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CLIENT INFORMATION BANK REGISTER AND NON-BANK CLIENT INFORMATION REGISTER INFORMATION MEMORANDUM (FOR CREDITOR ENTITIES ) Dear Clients, non-banking creditor entities (in particular leasing companies and companies providing consumer loans including some banks) participating in the project of the Non-Bank Client Information Register in the Czech Republic (hereinafter the “ NBCIR ”) wish in order to reduce risks and increase the quality of offered products to regularly receive data regarding the payment prospects, credibility and payment discipline from the NBCIR as well as from the Client Information Bank Register in the Czech Republic (hereinafter the " CIBR "), which is a joint database of data created on the basis of information mutually provided by banks on contractual relations between banks and their clients. For purpose hereof: (i) “ client ” means a natural person (whether engaged in business or not) or a legal person with whom the user has entered into a client agreement, an assigned debtor and also a member of the statutory body, sole shareholder or other authorized representative of the legal person, which concludes client agreements with user, supposing that these persons have provided a consent and the user is interested in obtaining a credit report; (ii) “ assigned debtor ” means a natural person (whether engaged in business or not) or a legal person for whom a factored debt has been assigned or shall be assigned by the client to the user under a client agreement. Provisions related to the client, according to this document, shall apply mutatis mutandi s to natural persons (whether engaged in business or not) and legal persons, who by personal guarantee secure the clients’ obligations under the client agreement or with whom the user is negotiating on such guarantee. With respect to the facts referred to above, starting from 2006 the mutual information (data) exchange regarding the payment prospects, credibility or payment discipline of clients between banks participating in the CIBR project (hereinafter the " banks ") and non-banking creditor entities (hereinafter the " creditor entities "). An essential presumption for correct operation of the above mentioned mutual information (data) exchange between the banks and creditor entities outlined above shall be existence of consent from clients of banks and creditor entities to such information (data) exchange (more details on the manner and prerequisites for the mutual information (data) exchange are set forth in the chapter Information Processing and Exchange). The aim of this document is to provide you, the clients of the creditor entities, with basic information on the information (data) exchange between the creditor entities and banks as well as on the CIBR and the NBCIR. The NBCIR and CIBR Databases First of all, we would like to inform you that the NBCIR and CIBR databases are two independently existing databases (even though they share certain common features described further in this document). In the course of the information (data) exchange between creditor entities and banks, the NBCIR and CIBR databases remain independent; the mutual data exchange is carried out through operators of both registers (for details on the operators see the NBCIR and CIBR Operators chapters respectively) that continue to provide information (data) to their users (i.e. to the banks as the users of the CIBR and to the creditor entities as the users of the NBCIR); provided that all legal requirements are complied with, the operators provide their users with information (data) from both registers (for details see the Information Processing and Exchange chapter). Basic Purpose of the NBCIR The basic purpose of the NBCIR is the mutual information exchange between creditor entities regarding the payment prospects, credibility and payment discipline of their clients. Basic Purpose of the CIBR The basic purpose of the CIBR is, under the Act No. 21/1992 Coll., on banks, as amended (hereinafter the “ Banking Act ”), the mutual information exchange between banks regarding the payment prospects, credibility and payment discipline of their clients. NBCIR and CIBR – Similar Purposes The fundamental purpose of both NBCIR and CIBR is similar and this similarity of purposes makes the client data exchange between banks and creditor entities easier. CIBR Operator The operator of CIBR is CBCB – Czech Banking Credit Bureau, a.s., Identification No. (I Č O): 261 99 696, having its registered office in Prague 4, Na Vít ě zné pláni 1719/4, Postal code: 140 00, entered in the Commercial Register administered by the Municipal Court in Prague, Section B, Entry 6735 (hereinafter the " CBCB "). NBCIR Users Individual creditor entities that have concluded a NBCIR Data Processing Agreement with CNCB are the users of the NBCIR. As of 1 July 2016, the following companies are the users of the NBCIR: