S.L. 376.10 Art. 39Repeal and savings. S.L. 376.09.

The Financial Institutions Act (Consumer Credit)

Regulations are hereby repealed without prejudice to anything done or omitted to be done thereunder:

Provided that the aforementioned regulations shall continue to apply to credit agreements entered into prior to 20th November 2026 until such termination thereof.

FIRST SCHEDULE (regulation 9)

STANDARD EUROPEAN CONSUMER CREDIT INFORMATION

(*) This information is optional for the creditor.

Wherever "where applicable" is indicated, the creditor shall fill in the box if the information is relevant to the credit product or delete the respective information or the entire row if the information is not relevant for the type of credit considered.

Indications between square brackets provide explanations for the creditor and shall be replaced with the corresponding information.

Key information

Part I

[Always on the first page of the form]:

Creditor [Identity] Where applicable Credit intermediary [Identity] Total amount of credit

This means the ceiling or the total sums made available under the credit agreement. Duration of the credit agreement The borrowing rate or, where [percentage (%) applicable, different borrowing rates which apply to the credit - fixed, or agreement - variable (with the index or reference rate applicable to the initial borrowing rate),

- periods] Annual percentage rate of charge (APR)

This is the total cost expressed as an annual percentage of the total amount of credit.

The APR is there to help you compare different offers. Total amount you shall have to pay[Sum of total amount of credit and total cost of credit to the consumer] This means the amount of borrowed capital plus interest and possible costs related to your credit. Where applicable The credit is granted in the form of a deferred payment for specific goods or specific services or is linked to the supply of specific goods or the provision of specific services

Name of good/service

Cash price Costs in the case of late payments You shall be charged [… (applicable interest rate and arrangements for its adjustment and, where applicable, default charges)] for late payments. Part II

[If following elements cannot be displayed in a prominent way on one page, they shall be displayed in the first part of the form on the second page]:

Instalments and, where You shall have to pay the following: appropriate, the order in which instalments shall be allocated [The amount, number and frequency of payments to be made by the consumer]

Interest and/or charges shall be payable in the following manner: Warning regarding the consequences of missing or late payments

Missing or late payments could have severe consequences for you (e.g. forced sale) and make it more difficult for you to obtain credit in the future. Right of withdrawal Yes/no

You have the right to withdraw from the credit agreement within a period of 14 calendar days. Early repayment Yes

You have the right to repay the credit early at any time fully or partially.

Where applicable

The creditor is entitled to compensation in the case of early repayment. Creditor

Geographical address

Telephone number

Email address

Web address (*) Where applicable Credit intermediary

Geographical address

Telephone number

Email address

Web address (*)

Additional information about the credit agreement