In the case of an overdue debt under a loan which the Bank has issued, or under the loan for which the Bank has acquired the right of claim, we may take various steps aimed at settling such a debt. These include the following: communication with the debtor, their representative, officials, ultimate beneficial owner, guarantor, mortgagor, and other persons concerned, whose contact details were provided by the debtor, in the manner prescribed by the current legislation; checking the debtor’s actual place of residence or the location of the customer (a legal entity), for the purpose of which, we may communicate with relatives, neighbors of the debtor or guarantor, with other persons who are in cohabitation/co-location with the debtor; inspection of the available pledged property and its conditions, which may involve personal data processing; obtaining and analysis of the information related to the debtor, taken from the public sources and from those, indicated by the debtor; passing the debt to the debt collection companies in the manner prescribed by the current legislation; assigning the debt to another contractual party in the form and manner prescribed by the current legislation, including partially; settling the debt in a contractual manner, inter alia, by means of foreclosure of the pledged property, as a result, personal data may be transferred to notaries, representatives of governmental bodies, and other parties; carrying out the debt restructuring, as well, pursuant to the procedure stipulated by the current legislation; addressing legal, audit, or other consulting firms (including foreign firms) in the respect of an overdue debt settlement or concerning other issues related to the interaction with the customer; addressing the law enforcement agencies and transferring the information related to the customer thereto in the case of criminal or administrative offenses, and addressing other governmental or non-governmental bodies which are authorized to settle certain types of relations concerning the issues when the customer violates the rules established within these relations. Ground for processing: Legitimate Interests.