After the scandal arose with depositors of bankrupt banks, from whom the Deposit Insurance Agency (DIA) began to collect funds only for the fact that they took their money before the banks were deprived of their license, the DIA was already justifying itself: they say that it takes money only where deposits were issued in conditions of obvious actual insolvency of the bank. However, observers immediately caught the Agency that, against the backdrop of massive claims against depositors of bankrupt banks, strange exceptions began to appear. Selected depositors, as reported by telegram channels, took hundreds of millions of rubles from banks on the eve of the license revocation, but for some reason the DIA did not have any claims against them.

As banks note, such DIA policies undermine people's trust in the banking system as a whole. However, the Agency’s actions seem to be specifically aimed at undermining trust in it and the system for collecting debts of citizens and companies.

Another scandal is unfolding around the sale of debts of bankrupt banks, the bankruptcy manager of which is the DIA, where the Agency is suspected of being biased towards tender participants.

Market participants surveyed confirm the lack of transparency in the procedures for organizing trading in the property of bankrupt banks. Often there is a “main” contender for winning the auction, who is given most favored nation treatment in obtaining the information necessary for analysis about the property being sold, and may also receive support from the electronic trading platform. By the way, electronic platforms, as well as all other organizations accredited by the DIA, undergo scrupulous selection by the Agency itself. According to one of Vek’s interlocutors, this was certainly done in order to increase the controllability of the process at all stages, as well as the possibility of selling certain assets to the right buyers.

Another interlocutor of the publication said that there is now a lot of talk among market participants that such a “necessary” buyer could be the TRINFICO Investment Group, which has recently begun to show an active interest in the bank debt market. It has been suggested that the managing partner of TRINFICO, Andrei Marsiy, is closely acquainted with the head of the DIA and is often seen at the Agency, where he can spend a significant part of his working day.

In this context, two claims by the collection company RegionConsult (according to our data, this is one of the notable buyers of the property of bankrupt banks) look interesting. One to the DIA for challenging the results of trading in the property of Svyaznoy Bank and O.V. Belaya (according to data from open sources, the main owner of TRINFICO).

The auction took place on November 17, 2017, and was won by the T-Capital company, which is not a registered collector, which is a direct violation of the law. By law, such companies are prohibited from transferring information about personal data and debts of individuals to organizations. T-Capital is not a participant in the bad bank debt market, is not a personal data operator or a registered debt collector, but this did not prevent the DIA from appointing the company as the winning bidder. RegionConsult and the third participant, Bank Tinkoff, respectively lost this tender.

RegionConsult LLC refused to comment to Veka about the situation with the filed claims, but drew attention to the fact that after filing a claim against the Agency, they unexpectedly encountered problems associated with obtaining the necessary information from the DIA about property at auction, and also suddenly failed twice were declared the winner of the auction, where they were the only participant who fulfilled all the necessary requirements for bidders.

RegionConsult filed a claim against its participant O.V. Belai (who is also the main owner of the TRINFICO Investment Group), which the company commented on as an attempt to compensate Belai for damages in accordance with the procedure established by law for creating a parallel business.

Oleg Belay, chairman of the board of directors of the TRINFICO group, and Andrey Marsiy, managing partner of the group, did not answer questions from Vek about their connections with the Deposit Insurance Agency.

At the same time, the scandal with RegionConsult threatens the DIA with suspicions of complicity in a raider takeover of a business, redistribution of the bank debt market, and accusations of affiliation with one of the market participants. Well, coupled with the story with depositors, the growth of scandals around the Agency may force the Central Bank to rush to implement its plans to reduce the powers of the DIA, which insiders have been talking about more and more lately.

• (section “Registration”) (See “Publication”).
• To register and carry out transactions on the electronic platform, applicants must first obtain an electronic signature from one of the Certification Centers*. Lists of Certification Authorities authorized to produce qualified certificates of electronic signature verification keys are given on the websites of electronic platforms in the section "Electronic signature".

• Applications for participation in tenders are submitted in electronic form on the websites of electronic platforms, and must be signed with an electronic signature * .
• Acceptance of applications for participation in electronic trading in the form of an auction (competition, bidding through a public offer) is terminated within the period specified in the notice of bidding ( see "Publication"), at 14:00 Moscow time.

