Resolution of the Board

of the National Bank

of the Kyrgyz Republic

dated 24 August 2016 No. 35\5

On approval of the Regulation

"On licensing of credit bureau activities"

In accordance with Articles 7 and 43 of the Law "On the National Bank of the Kyrgyz Republic" and Article 12 of the Law of the Kyrgyz Republic "On Credit Information Exchange", the Board of the National Bank of the Kyrgyz Republic resolves:

• 1. To approve the Regulation "On licensing of credit bureau activities" (attached).

• 2. To introduce into the Resolution of the Board of the National Bank of the Kyrgyz Republic "On the amount of fees for licenses issued by the National Bank of the Kyrgyz Republic" dated 14 November 2007 No. 48/7 the following addition:

  • to supplement paragraph 1 with paragraph eleven of the following content:

    • "for the provision of services for the exchange of credit information – ten times the amount of the calculation indicator.".

• 3. To the Legal Department:

  • to publish this resolution on the official website of the National Bank of the Kyrgyz Republic;

  • after official publication, to send this resolution to the Ministry of Justice of the Kyrgyz Republic for inclusion in the State Register of Normative Legal Acts of the Kyrgyz Republic.

• 4. This resolution enters into force upon the expiration of fifteen days from the day of official publication.

• 5. To the Supervision Methodology and Licensing Department to bring this resolution to the attention of the relevant structural subdivisions of the National Bank of the Kyrgyz Republic and existing credit bureaus of the Kyrgyz Republic.

• 6. Existing credit bureaus of the Kyrgyz Republic shall, within six months from the moment this resolution enters into force, obtain a license in the established procedure.

• 7. To assign control over the execution of this resolution to the member of the Board of the National Bank Dzhusupov T.Dzh.

Acting Chairman N. Zhenish

Annex
to the Resolution of the Board of the National Bank of the Kyrgyz Republic dated 24 August 2016 No. 35\5

REGULATION

"On licensing of credit bureau activities"

• Chapter 1. General provisions

• Chapter 2. Requirements for the premises of a credit bureau

• Chapter 3. Procedure for issuing a license to carry out credit bureau activities

• Chapter 4. Grounds for refusal to issue a license to carry out credit bureau activities

• Chapter 5. Re-issuance of a license to carry out credit bureau activities

• Chapter 6. Suspension of a license to carry out credit bureau activities

• Chapter 7. Revocation and termination of a license to carry out credit bureau activities

• Chapter 8. Introduction of amendments and/or additions to the constituent documents and state re-registration of a credit bureau

• Chapter 9. Reorganization of a credit bureau

• Chapter 10. Liquidation of a credit bureau

CHAPTER 1.

General provisions

• 1. This Regulation has been developed in accordance with the laws of the Kyrgyz Republic "On the National Bank of the Kyrgyz Republic", "On Credit Information Exchange", "On the Licensing and Permitting System in the Kyrgyz Republic", "On Banking Secrecy", "On State Registration of Legal Entities, Branches (Representative Offices)" and other normative legal acts of the Kyrgyz Republic and determines the procedure for licensing credit bureau activities.

• 2. A credit bureau is a legal entity registered in the manner established by legislation as a commercial organization and providing services for the exchange of credit information.

• 3. The activity of a credit bureau is carried out on the basis of a license issued by the National Bank of the Kyrgyz Republic (hereinafter – the National Bank).

• 4. The name of a credit bureau must contain the phrase "credit bureau". A legal entity that does not meet the requirements of the Law "On Credit Information Exchange" is not entitled to use the phrase "credit bureau" in its name.

• 5. A credit bureau has the right to have stamps, forms with its firm name and its own emblem (logo).

• 6. The participation of one user in the charter capital of a credit bureau cannot exceed 10 percent. In this case, a group of interrelated persons must be considered as one user and the shares/stocks of these persons must be summed up and considered as the shares/stocks of one user.

• 7. Interrelated persons are understood as legal entities and/or individuals jointly owning shares/stocks of a credit bureau and/or having common interests among themselves.

Common interests between two and/or more individuals and legal entities are recognized as existing if any of the following conditions is present:

• a) one legal entity or individual controls another person;

• b) these persons are affiliated legal entities or insiders;

• c) one of these persons is a dependent company of another person.

