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Consumer Credit Act, 1995

THIRD SCHEDULE

Forms of Notice to be Included in Agreements

Section 36 and 129 .

Part I

Form of Notice to be included on front page of a credit agreement.

IMPORTANT INFORMATION

1. Amount of credit advanced

:  _____________________

2. Period of Agreement

:  _____________________

3. Number of Repayment Instalments

:  _____________________

4. Amount of Each Instalment

:  _____________________

5. Total Amount Repayable

:  _____________________

6. Cost of this credit (5 minus 1)

:  _____________________

7. Annual Percentage Rate of Charge

:  _____________________

N.B. You may withdraw from this agreement at any time within 10 days of receiving this agreement or a copy of it.

Part II

Form of Notice to be included on front page of a housing loan.

IMPORTANT INFORMATION

1. Amount of credit advanced

:  _____________________

2. Period of Agreement

:  _____________________

3. Number of Repayment Instalments

:  _____________________

4. Amount of Each Instalment*

:  _____________________

5. Total Amount Repayable*

: £____________________

6. Cost of this credit* (5 minus 1)

:  _____________________

7. APR**

:  ___________________%

8. Amount of endowment premium* (if applicable) :

: £____________________

9. Amount of mortgage protection premium* (if applicable) :

: £____________________

10. Effect on amount of instalment of 1% increase in first year in interest rate***

:  _____________________

*as calculated at the time of making agreement.

**annual percentage rate of charge.

***this is the amount by which the instalment repayment will change in the event of a 1% increase in the interest rate on which the above calculations are based.