• * :

Last name, first name, patronymic (if available), passport details, information about the applicant’s place of residence;

Information about the presence or absence of interest of the applicant in relation to the debtor, creditors, bankruptcy trustee (liquidator) and the nature of this interest;

• 10 (Ten)
• see "Publication"), V 14:00 Moscow time.

• To participate in the auction you must register on the website of the electronic platform (section “Registration”) specified in the bidding notice (See “Publication”).
• To register and carry out transactions on the electronic platform, applicants must first obtain an electronic signature from one of the Certification Centers * . Lists of Certification Authorities authorized to produce qualified certificates of electronic signature verification keys are given on the websites of electronic platforms in the section "Electronic signature".
• If you have any questions during registration, please use the registration guide posted on the website of the relevant electronic platform.

• Applications for participation in tenders are submitted in electronic form on the websites of electronic platforms, and must be signed with the electronic signature of the applicant * .
• Acceptance of applications for participation in electronic trading in the form of an auction (competition, bidding through a public offer) is terminated within the period specified in the notice of bidding (see "Publication"), V 14:00 Moscow time.

• The application for participation in the auction must contain the following information * :

Name, legal form, location, postal address;

Contact phone number, email address;

Information about the presence or absence of interest of the applicant in relation to the debtor, creditors, bankruptcy trustee (liquidator) and the nature of this interest;

Information about the bankruptcy trustee (liquidator) participation in the applicant’s capital.

• In the case of a closed auction, the application for participation in the auction must be accompanied by confirmation of the applicant’s compliance with the requirements for a bidder established in accordance with the legislation of the Russian Federation in relation to limitedly negotiable property and specified in the notice of the auction.

• When holding a competition, the application for participation in the auction must contain the applicant’s obligation to fulfill the terms of the competition.

• The applicant is obliged to make a deposit on the relevant lot within the period specified in the notice of the auction, and in accordance with the agreement on the payment of a deposit, by transferring funds to the account for crediting deposits specified in the notice of the auction.
• The purpose of payment must indicate the name of the financial organization; last name, first name, patronymic (if any) of the applicant; the date of the auction for participation in which a deposit is paid; lot number, participant’s personal account number (if available).
• The applicant has the right to make a deposit without submitting a signed agreement on making a deposit. In this case, the transfer of the deposit by the applicant is considered an acceptance of the agreement on the payment of the deposit posted on the electronic platform.
• The deposit for participation in the auction is 10 (Ten) percent of the initial sale price of the lot - for bidding in the form of an auction (competition); from the initial sale price of the lot for the period - for trading through a public offer. The date of payment of the deposit is considered to be the date of receipt of funds to the account specified in the notice of bidding.
• Acceptance of deposits for participation in electronic trading in the form of an auction (competition, bidding through a public offer) is terminated within the period specified in the notice of bidding ( see "Publication"), V 14:00 Moscow time.
• The amounts of deposits made by applicants are returned to all applicants, with the exception of the winner of the auction, within five working days from the date of signing the protocol on the results of the auction. Refunds of deposits are made using the details specified in the payment order.

Organizer of the auction - State Corporation "Deposit Insurance Agency"

Organizer of the auction - Joint Stock Company "Russian Auction House"

To get acquainted with the property, you can submit an application for its inspection in any of the following ways:
• - fill out the form on the Portal by clicking the “Sign up for viewing” button on the lot card that interests you or by going to the page;
• - fill it out and send it to your email address [email protected] ;
• - by phone 8-800-200-08-05, 8-800-505-80-32.

The property can be inspected at its location/storage location on agreed days and times within the established operating hours upon presentation of the following documents:

Only the property specified in the inspection application is provided for inspection, with the right to photograph it and copy title documents. In order to eliminate the risk of damage (spoilage) or destruction of property, familiarization with it is carried out mainly through an external (visual) inspection. The functionality of the property is checked in the presence of an authorized person and if technical capabilities are available at the place of its storage, subject to compliance with established security measures. An inspection may be refused in the following cases:
• - the presence of obvious signs of alcohol or drug intoxication in the person arriving for inspection.

