084840256 04.09.2025 14 084841687 04.09.2025 15 084842590 04.09.2025 16 084848625 03.09.2025 17 084856080 02.09.2025 18 084856111 02.09.2025 19 084868023 29.08.2025 20 084869254 29.08.2025 21 084872030 28.08.2025 22 084875049 27.08.2025 23 084876712 26.08.2025 24 084877222 26.08.2025 25 84886917 23.08.2025 26 084891277 22.08.2025 27 084905854 19.08.2025 28 084906280 19.08.2025 29 084910597 18.08.2025 30 084917994 15.08.2025 31 084927160 14.08.2025 32 084936960 12.08.2025 33 084938442 12.08.2025 34 084943946 11.08.2025 35 084950567 09.08.2025 36 084960732 07.08.2025 37 084961472 07.08.2025 38 084965462 06.08.2025 39 084985173 02.08.2025 40 084991763 31.07.2025 41 084992051 31.07.2025 42 084993661 31.07.2025

43 084993960 31.07.2025 44 085003947 28.07.2025 45 085004116 28.07.2025 46 085004624 28.07.2025 47 085008827 26.07.2025 48 085011732 25.07.2025 49 085011918 25.07.2025 50 085015474 24.07.2025 51 085015932 24.07.2025 52 085016203 24.07.2025 53 085022694 22.07.2025 54 085023744 22.07.2025 55 085033179 19.07.2025 56 085040019 17.07.2025 57 085046140 16.07.2025 58 085047264 16.07.2025 59 085053020 15.07.2025 60 085054356 15.07.2025 61 085058623 14.07.2025 62 085069710 11.07.2025 63 085083587 09.07.2025 64 085084365 08.07.2025 65 085087183 08.07.2025 66 085091424 07.07.2025 67 085102381 04.07.2025 68 085103083 04.07.2025 69 085106108 04.07.2025 70 085116957 02.07.2025 71 085122837 01.07.2025 72 085130773 28.06.2025 73 085145130 24.06.2025 74 085145465 24.06.2025 75 085153522 22.06.2025 76 085162023 19.06.2025 77 085179986 16.06.2025 78 085180535 16.06.2025 79 085200088 11.06.2025 80 085206182 10.06.2025 81 085207058 10.06.2025 82 085209175 10.06.2025 83 085209538 10.06.2025 84 085214248 09.06.2025 85 085214268 09.06.2025 86 085215562 09.06.2025 87 085231465 05.06.2025 88 085231607 05.06.2025 89 085236207 04.06.2025 90 085245390 03.06.2025

91 085250331 02.06.2025 92 085250552 02.06.2025 93 085251070 02.06.2025 94 085258400 30.05.2025 95 085306769 17.05.2025 96 085310721 16.05.2025 97 085339322 12.05.2025 98 085351450 08.05.2025 99 085360314 07.05.2025 100 085369325 06.05.2025 101 085372589 05.05.2025 102 085385470 02.05.2025 103 085385929 02.05.2025 104 085399180 29.04.2025 105 085410861 02.05.2025 106 085447859 15.04.2025 107 085454969 14.04.2025 108 085479410 09.04.2025 109 085489982 07.04.2025 110 085518893 01.04.2025 111 085519743 01.04.2025 112 085521782 01.04.2025 113 085554648 21.03.2025 114 085588711 14.03.2025 115 085594360 13.03.2025 116 085605401 11.03.2025 117 085607949 10.03.2025 118 085628589 06.03.2025 119 085637772 05.03.2025 120 085651568 03.03.2025 121 085659275 28.02.2025 122 085673629 25.02.2025 123 085688017 21.02.2025 124 085694769 19.02.2025 125 085718676 14.02.2025 126 085749379 08.02.2025 127 085755071 07.02.2025 128 085766120 05.02.2025 129 085775678 04.02.2025 130 085788657 31.01.2025 131 085790953 30.01.2025 132 085844599 17.01.2025 133 085845324 17.01.2025 134 085850904 16.01.2025 135 085871365 12.01.2025 136 085874097 11.01.2025 137 085885145 09.01.2025 138 085908262 03.01.2025

