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EUROPEAN CONSUMER CREDIT INFORMATION Consumer credit offered by certain credit organisations (Article 2(6) of Directive (EU) 2023/2225 of the European Parliament and of the Council ) Debt conversion (Article 2(7) of Directive (EU) 2023/2225) Key information Part I [Always on the first page of the form]:

Creditor Where applicable Credit intermediary [Identity] [Identity] The total amount of credit This means the ceiling or the total sums made available under the credit agreement. The duration of the credit agreement The borrowing rate or, where applicable, different borrowing rates which apply to the credit agreement [% — fixed, or — variable,

— 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. The total amount you will have to pay This means the amount of borrowed capital plus interest and possible costs related to your credit. [Sum of total amount of credit and total cost of credit to the consumer] 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 will be charged [… (applicable interest rate and arrangements for its adjustment and, where applicable, default charges)] for late payments.

1. Description of the main features of the credit product

The type of credit Where applicable Indication that the consumer may be requested to repay the amount of the credit in full at any time Where applicable The price was personalised on the basis of automated decision-making.

2. Costs of the credit Where applicable The different borrowing rates that apply to the credit agreement [% — fixed, or — variable (with the index or reference rate applicable to the initial borrowing rate),

— periods,

— conditions governing the application of each borrowing rate] Representative example illustrating the annual percentage rate of charge (APR) and the total amount payable by the consumer [% A representative example mentioning all the assumptions used for calculating the annual percentage rate of charge to be set out here] Where applicable Costs Where applicable The conditions under which those costs may be changed [The costs applicable from the time the credit agreement is concluded] 3. Other important legal aspects

Termination of the credit agreement [The conditions and procedure for terminating the credit agreement] Where applicable The creditor is entitled to compensation in the case of early repayment [Determination of the compensation (calculation method) in accordance with the provisions implementing Article 29 of Directive (EU) 2023/2225] Consultation of a database The creditor must inform you immediately and without charge of the result of consulting a database, if a credit application is rejected on the basis of such a consultation. Where applicable The period of time during which the creditor is bound by the pre-contractual information The information contained in this form is valid from […] until […]. Concerning redress You have the right to access an out-of-court complaint and redress mechanism. [The out-of-court complaint and redress mechanism for the consumer and how to access it] Warning regarding the legal and financial consequences of non-compliance Non-compliance with the commitments linked to the credit agreement other than late or missed payments could have severe consequences for you. Repayment schedule [Repayment schedule containing all payments and repayments to be made by the consumer over the duration of the contract, including those payments for any ancillary services]

Where applicable 4. Additional information in the case of the distance marketing of financial services

(a) Concerning the creditor Where applicable Representative of the creditor in your Member State of residence Address Telephone number Email address Web address [Identity] [Geographical address to be used by the consumer] Where applicable Registration [The trade register in which the creditor is entered and their registration number or an equivalent means of identification in that register] Where applicable The supervisory authority (b) Concerning the credit agreement Where applicable Exercise of the right of withdrawal [Practical instructions for exercising the right of withdrawal indicating, inter alia, the withdrawal period, the address to which notification of exercise of the right of withdrawal should be sent and the consequences of not exercising the right of withdrawal] Where applicable The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement Where applicable Clause stipulating the law applicable to the credit agreement and/or the competent court [Relevant clause to be set out here] Where applicable Language regime Information and contractual terms will be supplied in [specific language]. With your consent, we intend to communicate in [specific language/languages] for the duration of the credit agreement.