Persons jointly owning shares/stocks of a credit bureau are recognized as persons:

• a) who are close relatives;

• b) jointly owning shares/stocks by virtue of a concluded agreement or otherwise;

• c) who are significant participants individually or jointly;

• d) if one of them has provided a loan (credit or equivalent funds) to another person for the purchase of shares/stocks;

• e) if one of them is an official or representative of another person.

The concepts used in this paragraph correspond to the concepts used in the Law "On Banks and Banking Activities in the Kyrgyz Republic".

• 8. Before obtaining a license, it is prohibited to engage in any activity as a credit bureau, except for organizational activity related to the establishment of a credit bureau and other activity not prohibited by the legislation of the Kyrgyz Republic.

• 9. In case of a change of location, the credit bureau is obliged to inform the National Bank about this within one day from the moment of the change.

CHAPTER 2.

Requirements for premises of a credit bureau

• 10. The premises of a credit bureau and its branches must comply with the established requirements, including the following.

  • 1) availability of premises for servicing visitors of the credit bureau.

  • 2) all premises of the credit bureau must be equipped with technical security means in order to ensure the safekeeping and security of credit histories.

  • 3) availability of a connection between the credit bureau and its branch via a computer network.

  • 4) availability of fire alarm means and technical means of security for the premises of the credit bureau and its branches, connected to the central monitoring console of the Main Directorate of the State Specialized Security Service of the Ministry of Internal Affairs of the Kyrgyz Republic or a security structure selected by the credit bureau on the basis of a concluded security contract.

  • 5) additional requirements for the premises of the credit bureau and its branches may be established by the legislation of the Kyrgyz Republic.

CHAPTER 3.

Procedure for issuing a license to carry out credit bureau activities

• 11. To obtain a license to carry out credit bureau activities, the credit bureau must submit to the National Bank the following documents in the state or official language:

  • 1) an application for issuance of a license indicating the location (postal address) (Appendix 1);

  • 2) the minutes of the general meeting of the founders of the credit bureau (in two copies), containing decisions:

    • on the creation of the credit bureau;

    • on the election/appointment of the head and members of the supervisory and executive management bodies;

    • on the organizational structure of the credit bureau (management bodies, structural subdivisions (departments, divisions), their functional duties, the range of issues considered, subordination);

    • on determining the location of the credit bureau (postal address);

    • on determining the size of the charter capital, the methods and amounts of payment by the founders of contributions to the charter capital.

  • 3) the decision (in the case of a single founder), the founding agreement (in the case of more than one founder) on the creation of the credit bureau (in two copies);

  • 4) the charter of the credit bureau (in two copies);

  • 5) information on the founders of the credit bureau (Appendix 3);

  • 6) the questionnaire of the head of the credit bureau (Appendix 4) and information confirming his compliance with the minimum qualification requirements established by this Regulation, as well as a list of officials of the credit bureau.

For the purposes of this regulation, officials of a credit bureau are understood to mean the chairman and members of the Board of Directors, the chairman and members of the Management Board, the internal auditor, and the chief accountant of the credit bureau.

• 7) documents confirming that the parameters and placement of the software and hardware complex ensuring the protection of credit information from unauthorized access, destruction, modification, use or disclosure comply with the requirements established by the regulatory legal acts of the National Bank;

• 8) a document from a commercial bank confirming the formation of the charter capital of the credit bureau.

• 12. The National Bank shall consider the documents submitted for obtaining a license to carry out credit bureau activities within 30 (thirty) calendar days from the day the National Bank receives the complete package of documents, including additionally requested documents. The specified period does not include the time for the procedure of state registration (re-registration) by the credit bureau with the authorized state body carrying out registration of legal entities. If the issue of issuing a license to the credit bureau is decided positively, the National Bank shall issue written consent for the state registration (re-registration) of the credit bureau in accordance with the requirements of the legislation of the Kyrgyz Republic, with one copy of the submitted founding documents specified in subparagraphs 2-4 of paragraph 11 of this Regulation attached.

• 13. Within 20 (twenty) calendar days after completing the procedure of state registration (re-registration), the credit bureau, in order to obtain a license, is obliged to submit to the National Bank a corresponding petition for issuance of a license with the following documents attached:

  • 1) notarized copies of the founding documents of the credit bureau with a mark of state registration (re-registration);

  • 2) a copy of the certificate of state registration (re-registration) of the credit bureau, certified by its seal;

  • 3) the register of participants (shareholders).

