S.L. 376.9 Art. 28Regulations shall prevail.

(1) The provisions of these regulations shall prevail and apply notwithstanding anything to the contrary contained in any credit agreement entered into by the consumer.

(2) Any waiver by the consumer of any of the rights granted to him by these regulations shall be null and void.

(3) The provisions of these regulations shall not be circumvented as a result of the way in which agreements are formulated, in particular by integrating drawdowns or credit agreements falling within the scope of these regulations into credit agreements the character or purpose of which would make it possible to avoid its application.

(4) Notwithstanding any provision in the credit agreement to the effect that the applicable law to the credit agreement shall be the law of a country which is not a Member State, the protection granted by these regulations shall continue to apply where the credit agreement has a close link with the territory of Malta or of any other Member State.

FIRST SCHEDULE (regulation 9)

STANDARD EUROPEAN CONSUMER CREDIT INFORMATION

(*) This information is optional for the creditor.

Wherever "if applicable" is indicated, the creditor must 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 must be replaced with the corresponding information.