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.