• 14. A license to carry out credit bureau activities, in accordance with the legislation of the Kyrgyz Republic, shall be issued by the National Bank (Appendix 2) to the credit bureau within 5 (five) calendar days from the day the documents specified in paragraph 13 of this Regulation are received.

• 15. The decision to issue consent and a license to the credit bureau shall be made by the Deputy Chairman/member of the Management Board of the National Bank supervising issues of supervision and licensing.

• 16. A license to carry out credit bureau activities shall be issued to the head of the credit bureau on the basis of an identity document, or to an authorized person on the basis of a power of attorney of the credit bureau executed in accordance with the legislation of the Kyrgyz Republic, provided that the applicant submits a document (including a payment document) confirming payment of the license fee (charge) in the amount and in the manner established by the legislation of the Kyrgyz Republic.

• 17. A license to carry out credit bureau activities is non-transferable (personal). The rights arising from the license shall not be subject to transfer to third parties. Such transfer leads to withdrawal of the license with prohibition of the credit bureau's activities.

• 18. The term of validity of a license to carry out credit bureau activities is unlimited. Copies of the license are invalid.

• 19. The National Bank shall maintain a register of credit bureaus and post it on the official website of the National Bank.

• 20. The head of the credit bureau must meet the following minimum qualification requirements:

  • possession of a higher education;

  • work experience of at least three years in the banking, financial system and/or in the field of microfinance, including in managerial positions – at least one year;

  • absence of a court decision prohibiting engagement in activity in the sphere of economics, finance and banking activity;

  • absence in respect of the candidate of a conviction for the commission of crimes in the sphere of economics, finance and banking activity, as well as for official crimes.

This requirement does not apply to persons whose criminal record has been removed or expunged in the established procedure.

• 21. The credit bureau must, no later than the next working day from the moment of election/appointment/dismissal of the officials of the credit bureau, submit to the National Bank a notification of changes in the composition of officials.

Within 10 (ten) working days, and in the case of the election/appointment of a non-resident – within 30 (thirty) calendar days from the moment of election/appointment of the candidate, the credit bureau must submit to the National Bank a letter/petition for approval of the candidacy of the head of the credit bureau with the attachment of the following documents:

• 1) a certified copy of the minutes of the meeting (employment contract) of the authorized management body that adopted the decision on the election/appointment of the candidate or on release from duties;

• 2) a certified copy of the order (resolution, instruction) on the appointment of the candidate as acting head of the credit bureau. Subsequently, upon approval of the candidate with the National Bank, the credit bureau shall submit a copy of the order on his appointment within 3 (three) working days from the day of adoption of the decision;

• 3) the questionnaire of the head of the credit bureau (Appendix 4);

• 22. In the event that the submitted information is insufficient for making a decision, the National Bank may request from the credit bureau, the candidate or third parties additional information (documents).

• 23. The decision of the National Bank on approval or refusal of approval of the candidacy of the head of the credit bureau is made within 30 (thirty) calendar days.

In the event of non-compliance of the candidacy of the head of the credit bureau with the established requirements, the National Bank shall refuse approval of said candidacy and request that an alternative candidacy be provided within 10 (ten) working days.

• 24. The credit bureau is obliged to report changes in the composition of officials of the credit bureau with the submission of decisions of the authorized bodies of the credit bureau and questionnaires of candidates in accordance with Appendix 4 to this Regulation.

CHAPTER 4.

Grounds for refusal to issue

a license for carrying out the activity of a credit bureau

• 25. The National Bank may refuse to issue a license for carrying out the activity of a credit bureau in the following cases:

  • 1) in the event of failure to submit one/several documents specified in paragraphs 11 and/or 13 of this Regulation;

  • 2) in the event of non-compliance of the constituent and other submitted documents with the legislation of the Kyrgyz Republic;

  • 3) in the event of the presence in the documents submitted for obtaining a license of unreliable or distorted information;

  • 4) in the absence of a software and hardware complex ensuring the protection of credit information from unauthorized access, destruction, modification, use, disclosure, or in the event of non-compliance of the software and hardware complex with the established requirements of the National Bank;

  • 5) in the event of non-compliance of the head of the credit bureau with the minimum qualification requirements established in paragraph 20 of this Regulation.

