For the purposes of this Directive, the following definitions shall apply:
(1) "Consumer" means a consumer as defined in point (a) of Article 3 of Directive 2008/48/EC.
(2) "Creditor" means a natural or legal person who grants or promises to grant credit falling within the scope of Article 3 in the course of his trade, business or profession.
(3) "Credit agreement" means an agreement whereby a creditor grants or promises to grant, to a consumer, a credit falling within the scope of Article 3 in the form of a deferred payment, loan or other similar financial accommodation.
(4) "Ancillary service" means a service offered to the consumer in conjunction with the credit agreement.
(5) "Credit intermediary" means a natural or legal person who is not acting as a creditor or notary and not merely introducing, either directly or indirectly, a consumer to a creditor or credit intermediary, and who, in the course of his trade, business or profession, for remuneration, which may take a pecuniary f
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