In case of violation of obligations related to the repayment of the monthly loan debt, the Borrower pays a penalty in the amount stated in the Loan Agreement. Sometimes the Borrower may have good reasons or be under certain circumstances that prevent him/her from repaying the loan on time. In this case, the Borrower should contact his/her loan officer BEFORE the due date. At this stage, the Company will react positively and take the Borrower’s problem into consideration.