Decision on Notification of the Provision of Intermediation and Advisory Services Relating to Housing Loans in Another Member State

[unofficial translation] Pursuant to Article 44 paragraph (2) item 3) of the Central Bank of Montenegro Law (OGM 40/10, 6/13, 70/17, 125/23) and Article 60 paragraph (10) of the Consumer Credit Law (OGM 15/25), the Council of the Central Bank of Montenegro, at its meeting held on 20 November 2025, passed the following DECISION ON NOTIFICATION OF THE PROVISION OF INTERMEDIATION AND ADVISORY SERVICES RELATING TO HOUSING LOANS IN ANOTHER MEMBER STATE Subject matter and scope Article 1 This Decision shall regulate the method of notifying the competent authority of host Member State of the intention of credit intermediary to provide intermediation and advisory services relating to housing loans in that Member State through a branch or directly. Data to be delivered to the Central Bank Article 2 (1) A credit intermediary intending to provide intermediation and advisory services relating to housing loans in another Member State (through a branch shall deliver to the Central Bank of Montenegro (hereinafter: the Central Bank) the following data:

1. the name of the host Member State in which it intends to establish a branch;
2. the name, head office, tax identification number;
3. the address of the branch, if available at the time of delivery of data;
4. the names of persons responsible for the operation of the branch, if available at the time of delivery of data;
5. the services it intends to provide in the host Member State; and
6. the name and tax identification number of creditor(s) to which the credit intermediary is tied or on whose behalf it provides services and, in such cases, a certificate that the creditor(s) take full and unconditional responsibility for the activity of the credit intermediary. (2) A credit intermediary intending to provide intermediation and advisory services relating to housing loans in another Member State directly shall deliver to the Central Bank the following data:
7. the name of the host Member State in which it intends to provide credit intermediation services;
8. the name, head office, tax identification number;
9. the services which it intends to provide in the host Member State; and

[unofficial translation]

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Decision on Notification of the Provision of Intermediation and Advisory Services Relating to Housing Loans in Another Member State (OGM 135/25) 2 4) the name and tax identification number of the creditor(s) to which the credit intermediary is tied or on whose behalf it provides services and, in such cases, a certificate that the creditor(s) take full and unconditional responsibility for the activities of the credit intermediary. Method of notification Article 3 (1) The Central Bank shall submit the notification of the intention of the credit intermediary referred to in Article 2 of this Decision to the competent authority of the host Member State using the templates given in Annex I and Annex II that are attached to this Decision and form an integral part thereof. (2) In the case of multiple notifications referred to in paragraph (1) of this Article, such notifications may be grouped by type and submitted to the competent authority of the host Member State, in accordance with the appropriate templates referred to in Annexes to this Decision. (3) The Central Bank shall submit notification referred to in paragraph (1) of this Article in writing in a language accepted by the competent authority of the host Member State, and the notification may be submitted in electronic form, subject to the consent of that authority. Notification of data changes Article 4 (1) The credit intermediary shall notify the Central Bank, without delay, of any change to the data referred to in Article 2 of this Decision. (2) The Central Bank shall notify the competent authority of the host Member State of:

1. the discontinuance of the provision of services listed in the notification referred to in Article 3 of this Decision;
2. the change of data in notification; or
3. data referred to in Article 2 paragraph (1), items 3) and 4) of this Decision that were not available at the moment of the submission of notification referred to in Article 3 of this Decision. (3) The Central Bank shall transmit the data referred to in paragraph (2) of this Article to the competent authority of the host Member State without delay, at the latest within 30 days following that of the receipt of the data. Entry into force Article 5 This Decision shall enter into force on the next day following that of its publication in the “Official Gazette of Montenegro”, and it shall apply from the day of Montenegro’s accession to the European Union.

[unofficial translation]

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Decision on Notification of the Provision of Intermediation and Advisory Services Relating to Housing Loans in Another Member State (OGM 135/25) 3 THE COUNCIL OF THE CENTRAL BANK OF MONTENEGRO Decision number: 0101- 9051-14 /2025 Podgorica, 20 November 2025

CHAIRPERSON GUVERNOR

Irena Radović, m.p.

[unofficial translation]

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Decision on Notification of the Provision of Intermediation and Advisory Services Relating to Housing Loans in Another Member State (OGM 135/25) 4 ANNEX I NOTIFICATION TEMPLATE ON THE INTENTION OF CREDIT INTERMEDIARY TO PROVIDE INTERMEDIATION AND ADVISORY SERVICES IN ANOTHER MEMBER STATE THROUGH BRANCH 1 Date of submission of this notification to the competent authority of the host Member State DD/MM/YYYY 2 Host Member State 3 Type of notification ☐ First notification ☐ Change previous notification 4 Name of the credit intermediary 5 Tax identification number 6 Head office/address 7 E-mail 8 Telephone number 9 Telefax number 10 Name of the competent authority of the home Member State Central Bank of Montenegro 11 Home Member State Montenegro 12 Web address of the registry of credit intermediaries 13 Branch details (if available at the time of the notification): • Address • Telephone number • E-mail address • Telefax number 14 Name(s) and date(s) of birth of natural person(s) responsible for the operation of the branch (if available at the moment of the notification): 15 If available, services to be provided by the credit intermediary in the host Member State ☐ offers/presents loan agreements ☐ assists in preparatory/pre￾contractual administration work ☐concludes loan agreements ☐provides advisory services 16 Tied credit intermediary ☐ Yes ☐ No 17 In case of a tied credit intermediary: a) name and identification number of the creditor(s) or groups to which the intermediary is tied in the host Member State b) whether the credit intermediary is exclusively tied to only one creditor c) certificate that the creditor(s) will take full and unconditional responsibility for the activity of the credit intermediary. a) __________________ b) _________________ c) __________________

[unofficial translation]

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Decision on Notification of the Provision of Intermediation and Advisory Services Relating to Housing Loans in Another Member State (OGM 135/25) 5 ANNEX II NOTIFICATION TEMPLATE ON THE INTENTION OF CREDIT INTERMEDIARY TO PROVIDE INTERMEDIATION AND ADVISORY SERVICES IN ANOTHER MEMBER STATE DIRECTLY 1 Date of submission of this notification to the competent authority of the host Member State DD/MM/YYYY 2 Host Member State 3 Type of notification ☐ First notification ☐ Change previous notification 4 Name of the credit intermediary 5 Tax identification number 6 Head office/address 7 E-mail 8 Telephone number 9 Telefax number 10 Name of the competent authority of the home Member State Central Bank of Montenegro 11 Home Member State Montenegro 12 Web address of the registry of credit intermediaries 13 If available, services to be provided by the credit intermediary in the host Member State ☐ offers/presents loan agreements ☐ assists in preparatory/pre￾contractual administration work ☐ concludes loan agreements ☐ provides advisory services 14 Tied credit intermediary ☐ Yes ☐ No 15 In case of a tied credit intermediary: a) name and identification number of the creditor(s) or groups to which the intermediary is tied in the host Member State b) whether the credit intermediary is exclusively tied to only one creditor c) certificate that the creditor(s) will take full and unconditional responsibility for the activity of the credit intermediary. a) __________________ b) _________________ c) __________________