* In case of participation in the auction through a representative (including an agent):

The sale of property of liquidated financial organizations is carried out in the manner established by Federal Law dated October 26, 2002 No. 127-FZ “On Insolvency (Bankruptcy)” (hereinafter referred to as the Bankruptcy Law) and Order of the Ministry of Economic Development of Russia dated July 23, 2015 No. 495.

When conducting electronic trading, participation in trading is allowed applicant , who submitted an application in accordance with the established procedure and paid a deposit for participation in the auction.

In accordance with paragraph 11 of Art. 110 Bankruptcy Law application for participation in tenders must comply with the requirements established in accordance with the Bankruptcy Law and specified in the tender notice, and must be presented in the form of an electronic message.

The application for participation in the auction is drawn up in any form in Russian and must contain the following information specified in the message about the auction against the applicant :

Name, legal form, location, postal address (for a legal entity);

Last name, first name, patronymic, passport details, information about place of residence (for an individual);

Contact phone number, email address;

Information about availability or absence applicant's interest in relation to the debtor, creditors, bankruptcy trustee (liquidator) and the nature of this interest;

Participation information in the applicant's capital bankruptcy trustee (liquidator).

According to paragraph 11 of Art. 110 Bankruptcy Law the application must be signed electronically(hereinafter referred to as EP) applicant.

Thus, to participate in electronic trading the applicant must:

1. Submit an electronic application indicating the information listed above;

2. Sign the electronic electronic application;

3. Ensure receipt of the deposit within the period specified in the notice of bidding.

No other documents or information are required to be provided.

At the same time, in case of participation in electronic trading through a representative (including an agent) acting on the basis of a power of attorney or agreement (including an agency agreement), applicant status has and, accordingly, is recognized as the applicant by a person indicated as such in the electronic application to participate in the auction, that is, a person whose full name or name is indicated in the “information about the applicant”/“information” field (the name of the field depends on the electronic application form used by the operator of the electronic platform).

Thus, in the electronic application the applicant must be indicated principal (in the case of an agency agreement - principal); subscribe this electronic application of his ES (if he has the appropriate authority) has the right a proxy (in the case of an agency agreement - an agent), that is, a person who has the right to act on behalf of the applicant by proxy or on the basis of an agreement (including an agency agreement). In this case, the application must be accompanied by documents confirming the authority of the authorized person (including the agent) to sign the application on behalf of the principal (in the case of an agency agreement - the principal).

Considering that the applicant’s admission to participate in the auction is subject to (1) compliance of the application with the requirements for it, (2) reliability and compliance with the requirements of the documents attached to the application (if their presentation is required by law or provided for in the notice of the auction) , (3) receipt confirmation from the applicant deposit, we draw your attention to the fact that in the event payment of the deposit for the applicant third party the purpose of payment must necessarily indicate Full name or name of the applicant for which payment was made. Otherwise, the amount of money paid as a deposit will not be identified.

Thus, in electronic application to participate in the auction as applicant a person must be indicated with whom, if he is determined to be the winner of the auction, an agreement will be concluded based on the results of the auction (clauses 16, 19 of Article 110 of the Bankruptcy Law).

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Sales at auctions held without the use of electronic platforms

At auctions without the use of technical means of an electronic platform (trading in non-electronic form), the property of a liquidated financial organization can be sold, in respect of which the law does not require its sale through electronic auctions.

In order to increase the transparency of implementation procedures, the Agency conducts non-electronic tenders for the right to acquire the property of liquidated financial organizations, the book value of which as of the last reporting date before the date of opening bankruptcy proceedings (introduction of the liquidation procedure) is less than 100 thousand rubles.

Bidding in non-electronic form is carried out in the form of an open auction with an open form of submission of price proposals (non-electronic auction). A non-electronic auction is conducted by the auction organizer on the day, time and place specified in the information message about its holding, posted on the official website of the auction organizer and/or on the official website of the Agency. Persons who have registered to participate in the non-electronic auction are allowed to participate in a non-electronic auction within the time frame and in the manner established in the notice of its holding.

A non-electronic auction is held to increase the price by an “increasing auction step” from the initial sale price, which is established in the message about the non-electronic auction. If during a non-electronic auction none of the participants expressed a desire to purchase a lot at the current starting price, then the starting price is reduced by a “downward auction step” and bidding is again held at an increase from the current starting price. In the absence of participants who have expressed a desire to purchase property at the current starting price, the current starting price is successively reduced by a “downward auction step” to the “minimum selling price” indicated in the message about the non-electronic auction.