• 26. The decision to refuse to issue a license is sent to the applicant in written form with an indication of the reasons for refusal and the period within which the applicant, having eliminated the indicated reasons, may submit an application for reconsideration. At the same time, the period indicated in the decision to refuse to issue a license must be proportionate to the time necessary for eliminating the deficiencies.

• 27. Reconsideration of the documents submitted for obtaining a license is carried out within a period not exceeding 10 (ten) calendar days from the day of receipt of the application with all necessary documents. An application submitted after the expiry of the period indicated in the decision to refuse to issue a license is considered newly submitted.

• 28. The decision to refuse to issue a license may be appealed to a court.

CHAPTER 5.

Re-issuance of a license for carrying out the activity of a credit bureau

• 29. In the event of a change in the information in the license (name, location) within 5 (five) calendar days from the day of adoption by the relevant body of the credit bureau of the decision, the credit bureau is obliged to submit the following documents to the National Bank for re-issuance of the license:

  • an application for re-issuance of the license for carrying out the activity of a credit bureau;

  • the decision of the authorized body of the credit bureau on re-issuance of the license;

  • confirmation (notification) of the authorized state body carrying out registration of legal entities (in the event of a change of location);

  • a copy of the lease agreement or title document for the new premises and documents in accordance with subparagraph 7 of paragraph 11 of this Regulation (in the event of a change of location)

  • the license for carrying out the activity of a credit bureau.

30. The National Bank, within 5 (five) working days from the day of receipt of all necessary documents, shall carry out the re-issuance of the license and make the corresponding entries in the register of credit bureaus.

Upon re-issuance of the license, a fee is charged in the amount established by the legislation of the Kyrgyz Republic.

31. In the event of loss/damage of the license, the credit bureau has the right to obtain a duplicate of the license on the basis of a written application sent to the National Bank. In the event of damage to the license, the damaged license form is also attached to the application.

Lost/damaged license forms are considered invalid from the day the credit bureau submits the application.

Issuance of a duplicate license is carried out within 3 (three) working days from the day of submission of the application.

32. A fee is charged for the issuance of a duplicate in the amount established by the legislation of the Kyrgyz Republic.

CHAPTER 6.

Suspension of the license

33. The National Bank has the right to suspend the license of a credit bureau in the following cases:

• 1) for systematic (two or more times during a calendar year) non-compliance by the credit bureau with the requirements of the relevant regulatory legal acts, as well as with the instructions of the National Bank to eliminate violations identified in their activities;

• 2) for systematic (two or more times during a calendar year) submission of unreliable data or failure to submit, within the established period, reports and information relating to the activities of credit bureaus;

• 3) for obstructing inspections of the credit bureau's activities and/or evading the submission of information and documents that were requested within the framework of the inspection;

• 4) for the non-compliance of the software and hardware complex ensuring the protection of credit information from unauthorized access, destruction, modification, use, disclosure with the requirements of the National Bank;

• 5) for failure to ensure the storage and protection of credit information from unauthorized access, destruction, modification, use or disclosure of credit information;

• 6) for the non-compliance of the head of the credit bureau with the established qualification requirements.

34. The period of suspension of the license is established by the Supervisory Committee of the National Bank. At the same time, the time necessary to eliminate the identified violation is taken into account.

35. The decision of the National Bank to suspend the license is appealed by the credit bureau in accordance with the Regulation "On Pre-trial Settlement of Disputes between the National Bank of the Kyrgyz Republic and Commercial Banks, Organizations Carrying Out Certain Types of Banking Operations, and Their Founders (Participants), Legal Entities and Individuals", approved by the resolution of the Board of the National Bank of 18 March 2005 No. 5/5.

Compliance with the pre-trial procedure is mandatory.

CHAPTER 7.

Revocation and termination of the license to carry out the activities of a credit bureau

36. The National Bank revokes the license to carry out the activities of a credit bureau in the following cases:

• 1) declaration of the credit bureau as insolvent in accordance with the requirements of the legislation of the Kyrgyz Republic;

• 2) commencement of forced liquidation of the credit bureau in accordance with the requirements of the legislation of the Kyrgyz Republic;

• 3) gross and systematic (more than 3 times per year) violation of the requirements of the legislation of the Kyrgyz Republic, including regulatory legal acts of the National Bank;

• 4) carrying out activities prohibited by the legislation of the Kyrgyz Republic.

