S.L. 378.12 Art. 25Savings. S.L. 378.10 1. Address Telephone E-mail address Fax Number (*) Web address (*) .............If Credit Address Telephone E-mail address Fax Number (*) Web address (*) (*) This Wherever information is the entire row Indications must be 2. The type of The total This means the available under T

(1) The Consumer Credit Regulations, 2005 , shall, as from the date of coming into force of these regulations, be repealed except for -

(a) regulation 5, the Second Schedule and the Third Schedule; and

(b) regulations 3, 4, 6, 7(1), 9 to 12, 14, 16 to 18, and the First, Fourth and Fifth Schedules in so far as applicable to home loans.

(2) Without prejudice to sub-regulation (1), agreements entered into under the Consumer Credit Regulations, 2005, before the coming into force of these regulations, shall remain in force and be regulated by the terms and conditions applicable thereto.

*eventually repealed by Legal Notice 415 of 2011, as from 1st January, 2012. FIRST SCHEDULE

[Regulation 7]

STANDARD EUROPEAN CONSUMER CREDIT INFORMATION

Identity and contact details of the creditor/credit intermediary ............Creditor [Identity] Geographical address to be used by the Number (*) consumer] (*)

applicable Intermediary [Identity] [Geographical address to be used by the Number (*) consumer] (*)

information is optional for the creditor. "if applicable" is indicated, the creditor must fill in the box if the relevant to the credit product or delete the respective information or if the information is not relevant for the type of credit considered.

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

Description of the main features of the credit product credit amount of credit ceiling or the total sums made the credit agreement governing the drawdown and when you will obtain the the credit agreement where appropriate, the order You will have to pay the following: instalments will be allocated [The amount, number and frequency of payments to be made by the consumer] Interest and/or charges will be payable in the following manner: amount you will have to pay [Sum of total amount of credit and total cost of credit] amount of borrowed capital possible costs related to your granted in the form of a deferred good or service or is linked to specific goods or the provision of good/service required [Kind of Sureties] description of the security to be you in relation to the credit

If applicable Repayments do not give rise to immediate amortisation of the capital.