The right to purchase property belongs to the participant in the non-electronic auction who offered the highest purchase price for the property, but not lower than the current sale price. During a non-electronic auction, proposals for the price of property are announced by participants in the non-electronic auction openly during its conduct.

The decision to determine the winner is made on the day of the non-electronic auction and is documented in a protocol on the results of the auction for each lot put up for auction.

Another competitive procedure for the sale of property with a book value of less than 100 thousand rubles, used by the Agency during liquidation procedures, is the sale of such property through an offer to sell it. The offer for the sale of property is published on the official website of the Agency. As part of this competitive procedure, several periods of gradual reduction in the price of property are established. Review of received applications for the acquisition of property is carried out at the end of each period. Based on the results of their consideration, the person who offered the highest price for the property is determined, but not lower than the sale price established for the corresponding period. In the case of identical price proposals, the winner of the competitive procedure is the participant who submitted the application earlier than other participants.

Sale of assets acquired as part of preventing the bankruptcy of financial organizations

The Agency carries out the sale of assets (property) acquired by the State Corporation “Deposit Insurance Agency” when implementing measures to prevent bank bankruptcy (hereinafter referred to as the Assets), in the form of the following competitive public procedures:

1) the Agency's proposal to make offers to conclude:

Asset purchase and sale agreements;

Investment agreement in relation to the Asset.

2) public offer of the Agency to conclude Asset purchase and sale agreements;

3) bidding (in the form of an auction or competition), the subject of which may be:

The right to conclude an Asset purchase and sale agreement;

The right to conclude an investment agreement in relation to the Asset.

Trades are organized directly by the Agency or an external auction organizer and are conducted both with and without the use of an electronic trading platform.

The sale of Assets is carried out on the basis and in the manner prescribed by the Regulations on the procedure for the sale of assets acquired by the State Corporation “Deposit Insurance Agency” when implementing measures to prevent bank bankruptcy.

Detailed information about the conditions and procedure for the sale of Assets is contained in the publications posted on the Agency’s official website on the Internet in the section “Sale of property as part of recovery procedures.”

Question and answer

By phone: 8-800-200-08-05, 8-800-505-80-32.

Application status

We will send you confirmation of acceptance of the application by sending a return message to the contact details specified in the Application. The confirmation will include the time, address and contact details of the person responsible for displaying the property.

Where and when is the property reviewed?

The property can be inspected at its location/storage location on agreed days and times within the established operating hours upon presentation of the following documents:

– identification document;

– if a person acts on behalf of an interested party, it is necessary to provide a power of attorney and an identification document.

Property inspection rules

Only the property specified in the inspection application is provided for inspection, with the right to photograph it and copy title documents.

In order to eliminate the risk of damage (spoilage) or destruction of property, familiarization with it is carried out mainly through an external (visual) inspection. The functionality of the property is checked in the presence of an authorized person and if technical capabilities are available at the place of its storage, subject to compliance with established security measures.

An inspection may be refused in the following cases:

Identification documents and credentials were not presented;

Failure to appear at the agreed date, place and time;

The presence of obvious signs of alcohol or drug intoxication in the person arriving for inspection

How can I get acquainted with the documents regarding the property I am interested in?

Answer:

Familiarization with the documents certifying the right of claim against the debtor is carried out only at the location (storage) of the documents with prior agreement with the auction organizer using the contact information specified in the message about the auction.

All PHOTOS of property available to the auction organizer are posted on the Portal.

If you need to obtain additional INFORMATION, as well as familiarize yourself with other documents about the property, you can use the “Ask a Question” section (implement an active link).

How can I track information about the property I'm interested in?

Answer:

Information about the property you are interested in should be tracked using the “My Notepad” section. To do this, you need to add the lot you are interested in to the specified section (by clicking on the “Add to notepad” button). In this case, in the “My Notepad” section, not only a list of lots of interest will be displayed, but also their current cost and the current amount of the deposit (if any).

