has been declared insolvent or had a court grant his creditors a final non-appealable right of enforcement or material damages as a result of a missed payment within three years prior to the date of origination or has undergone a debt restructuring process with regard to his non-performing exposures within three years prior to the date of transfer or assignment of the underlying exposures to the SSPE, except if:
dearbhaíodh é bheith dócmhainneach nó dheonaigh cúirt ceart forfheidhmithe nó damáistí airgid dá chreidiúnaithe de dheasca íocaíocht a chaill sé sna 3 bliana roimh dháta an tionscanta nó cuireadh faoi réir próiseas athstruchtúraithe fiachais é sna 3 bliana roimh an dáta a ndéantar na neamhchosaintí foluiteacha a aistriú nó a shannadh do SSPE, seachas i gcás: