1. The minimum knowledge and competence requirements for creditors', credit intermediaries' and appointed representatives'staff referred to in Article 9 and for persons involved in the management of credit intermediaries or appointed representatives referred to in point (c) of Article 29(2) and Article 31(2) need to include at least:

(a) appropriate knowledge of credit products within the scope of Article 3 and the ancillary services typically offered with them;

(b) appropriate knowledge of the laws related to the credit agreements for consumers, in particular consumer protection;

(c) appropriate knowledge and understanding of the immovable property purchasing process;

(d) appropriate knowledge of security valuation;

(e) appropriate knowledge of organisation and functioning of land registers;

(f) appropriate knowledge of the market in the relevant Member State;

(g) appropriate knowledge of business ethics standards;