In addition, the “My Notepad” section provides a number of options that will be convenient when tracking information not only on lots of interest, but also on predefined parameters:

Establishing the price of interest at which you are ready to purchase the property, as well as indicating the specified property in the event that the price you offer is higher than the sale price of the lot;

Saving filter conditions (the ability to create individual filters);

Receiving information about new arrivals based on predefined parameters.

Please note that to use this section you must complete the registration procedure on the Portal.

How to pay the deposit?

Answer:

Payment of deposits is made according to the details of the Organizer of the auction specified in the message about the auction, with the necessary information filled in in the field “Purpose of payment”. The deposit for participation in the auction is 10 (Ten) percent of the initial selling price of the lot at the auction/bidding period. If the deposit paid was less than 10 (Ten) percent of the initial sale price of the lot at the auction/bidding period, the applicant is not allowed to participate in the auction.

The decision to refuse to allow the applicant to participate in the auction is made if:

The application for participation in the auction does not meet the requirements established in accordance with the Federal Law “On Insolvency (Bankruptcy)” and specified in the notice of the auction;

The documents submitted by the applicant do not meet the requirements established for them or are unreliable;

Receipt of the deposit to the accounts specified in the notice of the auction was not confirmed as of the date of drawing up the protocol on determining the participants in the auction.

Notification of all applicants about the results of consideration of submitted applications for participation in tenders and recognition or non-recognition of applicants as tenderers is carried out by sending to applicants in writing or in the form of an electronic document copies of the protocol on identifying tenderers within five days from the date of signing the said protocol.

How to find out the result of the auction?

Answer:

The decision to determine the winner of the auction is made on the day of summing up the results of the auction and is documented in a protocol on the results of the auction. Notification of all bidders about the results of the auction is carried out by sending them a protocol on the results of the auction in the form of an electronic document no later than the business day following the day of signing such a protocol to the email address specified in the application for participation in the auction.

How is an agreement concluded with the winner based on the results of the auction?

Answer:

Within five days from the date of signing the protocol on the results of the auction, the bankruptcy trustee sends the winner of the auction a proposal to conclude a purchase and sale agreement (assignment) with a draft of this agreement attached in accordance with the price proposal submitted by the winner of the auction.

Answer:

The amounts of deposits made by applicants are returned to applicants, with the exception of the winner of the auction, within five working days from the date of signing the protocol on the results of the auction. Refunds of deposits are made using the details specified in the payment order. To return deposits transferred without opening an account, applicants who are not recognized as the winning bidders must provide bank details when submitting an application to participate in the auction.

The Deposit Insurance Agency put up for auction the rights to claim the debts of more than 6 thousand clients of bankrupt banks. Almost all debts are offered at a discount: in some places it reaches only a few percent, but you can buy a ten-million dollar debt for a few thousand. As the agency notes, the borrower himself can buy them: anyone has the right to participate in the auction.

DIA launched a website similar to Avito.ru at the end of 2015. Through it, the agency sells property remaining from liquidated banks: from land plots, shares and apartments to computer mice and office chairs. In total there are more than 10 thousand lots. The cost of all property exhibited on the site is estimated at 150–200 billion rubles.

The volume of sales is not decreasing: the Central Bank’s cleanup of the banking sector is bringing more and more victims to the DIA. Currently, the agency is liquidating about three hundred banks and three dozen non-state pension funds. Their total assets are 3 trillion rubles. At the same time, the debts of citizens and companies account for two-thirds of the total amount in this share, and the remainder is real estate, office and banking equipment, furniture, and cars.

Previously, the site mainly featured furniture and real estate, and sometimes at quite ridiculous prices. Last year you could buy a leather sofa for 37 rubles or a glass shelving unit for 25 rubles. True, pick-up from Sakhalin Island - it was there that the branch of Vneshprombank was located, the property of which was auctioned. Currently, you can buy a computer mouse for 64 rubles or a keyboard for 94 rubles 50 kopecks. True, you will have to go to the Stavropol Territory to get them. You can also buy intellectual property - for example, the logo of the bankrupt AF Bank for 360 rubles.

Now debts have appeared on the site. So far we are talking about several thousand debtors. Among them are a variety of people, but there are also debts of top management of bankrupt banks. For example, the chairman of the board of the former Mira Bank, Tatyana Nikolaeva. Her debt of 30 thousand euros is sold for only 87 thousand rubles.

