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AGAINST THE AMOUNT OF CONTENT

CENTRAL RISK OF CONTENTS AMOUNT CALLED JACK C / O SIA SPA Via Taramelli
n.26, 20124 Milano Tel
02/60841 - Fax 02/60843920
Data
positive cash loans or signature guarantees personal and real to third parties worth between € 31,246 and € 74,999. When the credits are less than € 31,246 or more to € 74,000 you are no longer reported, without prejudice to the previous monthly records. Data
negative reports are not in default and loans led to losses (subject of a report from the Central Bank of Italy risks)

The data are processed and disseminated following the same rules governing the Central Bank of Italy with risks one difference on the retention of historical data. Indeed
CRIC keep only last 12 months and eliminates monthly data from the previous period and retained for a period of 10 years only the name of the census registry.
The information provided is to the reporting agents (banks and brokers financial) that the borrowers always about the last 12 monthly observations.
As for the Central Bank of Italy risks, even in the first CRIC all requests for information are stored and integrated in the database related to the subject. This means that the bank or the financial intermediaries performing a title search information on a particular subject is aware of all its previous requests submitted by other institutions.


The credit information system (SIC) MANAGED BY PRIVATE

For The Privacy and data retention time , unlike the aforementioned CR c / o Bank of Italy and CRIC c / o SIA, the Sic following are regulated differently. Through
code of ethics and good conduct for information systems run by private entities in the field of consumer credit, reliability and punctuality of payment published in the OJ 300 of 23 December 2004 were established the following criteria maximum Storage:

► Requests for funding: 6 months if the investigation so requires, 1 month in case of refusal or withdrawal of the same. ►
One / two installments paid with a delay of up to two months: 12 months by regularization. ►
One or more installments paid with a delay of up to two months: 24 months by regularization. ►
Three or more installments paid in arrears (even on the deal): 24 months from the regularization. ►
Negative events not remedied (delinquency, serious errors, bad debts): 36 months from the date of expiry of the contractual relationship
► Reports that have been held successfully (without delay): 36 months from the date of maturity in the presence of other reports with adverse events is not finalized. ►
Reports that took place positively (without delay): 36 months from the date of maturity but in this case, the person may request deletion of your data to the contractual maturity date of the report. It must be said that the maintenance of Sic at their historical positive (grants paid regularly) you can more easily obtain credit as banks and financial intermediaries can verify the correctness of payments in money borrowed previously.

data transmission on an application or a credit report is made by the bank or finance company only and only if the applicant has consented to the treatment of data under the SIC or even in the absence of consent, if the financing has some irregularities in reimbursements.

BDCR C / O ASSILEA - ITALIAN ASSOCIATION OF LEASING
Piazzale Tarantelli n.100, 00144 Rome - Italy Phone
06/9970361 - fax 06/45440739
Data
positive resolutions, contracts not in effect, contracts in effect, contracts terminated. Negative data
: unpaid fees, contracts or theft claims, contracts, litigation, contracts have expired and unredeemed.

E 'at the database that stores leases.

EURISC C / O CRIF SPA
Via Montebello 2 / 2, 40121 Bologna
Tel 051 6458900 Fax 051 6458940

Positive data: installment loans (loans, mortgages, leasing, assignment of five), not in installments (trust account funds in advance or on bills finance import / export), credit cards (cards and final installment, revolving credit facilities) Data
negative grounding in payment, switching to suffering, change to a loss, sale of the company's debt, return to performing. It does not contain information about bills or checks protest or information from the Courts and Offices of Real Estate Advertising (ex Registers).


SIC C / O CTC (CONSORTIUM FOR THE PROTECTION CREDIT
Viale Tunisia, 50, 20124 Milano tel
. 02 66710229 - 02 66710235 - fax 02 67479250

contains only data type of "negative" related to loans (consumer loans and personal loans) for which there are, or were, delays in payments.
In this case, when dealing with a delay of at least 120 days. than the due date for payment of a single payment or non-payment of at least four monthly installments are not regularized.
not collect information on: protests, openings or requests for funding does not follow from the granting of the loan, waste of funding, phone bills, light, etc..

SIC C / O EXPERIAN Experian
Palace
Quintavalle Via Umberto n.68 Cinecittà 2, 00173 Roma Tel
06724221 - Fax 0672422480

Positive data: installment loans (loans, mortgages, leasing, assignment of five), not in installments (Trust account , loans in advance on bills or finance import / export), credit cards (cards and final installment, revolving credit facilities) Data
negative grounding in payment, switching to suffering, change to loss, the sale to debt collection companies, return to performing. It does not contain information about bills or checks protest or information from the Courts and Offices of Real Estate Advertising (ex Registers).