CREDIT REPORT

Credit report - the information provided to users of information from the credit history within the purposes and scope allowed by the Law of the Republic of Azerbaijan "On Credit Bureaus". As a business entity, you are required to be a partner of the Bureau to obtain a credit report to assess the creditworthiness of your borrowers.

In addition, the Bureau allows users to obtain their own credit reports. To do this, you can get your credit report by visiting the "Findoc cabinet" link for more details.

The statement from the Azerbaijan Credit Bureau consists of the following sections:

• personal information of the borrower;

• review of credit information;

• Information on borrower inquiries;

• active liabilities of the borrower;

• the borrower's obligations;

• Liabilities guaranteed by the borrower

Borrower's personal information

The personal information of the borrower includes the name, surname, patronymic, name of the legal entity, TIN, ID card serial number, address, date and place of birth, credit score.

Credit information review

This section provides an overview of all active and fully repaid loans of the borrower by types of credit obligations (loan, line of credit, guarantee), manat-equivalent of the obligations guaranteed by the borrower.

Information on inquiries about the borrower

This section records the number of inquiries about the Person made in the last 12 months, the date and purpose of the response, and the names of the requesting organizations (this section is disclosed only to the individual).

Borrower's active liabilities

The asset liabilities section of the report contains more detailed information on each asset liability of the borrower, including the form, currency, term, date of issue and expiration, purpose and method of payment.

Borrower's obligations

This section provides detailed information on each of the borrower's fully paid liabilities.

Obligations guaranteed by the borrower

This section contains information on all liabilities guaranteed by the borrower. If the number of obligations guaranteed by the borrower is more than 50, the first 50 loans are given in full, and the others are summarized.