The DIA press service did not answer Life’s questions about whether this practice will continue and how many total debts of individuals will be put up for sale. Collection agencies note that they are not interested in purchasing debts on the site.

Professional collectors are not ready to buy all debts. Most large collection agencies are technologically designed for “conveyor” work with large debt portfolios,” notes Boris Voronin, director of the National Association of Collection Agencies. - Not everyone is engaged in individual work with individual debts, especially from private creditors; the cost of such collection is much higher than when working with debt portfolios. In addition, before purchasing, creditors always evaluate the quality of debts and the possibility of collection. About a third of transactions between banks and collection agencies remain unclosed: collectors are not ready to buy debt portfolios for which there is insufficient information disclosed, or if the portfolio is of poor quality overall. Most likely, these debts put up for sale are practically hopeless, which is why they are sold at a low price.

However, they may be of interest to the debtors themselves: the fact is that there is a chance that from next year, which is still inviolable for collectors. Buying a debt is not particularly difficult: anyone can register on the DIA website. To participate in the auction, you need to make a deposit of 10% of its initial cost. In the future, this money will be returned to all losers.

However, sometimes the debtors themselves from the DIA database, whom Life managed to reach, claim that this is the first time they have heard about the debt. For example, Denis Mayants learned from Life that his debt of 17 thousand 480 rubles is being sold on the DIA site for 3146 rubles.

This is a complete surprise for me,” he says. “I once took out a loan from Metrobank, but I repaid it in full long ago and was sure that, in principle, there could be no debt. I’ll look into it and then decide whether to buy it out or use some other methods.

It is much more difficult to buy your debt at a discount from collection agencies themselves. Although some of them often carry out various promotions on discounts and debt restructuring.

It is often easier to negotiate with collectors than with banks, which are concerned about various requirements of the Central Bank and the problem of reserves. Collectors are more likely interested in the quick receipt of cash, albeit in a smaller volume, so debtors should enter into negotiations and try to achieve a profitable deal, says Voronin.

However, some collection agencies have already turned to the FSSP with a request to provide them with the opportunity to sell individual debts at a discount through the FSSP website.

We are now proposing, and have already discussed this topic with the director of the bailiff service, to create a redemption scheme through the system of a data bank of enforcement proceedings,” says Dmitry Zhdanukhin, General Director of the Collection Development Center. - That is, so that it is possible to sell at a discount those debts that have already been settled. Now there is only a button to “pay off” the debt without a discount, and anyone can do this for the debtor, be it a friend or an enemy, who will thus redeem the debt and be able to make claims themselves. It’s not that collection agencies underestimate the possibility of selling individual debts, it’s just that in terms of paperwork and servicing it will cost them too much.

Date: 07/11/2018

State Corporation "Deposit Insurance Agency" (109240, Moscow, Vysotskogo St., 4, email address: ) (hereinafter referred to as the Auction Organizer), which is based on the decision of the Moscow Arbitration Court dated September 21, 2016. in case No. A40-148779/16-124-252B by the bankruptcy trustee (liquidator) of the Limited Liability Company PCRB Bank (PCRB Bank LLC, registration address: 119454, Moscow, Lobachevsky St., 27, INN 7701138419, OGRN 1027739125303 ) (hereinafter referred to as the financial organization), conducts electronic trading in the form of an open auction with a closed form for submitting proposals for the purchase price of the property of the financial organization (hereinafter referred to as the Bidding).

The subject of trading are the following securities:

(the size of the share in the authorized capital is indicated in brackets, among other things) – initial selling price of the lot

Lot 1 - Shares of JSC National Credit History Bureau, TIN 7703548386, reg. number 1-01-10567-A, nominal value - 100 rubles, 6,300 pcs. (0.64%), Moscow - 18,699,290.40 rubles.

Detailed information about the composition of a financial organization’s lot can be found on the websites of the Auction Organizer www.torgiasv.ru, also in the sections “Liquidation of Banks” and “Sale of Property”.

Bargaining property of a financial organization will be held at 14:00 Moscow time August 27, 2018 www.centerr.ru. If, based on the results of the auction scheduled for August 27, 2018, the lot is not sold, then at 14:00 Moscow time October 16, 2018 on the electronic platform of Implementation Center LLC - www.centerr.ru will be held re-tenders unsold lot with a reduction in the initial price of the lot by 10 (Ten) percent.