37. The decision to revoke the license of a credit bureau is taken by the Supervisory Committee of the National Bank. The credit bureau in respect of which a decision to revoke the license has been taken is obliged:

• 1) from the day of receipt of the notification of license revocation, to immediately cease carrying out its activities;

• 2) to surrender the license to the National Bank within 3 (three) working days from the day of receipt of the notification of license revocation and, within the established periods, to transfer the credit information database to the National Bank.

38. The decision of the National Bank to revoke the license may be appealed by the credit bureau in accordance with the legislation of the Kyrgyz Republic.

39. Upon suspension or termination of the license of a credit bureau, the National Bank makes a corresponding entry in the register of credit bureaus.

40. The license terminates in the following cases:

• 1) liquidation of the credit bureau;

• 2) submission of an application by the credit bureau in the case of voluntary termination by it of the activities provided for by the license;

• 3) revocation of the license from the credit bureau;

• 4) other cases provided for by the legislation of the Kyrgyz Republic.

CHAPTER 8.

Introduction of amendments and/or additions to the constituent documents and state re-registration of a credit bureau

41. Amendments and additions to the constituent documents of a credit bureau are subject to agreement with the National Bank. For agreement with the National Bank of the introduced amendments and/or additions to the charter, the credit bureau submits to the National Bank an application on the introduction of amendments and/or additions to the charter with the attachment of the following documents:

• 1) minutes of the general meeting of participants/shareholders of the credit bureau on the introduction of amendments and additions to the charter of the credit bureau;

• 2) the charter of the credit bureau in a new edition;

• 3) information on the participants/shareholders and their shares in the authorized capital (in the case of a change in the composition of participants/shareholders and the size of the authorized capital of the credit bureau);

• 4) a document from the authorized state body carrying out the registration of legal entities and the authorized state body in the field of intellectual property on the absence of designations identical or confusingly similar to the proposed name of the credit bureau (in the case of a change in the name of the credit bureau).

42. The credit bureau, after undergoing the procedure of state re-registration in the justice bodies, within 20 (twenty) calendar days provides a notification with the attachment of the following documents:

• 1) a copy of the certificate of state re-registration of the credit bureau, certified by the seal of the credit bureau;

• 2) a copy of the charter with a mark on state re-registration, certified by the seal of the credit bureau.

43. The credit bureau notifies the National Bank of other changes in the documents on the basis of which the license to carry out the activities of a credit bureau was issued, within a period not later than 10 (ten) working days.

44. The credit bureau is obliged to notify the National Bank of the opening/change of location of branches and representative offices located outside the location of the credit bureau, with the attachment of supporting documents.

CHAPTER 9.

Reorganization of a credit bureau

45. Reorganization of a credit bureau is carried out in the procedure provided for by legislation, taking into account the requirements of this Regulation.

46. Not later than 1 (one) business day after adopting a decision on reorganization, the credit bureau shall notify the National Bank in writing and shall publish a corresponding announcement in the mass media once a week for two months.

47. In the event of reorganization of a credit bureau, the credit information database shall be transferred to its successor, if the latter holds a license from the National Bank. In this case, the successor of the credit bureau shall, within 5 (five) business days from the day of receiving the credit information database, notify the credit information providers and the National Bank in writing. At the same time, the announcements published in the mass media shall indicate information on the transfer of the credit bureau's credit information database to its successor.

48. If the successor of the credit bureau does not hold a license, as well as in cases of liquidation of the credit bureau or termination of the license, the credit information database shall be transferred to the National Bank free of charge within 3 (three) business days.

CHAPTER 10.

Liquidation of a credit bureau

49. In the event of revocation of the license, the activity of the credit bureau shall be subject to termination.

50. A credit bureau may be voluntarily liquidated in accordance with the legislation of the Kyrgyz Republic. At the same time, the credit bureau must surrender the original license and the credit information database to the National Bank within 3 (three) calendar days from the moment of adopting the decision on liquidation and cease carrying out activities on the exchange of credit information.

51. Liquidation of a credit bureau shall be carried out in the manner provided for by the legislation, taking into account the requirements of this Regulation.