139 086039567 05.12.2024 140 086046803 04.12.2024 141 086050694 03.12.2024 142 086054580 02.12.2024 143 086114866 16.11.2024 144 086122905 15.11.2024 145 086134983 12.11.2024 146 086136496 12.11.2024 147 086136578 12.11.2024 148 086172105 05.11.2024 149 086172453 05.11.2024 150 086173894 05.11.2024 151 086179754 04.11.2024 152 086188181 01.11.2024 153 086219482 23.10.2024 154 086288063 08.10.2024 155 086295204 07.10.2024 156 086317202 02.10.2024 157 086446761 03.09.2024 158 086520584 15.08.2024 159 086538041 12.08.2024 160 086541284 10.08.2024 161 086562159 06.08.2024 162 086575370 03.08.2024 163 086653941 15.07.2024 164 086675127 10.07.2024 165 086693092 06.07.2024 166 086709776 03.07.2024 167 086728855 29.06.2024 168 086732001 28.06.2024 169 086854523 03.06.2024 170 086948236 11.05.2024 171 086999530 30.04.2024 172 087005180 29.04.2024 173 087027592 23.04.2024 174 087027667 23.04.2024 175 087079802 11.04.2024 176 087086688 10.04.2024 177 087155736 26.03.2024 178 087248874 06.03.2024 179 087251188 06.03.2024 180 087502638 12.01.2024

Nr. de ordine Nr. contractului de credit Data incheierii contractului de credit 1 084846111 03.09.2025 2 084853848 02.09.2025 3 084883266 25.08.2025 4 084967604 06.08.2025 5 084988776 01.08.2025 6 084992051 31.07.2025 7 085014296 24.07.2025 8 085023370 22.07.2025 9 085058940 14.07.2025 10 085081936 09.07.2025 11 085090632 07.07.2025 12 085109300 03.07.2025 13 085138972 26.06.2025 14 085147264 24.06.2025 15 085157325 20.06.2025 16 085162796 19.06.2025 17 085167019 18.06.2025 18 085209310 10.06.2025 19 085232352 05.06.2025 20 085265787 28.05.2025 21 085266249 28.05.2025 22 085328126 13.05.2025 23 085333534 12.05.2025 24 085386165 02.05.2025 25 085388404 01.05.2025 26 085396955 29.04.2025 27 085397684 29.04.2025 28 085407433 25.04.2025 29 085427309 19.04.2025 30 085432771 18.04.2025 31 085443182 16.04.2025 32 085477332 09.04.2025 33 085489083 07.04.2025 34 085530568 28.03.2025 35 085537615 26.03.2025 36 085554933 21.03.2025 37 085575463 17.03.2025 38 085585417 14.03.2025 39 085592008 13.03.2025 40 085602748 11.03.2025 41 085610923 10.03.2025 42 085618983 08.03.2025 43 085628015 06.03.2025 44 085631058 06.03.2025 45 085661108 28.02.2025

46 085667983 26.02.2025 47 085678079 24.02.2025 48 085697067 19.02.2025 49 085706706 17.02.2025 50 085716856 14.02.2025 51 085723257 13.02.2025 52 085734233 11.02.2025 53 085736050 11.02.2025 54 085737488 11.02.2025 55 085749865 08.02.2025 56 085766564 05.02.2025 57 085771568 04.02.2025 58 085787568 31.01.2025 59 085791202 30.01.2025 60 085807148 25.01.2025 61 085815823 23.01.2025 62 085820040 22.01.2025 63 085848515 16.01.2025 64 085853320 15.01.2025 65 085855769 15.01.2025 66 085860295 14.01.2025 67 085870477 13.01.2025 68 085873639 11.01.2025 69 085880432 10.01.2025 70 085887626 09.01.2025 71 085900136 05.01.2025 72 085908034 03.01.2025 73 085916496 02.01.2025 74 085945755 26.12.2024 75 085947526 24.12.2024 76 085952939 23.12.2024 77 085978002 17.12.2024 78 085997223 13.12.2024 79 085999628 12.12.2024 80 086018379 09.12.2024 81 086026095 07.12.2024 82 086030554 06.12.2024 83 086054294 02.12.2024 84 086056065 03.12.2024 85 086085162 23.11.2024 86 086096721 20.11.2024 87 086103960 19.11.2024 88 086114177 16.11.2024 89 086120071 15.11.2024 90 086130263 13.11.2024 91 086140823 11.11.2024 92 086142263 11.11.2024 93 086149600 09.11.2024

94 086169689 06.11.2024 95 086262731 14.10.2024 96 086294444 07.10.2024 97 086403598 11.09.2024 98 086428538 06.09.2024 99 086438241 04.09.2024 100 086475843 26.08.2024 101 086545796 09.08.2024 102 086549268 09.08.2024 103 086579558 02.08.2024 104 086604802 26.07.2024 105 086634003 19.07.2024 106 086657735 14.07.2024 107 086705529 04.07.2024 108 086752295 24.06.2024 109 086972126 07.05.2024 110 087002603 30.04.2024 111 087282185 29.02.2024 112 087296826 26.02.2024 113 087325081 19.02.2024 114 087456090 22.01.2024