1. REFORMS ON IMPROVING KAZAKHSTAN’S POSITION IN «GETTING CREDIT» INDICATOR IN DOING BUSINESS

2. 2 Depth of credit information index Are data from retailers or utility companies - in addition to data from banks and financial institutions - distributed? Reform The law provides that the registry received basic credit information from utility companies. Law of the Republic of Kazakhstan "On natural monopolies and regulated markets“ Article 7. Duties of a natural monopoly A natural monopoly entity shall: "23) provide credit information to the credit bureau with state participation;" Статья 3. Основные понятия, используемые в настоящем Законе 8) natural monopoly entity of small capacity - natural monopoly, providing services: - generation, transmission, distribution and (or) supply of thermal energy from the heating plants with a total installed capacity of up to twenty Gcal / h inclusive; - water supply and (or) water removal capacity of up to one hundred and fifty thousand cubic meters per year; - in driveways up to thousands of carriage / km. REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

3. Strength of legal rights index Does an integrated or unified legal framework for secured transactions that extends to the creation, publicity and enforcement of functional equivalents to security interests in movable assets exist in the economy? 1) fiduciary transfer of title; 3 REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

4. 4 Strength of legal rights index Does an integrated or unified legal framework for secured transactions that extends to the creation, publicity and enforcement of functional equivalents to security interests in movable assets exist in the economy? 2) financial leases; REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

5. 5 Strength of legal rights index Does an integrated or unified legal framework for secured transactions that extends to the creation, publicity and enforcement of functional equivalents to security interests in movable assets exist in the economy? 3) assignment or transfer of receivables; REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

6. 6 Strength of legal rights index Does an integrated or unified legal framework for secured transactions that extends to the creation, publicity and enforcement of functional equivalents to security interests in movable assets exist in the economy? 4) sales with retention of the right. REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

7. 7 Strength of legal rights index Does the law allow businesses to grant a non possessory security right in a separate category of movable assets, without requiring a specific description of collateral? REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

8. 8 Strength of legal rights index Does the law allow businesses to grant a non possessory security right in substantially all of its assets, without requiring a specific description of collateral? REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

9. 9 Strength of legal rights index May a security right extend to future or after-acquired assets, and may it extend automatically to the products, proceeds or replacements of the original assets? REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN

10. 10 Реформа Strength of legal rights index Is a general description of debts and obligations permitted in collateral agreements; can all types of debts and obligations be secured between parties; and can the collateral agreement include a maximum amount for which the assets are encumbered? REFORMS FOR THE GETTING CREDIT INDICATOR IN KAZAKHSTAN