The operator of the electronic platform LLC "Realization Center" - www.centerr.ru (hereinafter referred to as the Operator) ensures the conduct of trading.

The Operator's acceptance of applications and proposals for the purchase price of a financial organization's property for participation in the first Bidding begins at 00:00 Moscow time on July 18, 2018, and for participation in repeated Bidding begins at 00:00 Moscow time on September 6, 2018 Acceptance of applications for participation in the Bidding and deposits stops at 14:00 Moscow time 5 (Five) calendar days before the date of the relevant Bidding.

Based on clause 4 of Art. 139 of Federal Law No. 127-FZ “On Insolvency (Bankruptcy)”, the property of a financial organization that is not sold at repeated auctions is put up for auction in electronic form through a public offer (hereinafter referred to as the PPP Auctions).

PPP trades will be held on the electronic platform of Realization Center LLC - www.centerr.ru from December 4, 2018 to January 22, 2019

Applications for participation in the PPP Trades are accepted by the Operator starting from 00:00 Moscow time on October 29, 2018. Acceptance of applications for participation in the PPP Trades and deposits stops 5 (Five) calendar days before the end date of the corresponding period for reducing the sale price of the lot in 14:00 Moscow time.

If there are applications for participation in the PPP Trading, the Trading Organizer determines the winner of the PPP Trading no earlier than 14:00 hours Moscow time on the first working day following the closing date for accepting applications for the corresponding period of lowering the sale price of the lot, and no later than 18:00 hours Moscow time the time of the last day of the corresponding period for reducing the selling price of the lot.

The operator ensures the holding of trades at PPP.

The initial selling prices for the lot are set as follows:

from December 11, 2018 to December 17, 2018 - in the amount of 98.00% of the initial sale price of the lot;

from December 18, 2018 to December 24, 2018 - in the amount of 96.00% of the initial sale price of the lot;

from December 25, 2018 to December 31, 2018 - in the amount of 94.00% of the initial sale price of the lot;

Individuals and legal entities (hereinafter referred to as the Applicant) registered in the prescribed manner on the electronic platform of Implementation Center LLC - www.centerr.ru are allowed to participate in the Bidding and the PPP Bidding. To participate in the Trades and the PPP Trades, the Applicant submits to the Operator an application for participation in the Trades (the PPP Trades).

An application for participation in the Trades (PPP Trades) must contain: name, legal form, location, postal address (for a legal entity), surname, first name, patronymic, passport details, information about place of residence (for an individual), number contact telephone number, email address, information about the presence or absence of interest of the Applicant in relation to the debtor, creditors, bankruptcy trustee (liquidator) and the nature of this interest, information about the participation in the capital of the Applicant of the bankruptcy trustee (liquidator), proposal for the price of property.

To participate in the Bidding (PPT Bidding), the Applicant submits to the Operator in electronic form an agreement on making a deposit signed with the Applicant’s electronic signature. The applicant is obliged, within the period specified in this message, and in accordance with the agreement on making a deposit, to make a deposit by transferring funds to the account for crediting deposits of the Organizer of the Auction: payee - State Corporation "Deposit Insurance Agency", TIN 7708514824, KPP 770901001, current account 40503810845250002051 with the State Bank of Russia for the Central Federal District, Moscow 35, BIC 044525000. The name of the financial organization must be indicated in the purpose of payment , name of the Applicant, date of the Auction (PPP Auction period), for participation in which a deposit is paid, lot number. The applicant has the right to send a deposit using the above details without submitting a signed agreement on the payment of the deposit. In this case, the transfer of the deposit by the Applicant is considered an acceptance of the agreement on the payment of the deposit posted on the electronic platform.

The deposit for participation in the Auction is 10 (Ten) percent of the initial price of the lot. The deposit for participation in the PPP Auction is 10 (Ten) percent of the initial sale price of the lot for the period. The date of deposit is considered to be the date of receipt of funds transferred as a deposit to the account of the Auction Organizer.

The draft agreement concluded based on the results of the Trades (Trading PPP) (hereinafter referred to as the Agreement) and the agreement on the payment of the deposit can be found on the electronic platform of Realization Center LLC - www.centerr.ru.