52. Not later than 1 (one) business day after adopting a decision on liquidation, the credit bureau shall notify the National Bank in writing and shall publish a corresponding announcement in the mass media once a week for two months.

---

Appendix 1

to the Regulation "On Licensing

the Activities of Credit Bureaus"

of 24.08.2016 No. 35/5

APPLICATION

for the issuance of a credit bureau license

We request the issuance of a license to carry out the activities of a credit bureau in the territory of the Kyrgyz Republic in accordance with the Law of the Kyrgyz Republic "On the Exchange of Credit Information"

____________________________________________________________________. name of the credit bureau

____________________________________________________________________. legal address of the credit bureau

____________________________________________________________________.
Full name of the head/Chairman of the Management Board of the credit bureau

In accordance with the legislation of the Kyrgyz Republic and the regulatory legal acts of the National Bank of the Kyrgyz Republic, we attach the documents necessary for obtaining a credit bureau license (list and documents _____ pages).

It is confirmed that the submitted information is accurate and complete, and we are aware that the submission of an inaccurate/distorted document or information entails refusal to issue a license.

The founders bear full responsibility for the accuracy of the submitted information.

Information about the founders (full name/name of legal entity, address, telephone)

Head/Chairman of the Management Board, signature, date

Appendix 2

to the Regulation "On Licensing

the Activities of Credit Bureaus"

of 24.08.2016 No. 35/5

NATIONAL BANK OF THE KYRGYZ REPUBLIC

LICENSE

for carrying out the activities of a credit bureau

No. ____ of xx.xx.xxxx

The National Bank of the Kyrgyz Republic grants the right

_____________________________________________________________________________ full name of the credit bureau

_____________________________________________________________________________ abbreviated name of the credit bureau

_____________________________________________________________________________ legal address of the credit bureau

to carry out the activities of a credit bureau in accordance with the Law of the Kyrgyz Republic "On the Exchange of Credit Information" and the regulatory legal acts of the National Bank of the Kyrgyz Republic

The license is non-transferable and perpetual.

The rights arising from this license shall not be subject to transfer to third parties.

Deputy Chairman/Member of the Management Board, supervising issues of supervision and licensing _______________________

Appendix 3

to the Regulation "On Licensing

the Activities of Credit Bureaus"

of 24.08.2016 No. 35/5

INFORMATION

about the participants/shareholders of the credit bureau

No.

Full name /name of participant/

shareholder

Ownership share

Place of work/

Field of activity

TIN

Passport data/

Registration data

Manager (legal entity)

Founders (legal entity)

Appendix 4

to the Regulation "On Licensing

the Activities of Credit Bureaus"

of 24.08.2016 No. 35/5

Place for photo

QUESTIONNAIRE of an official of a credit bureau

1. Full name ______________________________________________________________

2. Indicate the proposed position in the credit bureau_________________________________________________________________________ (position, name of credit bureau)

3. If you changed your surname, indicate when and for what reason __________________ _____________________________________________________________________________

4. Date of birth _________ place of birth _______________________________ _____________________________________________________________________________

5. Passport series ___________________ number _______________________ issued by ________________________________ date of issue _______________________

6. Citizenship ___________________________________________________ Indicate how it was obtained: by place of birth, after marriage, under other circumstances - provide explanation _______________________________________ _____________________________________________________________________________

7. Home address (according to documents) ________________________________________ tel. (home) ____________________________(mobile) _______________________

Actual place of residence ___________________________________________ _____________________________________________________________________________

8. Information on knowledge in the field of:

• legislation regulating the activities of credit bureaus______________

• credit activity _________________________________________________

• accounting and financial reporting ______________________

9. Main place of work and position held ___________________________ _____________________________________________________________________________

10. Office address, telephone, fax, _______________________________________ _____________________________________________________________________________

11. Education ________________________________________________________ ____________________________________________________________________________

(higher, incomplete higher, bachelor, master, secondary specialized, secondary)

Name of educational institution and its location

Faculty or department

Year of admission and graduation

Specialty according to the diploma received

Training at courses conducted by various training centers

Topic of seminar or course

Organizer of seminar

Place of completion

Date of completion

Availability of certificate

12. Work performed since the beginning of employment

Date of employment

Date of dismissal

Position held

Name of institution, location, full name of employer

Reason for leaving

13. Indicate companies in any country in which you were and/or are a founder, shareholder, manager (including a credit bureau to whose management you were elected or appointed) during the last 10 years:

