1. Member States shall ensure that clear and comprehensible general information about credit agreements is made available by creditors or, where applicable, by tied credit intermediaries or their appointed representatives at all times on paper or on another durable medium or in electronic form. In addition, Member States may provide that general information is made available by non-tied credit intermediaries.
Such general information shall include at least the following:
(a) the identity and the geographical address of the issuer of the information;
(b) the purposes for which the credit may be used;
(c) the forms of security, including, where applicable, the possibility for it to be located in a different Member State;
(d) the possible duration of the credit agreements;
(e) types of available borrowing rate, indicating whether fixed or variable or both, with a short description of the characteristics of a fixed and variable rate, including related implications for the consumer;
(ea) wh
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