The applicant has the right to change or withdraw an application for participation in the Trades (PPT Trades) no later than the deadline for submitting applications for participation in the Trades (PPT Trades), by sending a notice to the Operator.

The Trading Organizer reviews the applications submitted by the Applicants to the Operator with the documents attached, establishes the fact that deposits have been received into the Trading Organizer's account within the time period established in this message, and based on the results, makes a decision on the admission or refusal of the Applicant's admission to participate in the Bidding (PPT Bidding). Failure to receive a deposit to the account of the Auction Organizer specified in this message, or receipt of a deposit after the expiration of the period established in this message, or receipt of a deposit in an amount less than that established in this message, are grounds for refusing the Applicant’s admission to participate in the Bidding ( Trades PPP). Applicants admitted to participate in the Trades (PPP Trades) are recognized as participants in the Trades (PPP Trades) (hereinafter referred to as the Participants). The Operator sends notifications to all Applicants about their recognition as Participants or refusal to recognize them as Participants.

If an equal price for a lot, but not lower than the initial selling price of the lot, was offered by two or more Participants, the Winner among them is the Participant who submitted an application for participation in the Auction earlier than the other specified Participants.

The results of the Trading are documented in a protocol on the results of the Trading on the day of the Trading. The protocol on the results of the Trading, approved by the Organizer of the Trading, is posted on the electronic platform of Realization Center LLC - www.centerr.ru.

PPP Trade Winner(hereinafter also referred to as the Winner) is recognized as the Participant who submitted, within the prescribed period, an application for participation in the PPP Trading, containing a proposal for the price of the property of a financial organization, but not lower than the initial sale price of the property established for a certain period of the PPP Trading, in the absence of proposals from other Participants .

If several Participants submitted applications within the established period containing different proposals for the price of the property of a financial organization, but not lower than the initial sale price of the property established for a certain period of the PPP Trading, the right to purchase the property belongs to the Participant who offered the maximum price for this property.

If several Participants submitted within the established period applications containing equal proposals for the price of the property, but not lower than the initial selling price of the property established for a certain period of the PPP Trading, the right to purchase the property belongs to the Participant who was the first to submit an application for participation within the established period in the PPP Trades.

From the date of determination of the Winner of the Bid Trade for each lot, the acceptance of applications for the corresponding lot ceases. The protocol on the results of the PPP Trading, approved by the Trading Organizer, is posted on the electronic platform of Realization Center LLC - www.centerr.ru.

The organizer of the auction, within 5 (Five) days from the date of signing the protocol on the results of the Trading (Trading PPP), sends the Winner to the email address specified in the application for participation in the Trading (Trading PPP), an offer to conclude an Agreement with a draft Agreement attached.

The winner is obliged, within 5 (Five) days from the date of sending to his e-mail address specified in the application for participation in the Trades (PPP Trades), the proposal to conclude an Agreement and the draft Agreement, sign the Agreement and no later than 2 (Two) days from the date of signing send it to the Auction Organizer. The Winner is obliged to immediately notify the Auction Organizer of the fact of signing the Agreement by any means available to him. Failure to sign the Agreement within 5 (Five) days from the date of its sending to the Winner means the Winner’s refusal (evasion) from concluding the Agreement. The amount of the deposit paid by the Winner is counted towards the price of the purchased lot.

The winner is obliged to pay to the seller within 30 (Thirty) days from the date of conclusion of the Agreement the sale price of the lot determined at the Auction (Auction DPP), minus the deposit previously paid according to the following details: payee - State Corporation "Deposit Insurance Agency", TIN 7708514824, KPP 770901001, current account 40503810145250003051 in the Main Directorate of the Bank of Russia for the Central Federal District, Moscow 35, BIC 044525000. In the purpose of payment, it is necessary to indicate the name of the financial organization and the Winner, details of the Agreement, lot number and date of the Trading (PPP Trading period). If the Winner does not fulfill his obligations specified in this message, the Auction Organizer and the seller are released from all obligations related to the conduct of the Auction (PPP Trade), with the conclusion of the Agreement, the deposit made by the Winner is not returned to him, and the Auction (PPP Trade) are declared invalid.