Notice No. 5/2024 on Financial Advertising

Notice of the Bank of Portugal
No. 5/2024
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Published in: DR, 2nd Series, Part E, No. 235, of 04-12-2024 Mod. 99999910/T – 01/14 Index Text of the Notice
Annex to the Notice
Text of the Notice
Advertising is a communication strategy that assumes significant importance and reach in the field of economic activity, particularly in the marketing of financial products and services subject to the supervision of the Bank of Portugal. The information transmitted through advertising messages is capable of interfering with the behavior of banking customers, whether in the context of comparing different offers available on the market or in the decision to contract products and services. In this context, the regulation of advertising for financial products and services has proven to be an essential mechanism to ensure transparency and rigor in the provision of information, thereby allowing banking customers to adequately assess the commitments they undertake, with advantages for themselves, for the institutions, and for the efficiency of the financial system. For this reason, the Bank of Portugal regulated, through Notice No. 10/2008 of December 22, the duties of information and transparency to be observed by credit institutions and financial companies in advertising messages for financial products and services subject to their supervision. With the entry into force of this Notice, the Bank of Portugal began to systematically supervise advertising campaigns for financial products and services. However, after approximately 16 years, it is necessary to review this regulatory instrument, taking into account the evolution of advertising activity, aligned with the increasing digitalization in the marketing of financial products and services, with financial innovation, and with the new commercial practices of institutions. It is also important to reflect in this review the supervisory experience acquired in the meantime, as well as the legal instruments published during this period, with particular emphasis on the Legal Regime establishing the requirements for access and exercise of the activity of credit intermediary and the provision of consulting services, approved by Decree-Law No. 81-C/2017 of July 7.

