For the purposes of this Directive, the following definitions apply:
(1) "credit institution" means a credit institution as defined in Article 4(1), point (1), of Regulation (EU) No 575/2013;
(2) "creditor" means a credit institution that has issued a credit, or a credit purchaser;
(3) "borrower" means a legal or natural person who has concluded a credit agreement with a credit institution, including its legal successor or assignee;
(4) "credit agreement" means an agreement as originally issued, modified or replaced, whereby a credit institution grants a credit in the form of a deferred payment, a loan or other similar financial accommodation;
(5) "credit servicing agreement" means a written contract concluded between a credit purchaser and a credit servicer concerning the services to be provided by the credit servicer on behalf of the credit purchaser;
(6) "credit purchaser" means any natural or legal person, other than a credit institution, that purchases a creditor's right
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