Name of company, location

Main activities of the company

Number of shares/units held

Amount of ownership in soms

Share in the company's charter capital, in %

Manager of the company

14. Indicate whether, in relation to you or in relation to a company with which you were associated as a significant participant, controlling person and/or member of the Board of Directors or other official, there have ever been, in any country:

• charges brought for offenses and/or crimes (yes/no)________

• disciplinary sanctions applied (yes/no) _____________________________

If yes, provide a detailed description of the charge, conviction by a law enforcement body/court, indicating the name of the law enforcement body/court, the charge or disciplinary sanction applied by any state body, the results of the proceedings, the court decision:______________________________________________________________________________________________________________________________________________________.

15. Do you or any of the companies specified in paragraph 14 have common interests with a credit bureau in which you are applying for a position? If yes, provide detailed explanations _______________________________________________________ _____________________________________________________________________________

16. Indicate whether there is an outstanding criminal record. If yes, provide an explanation ____________________________________________________________________________

Indicate whether a decision has been made to prohibit you from engaging in any professional activity. If yes, provide an explanation __________________ __________________________________________________________________________________________________________________________________________________________

17. Indicate each company that has been compulsorily declared bankrupt or is in the process of compulsory liquidation, with which you were associated as a manager, official (member of the Board of Directors, member of the Management Board, chief accountant/financial manager) or significant participant (ownership of 10 or more percent of shares) _______________________________________________________ _____________________________________________________________________________

Provide a detailed justification of your role and scope of responsibility as a manager, official or significant participant of the company with which you were associated and which was placed under conditions related to compulsory bankruptcy or liquidation __________________________________________________________________________________________________________________________________________________________

18. If you have loan debt (other obligations) to anyone, provide the following information for each debt (obligation):

Name of creditor

Date of issue

Loan amount,

in thousand soms

Interest rate

Purpose of loan

Description and amount of collateral

Payment terms

Outstanding loan balance, in thousand soms

Outstanding interest balance, in thousand soms

Overdue debt (principal amount, interest)

19. Have there been cases when you were unable to repay a debt to any financial-credit institution under a personal loan, as well as under a loan for which you acted as guarantor or surety. If yes, provide explanations _____________________________________________________________________________ _____________________________________________________________________________

20. Are you currently involved in any legal proceedings. If yes, provide an explanation __________________________________________________ _____________________________________________________________________________

21. Provide the following information:

1. Personal report on assets and liabilities as of "___" ___________

Table 1

Assets

Amount (in soms)

1.

Cash

2.

Deposit funds in financial-credit institutions

3.

Investments in companies

4.

Securities

5.

Real estate, including that which is pledged or under arrest

6.

Accounts receivable, including funds provided as a loan

7.

Other assets

Total assets

Liabilities

1.

Loan debt

2.

Accounts payable

3.

Other liabilities

Total liabilities

Net worth (assets-liabilities)

Personal guarantees issued

Table 2.

Sources of income

Previous year

20__ year

Current year (expected amount)

20__ year

1.

Salary at primary place of employment (including bonuses)

2.

Dividends

3.

Interest

4.

Other income

Total

Expenses

1

Expenses (personal, consumption)

2.

Loan payments principal amount interest

3.

Other expenses (specify)

Total expenses

Net income (expense)

22. Marital status _________________________________________________

List close relatives over 16 years of age (parents, children, spouse, brothers, sisters):

Full name

Relationship

Date and place of birth

Place of employment, position

Home address, telephone

23. Provide complete information about any interests that connect you to the credit bureau, for the position you are applying for. Also indicate any other information that you consider important for review during approval for the position _________________________________________________________________ _____________________________________________________________________________

I, ____________________________________________________________________, (last name, first name, patronymic)

confirm that the information provided above in the questionnaire is accurate and complete and is provided in accordance with my knowledge and information on the issues specified in the questionnaire. I acknowledge that in the event of intentional distortions and omissions on my part, this may serve as grounds for refusal of approval for the recommended position and entail liability in accordance with legislation.

____________________ "____" ____________ _____ y.
Signature date