16. The purposes referred to in sections 14(4) and 15(4) are—

(a) verifying information provided in or in connection with a credit application;

(b) evaluating any risk arising from the affording or extending of credit to, or the taking of a guarantee or indemnity from, a credit information subject;

(c) evaluating any risk arising from any changes to the nature or term of a credit agreement, or to a guarantee or indemnity given in connection with a credit agreement;

(d) monitoring any failure to comply with any obligation under a credit agreement or a guarantee or indemnity given in connection with a credit agreement that has not been corrected;

(e) evaluating whether to make any proposal or arrangement with respect to the debts of a credit information subject in circumstances in which a credit information subject has made a request for such an evaluation to be made;

(f) analysing the nature of the credit information provider’s portfolio of credit agreements.