CHAPTER XII CREDITORS AND CREDIT INTERMEDIARIES

indicate, in advertising and documentation intended for consumers, the extent of their powers and whether they work exclusively with one or more creditors or as an independent intermediary;

disclose to the consumer any fees payable by the consumer to the credit intermediary for services to be provided;

reach an agreement with the consumer on any fees referred to in point (b) on paper or another durable medium before the conclusion of the credit agreement;

communicate any fees referred to in point (b) to the creditor, for the purpose of calculation of the annual percentage rate of charge.