Credit Register

• Bank borrowers, guarantors of the borrowers (i.e. natural and legal persons), their obligations and the progress of the fulfillment of these obligations.  Borrower’s obligations arise under the loan agreement, leasing agreement, including financial leasing agreement, lease purchase agreement, agreement of lease repurchase, purchase warrants agreements, factoring agreement, bank account overdraft agreement or any other agreement that includes credit transactions, as well as trust credit agreement, where the participant issues the loan to the borrower on his own behalf, but for the benefit of another person. In turn, borrower’s guarantor obligations arise under either guarantor’s agreement or under the agreement of warranty issue, in which the borrower’s guarantor undertakes the obligations of the borrower. 
   
• Debtors, including the information about the delayed payments, that are fixed in either the agreement between borrowers and guarantors (if the payment is made later than after 60 (sixty) days and if the total amount of the late payments, including the interest on the late payment and penalty fee for at least 100 (one hundred) lats or the same amount in the foreign currency) and the information of the fulfillment of the agreement.