1. Member States shall ensure that the creditor and, where applicable, the credit intermediary or appointed representative, provides the consumer with the personalised information needed to compare the credits available on the market, assess their implications and make an informed decision on whether to conclude a credit agreement:
(a) without undue delay after the consumer has given the necessary information on his needs, financial situation and preferences in accordance with Article 20; and
(b) in good time before the consumer is bound by any credit agreement or offer.
2. The personalised information referred to in paragraph 1, on paper or on another durable medium, shall be provided by means of the ESIS, as set out in Annex II.
3. Member States shall ensure that when an offer binding on the creditor is provided to the consumer, it shall be provided on paper or on another durable medium and accompanied by an ESIS where:
(a) no ESIS has been provided to the consumer previously; or
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