1. Framework contracts providing access to a payment account with basic features shall be subject to Directive 2007/64/EC unless otherwise specified in paragraphs 2 and 4 of this Article.

2. The credit institution may unilaterally terminate a framework contract only where at least one of the following conditions is met:

(a) the consumer deliberately used the payment account for illegal purposes;

(b) there has been no transaction on the payment account for more than 24 consecutive months;

(c) the consumer provided incorrect information in order to obtain the payment account with basic features where the correct information would have resulted in the absence of such a right;

(d) the consumer is no longer legally resident in the Union;

(e) the consumer has subsequently opened a second payment account which allows him to make use of the services listed in Article 17(1) in the Member State where he already holds a payment account with basic features.