In our constant pursuit of achieving the best possible collection outcomes for you, we may, in some cases, reach a point where we believe that strict adherence to certain standard procedures may not be in the best interest of the bank, especially when dealing with complex or exceptional debt cases. In these circumstances, we may ask you to consider granting us some limited exceptions.

To illustrate how this approach can benefit the bank…

* Maximizing recovery of difficult debts: In some cases, old debts or those from debtors facing force majeure may require unconventional collection strategies. We may request an exception from certain routine procedures to implement these innovative strategies, which we believe will increase the chances of recovering a portion of these debts that you may consider bad debts.
* Accelerating the collection process in certain cases: In some cases, we may discover that following a slightly different approach than standard procedures can expedite the collection process and reduce the time and associated costs.
* Efficiently handling complex legal cases: In debts involving complex guarantees or long-standing legal disputes, we may request some flexibility in the way these cases are managed to ensure the bank’s interests are protected to the greatest extent possible and at a reasonable cost. * Avoiding unnecessary additional costs: In some scenarios, we may determine that adhering to a particular procedure may result in additional costs without providing significant added value to the collection process. In these cases, we may request an exception to avoid these costs.
* Tailoring solutions for exceptional cases: We believe that each debt situation is unique. In cases requiring customized solutions beyond standard procedures, we may request an exception to provide a solution that better meets the debtor’s needs and circumstances and increases the likelihood of at least partial repayment.

It is important to understand that our exception requests will not be random or repetitive. They will be based on:

* A thorough and detailed analysis of the case: We will always provide you with a clear and detailed analysis of the case requiring the exception, explaining the reasons for our request.

* Clarifying the benefit to the bank: We will clearly explain how granting this exception will benefit the bank in the long term, whether by increasing the collection rate, reducing costs, or expediting the process.

* Our full commitment to transparency: We will keep you fully informed of all steps and actions taken in any case where an exception is granted.

We strive to build a strong and productive partnership with you, and we believe that a little flexibility in handling exceptional cases can help us achieve our shared collection goals more efficiently. We are confident that our recommendations regarding exceptions will always be well-considered and aimed at achieving the best possible outcome for the bank.

Do you have any questions about this matter? We are happy to discuss any concerns or inquiries you may have.