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1. The modification of the maturity date and/or the payment amount of one or many credit rates without exceeding the initial duration of the credit
Application conditions:
- private individuals with outstanding principal/interests amounts for the ongoing credits with CEC Bank;
- the financial situation no longer allows it to pay the obligations assumed by the credit contract, as initially set out;
- there have been identified sure reimbursement possibilities to other terms and in other amounts.

Advantages:
- a period of grace up to 12 months may be granted during which the customer may pay only the interests and related commission;
- the outstanding amounts that are recorded may be included in the credit balance;
- at the written request of the customer, early reimbursement may be performed, totally or partially, anytime during the grace period.

2. The modification of the maturity date and/or the payment amount of one or many credit rates with the exceeding of the initial duration of the credit and/or framing the credit in another category, as the case may be (medium term, long term), but without exceeding the maximum credit period for that product

Application conditions:
- private individuals with outstanding principal/interests amounts for the ongoing credits with CEC Bank;
- the current financial situation does not allow classification in the maximum indebdt degree related to the contracted product, provided by the internal regulations regarding the credits granted to natural persons;
- do not exceed, at the end of the credit duration the maximum age provided by the regulations regarding the credits for natural persons;
-the maximum credit duration corresponding to the product for which the restructuring is requested can not be exceeded.
- there have been identified sure reimbursement possibilities to other terms and in other amounts.

Advantages:
- as a result of the application of this method, the classification of the credit may be modified from the standpoint of the credit duration (i.e.: short term credits may be transformed in medium term credits, long term credits);
- a period of grace up to 12 months may be granted during which the customer may pay only the interests;
- the outstanding amounts that are recorded may be included in the credit balance.
- at the written request of the customer, early reimbursement may be performed, totally or partially, anytime during the grace period.

3. Granting a new credit for reimbursement of the credit/credits in progress and with outstanding amounts to the maturity date for at least one credit

Application conditions:
-  private individuals with outstanding principal/interests amounts for the ongoing credits with CEC Bank;
- there have been identified sure reimbursement possibilities to other terms and in other amounts;
 it is requested the consolidation of at least two or more credits in progress with the Bank (i.e. two credits for personal needs, car loan and personal need credit, credit for building a home and credit for personal need, etc);
- are classified in the maximum indebdt degree provided by the internal regulations regarding the credits granted to natural persons;
- do not exceed, at the end of the credit duration the maximum age provided by the regulations regarding the credits for natural persons, in force at the date of approval of the restructuring.

Advantages:
- in case of restructuring two or many credits, with different credit periods, the product with the longer credit period may be chosen;
- a grace period may be granted, according to the chosen product;
- the outstanding amounts may be included in the credit balance.