Article 4 2.

the borrowing rate, fixed or variable or both, together with particulars of any charges included in the total cost of the credit to the consumer;

the total amount of credit;

the annual percentage rate of charge; in the case of a credit agreement of the kind referred to in Article 2(3), Member States may decide that the annual percentage rate of charge need not be provided;

if applicable, the duration of the credit agreement;

in the case of a credit in the form of deferred payment for a specific good or service, the cash price and the amount of any advance payment; and

if applicable, the total amount payable by the consumer and the amount of the instalments.