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Thus, through this Notice, the principles and rules applicable to the dissemination of advertising, both by credit institutions, financial companies, payment institutions, and electronic money institutions (“institutions”), as well as by credit intermediaries and other entities authorized to exercise the activity of credit intermediary, are established. The types of advertising regulated and supervised by the Bank of Portugal are also defined, identifying three distinct categories, delimited by the object of the respective advertising message. Consequently, a distinction is now made between advertising for financial products and services, advertising for activity, and institutional advertising, establishing in Chapter I of the Notice a set of principles and rules applicable to the three types of advertising. Advertising for financial products and services, regulated in Chapter II, is any form of communication made by the entities to whom this Notice is addressed with the direct or indirect objective of promoting, either a financial product or service identified through at least one specific characteristic, or a typology of financial products or services, when this advertising includes references to price elements of the typology of financial products or services, namely interest rates, spread, installment amount, commissions, or any benefits associated with the promotional campaign. In this regard, in addition to introducing adjustments to the duties applicable to advertising for financial products and services provided in Notice No. 10/2008, the regulation of advertising related to corporate credit and package accounts is densified, that is, payment accounts that include the provision of associated services under conditions different from those established for minimum banking service accounts and basic accounts. For its part, advertising for activity, regulated in Chapter III, corresponds to any form of communication made by institutions and credit intermediaries with the direct or indirect objective of promoting their commercial activity, when subject to the supervision of the Bank of Portugal. Finally, institutional advertising, regulated in Chapter IV, is any form of communication made by institutions and credit intermediaries with the direct or indirect objective of promoting these entities and which does not fall into the previous typologies. A reporting obligation to the Bank of Portugal for advertising materials is also established in Chapter V, regardless of the channel and medium used for their dissemination, as well as the procedures to be observed by institutions in this reporting. This duty is excepted only for the reporting of advertising materials that are collected by the Bank of Portugal through other means and which, for this reason, do not need to be reported by institutions. A duty of archiving the approval by institutions of advertising for credit products disseminated by credit intermediaries and other entities authorized to
exercise the activity of credit intermediary is also defined in this Chapter. Lastly, through the Annex to the Notice, a set of rules is established regarding the minimum size of characters to be used in different dissemination media, which take into account the technological evolution observed since the publication of Notice No. 10/2008, as well as criteria for evaluating the requirement of similar prominence, to promote transparency and balance in the advertising message. This Notice was subject to public consultation, in accordance with Article 101 of the Administrative Procedure Code, approved by Decree-Law No. 4/2015 of January 7. In these terms, the Bank of Portugal, using the competence conferred upon it by paragraph 4 of Article 77-C of the General Regime of Credit Institutions and Financial Companies, approved by Decree-Law No. 298/92 of December 31, by letter c) of paragraph 1 and by paragraph 7 of Article 7 of the Legal Regime of Payment Services and Electronic Money, approved by Decree-Law No. 91/2018 of November 12, by paragraph 2 of Article 56 and by paragraph 5 of Article 57 of the Legal Regime establishing the requirements for access and exercise of the activity of credit intermediary and the provision of consulting services, approved by Decree-Law No. 81-C/2017 of July 7, and by Article 2 and by paragraph 9 of Article 4 of Annex II to Law No. 35/2018 of July 20, determines the following:
Chapter I
General Provisions
Article 1.
Object and Scope
1 – This Notice establishes the principles and rules that must be observed in advertising for financial products and services subject to the supervision of the Bank of Portugal, as well as in advertising for activity and institutional advertising:
a) Disseminated or authorized by credit institutions, financial companies, payment institutions, and electronic money institutions (hereinafter, collectively designated as “institutions”); b) Disseminated by credit intermediaries and other entities authorized to exercise the activity of credit intermediary (hereinafter, collectively designated as “credit intermediaries”), in the exercise of that activity or in the provision of consulting services. 2 – The principles and rules contained in this Notice apply to any form of advertising, regardless of the support, channel, and medium used for its dissemination.
Article 2.
General Principles of the Advertising Code
The general principles established in the Advertising Code apply, with due adaptations, to the advertising regulated in this Notice.
Article 3.
Principles of Truthfulness and Transparency
1 – The information presented in advertising for financial products and services subject to the supervision of the Bank of Portugal, in advertising for activity, and in institutional advertising must be true, not distorting facts, current, clear, and objective. 2 – Violation of the provisions of the previous number includes, in particular, the dissemination of information not duly updated regarding market conditions with impact on the characteristics of financial products or services, including interest rates, prices, or performance of a financial asset. 3 – Violation of paragraph 1 also includes, in particular, the dissemination of inconsistent information, considered as such the presentation of informational elements regarding the characteristics of the advertised financial products and services that are not coherent with each other. 4 – Regardless of the support, channel, and medium of dissemination used in advertising, the information must be easily legible or clearly audible, as appropriate, for which purpose it must be presented, in particular:
a) With characters of size not less than the minimum value defined in the Annex to this Notice; b) Using a chromatic option, orientation, or font type that allows adequate reading; c) For a sufficient period to allow adequate reading and listening.

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Article 4.
Principle of Balance
1 – Advertising must ensure similar prominence between the highlighted characteristics and benefits and the informational elements provided in this Notice.
2 – For the purposes of the provisions of the previous number, whenever the presentation of informational elements with similar prominence to the highlighted characteristics and benefits is required, account must be taken, in particular, of the distance or time gap between the informational elements and the highlighted characteristics and benefits, as well as the relative size, chromatic option, and font type of the characters, as established in the Annex to this Notice. 3 – In advertising disseminated through audiovisual media, the informational elements requiring similar prominence in accordance with this Notice must be presented in the same component of the message, visual or audio, in which the characteristics and benefits are highlighted.
Article 5.
Identification and Other Mandatory Mentions
1 – The institution responsible for the dissemination or authorization of advertising must be identified unequivocally, by presenting its trade name or corporate name and its registration number with the Bank of Portugal. 2 – In advertising disseminated by a credit intermediary, the identification of this must be unequivocal, through the presentation of its name, in the case of an individual, or its trade name or corporate name, in the case of a legal entity, the indication that it acts as a credit intermediary, and its registration number with the Bank of Portugal. 3 – Advertising that includes reference to a brand must present the mention “[brand] is a brand held by [institution / credit intermediary]” or equivalent.
Article 6.
Dissemination of Accounting and Prudential Information, Awards, and Other Distinctions 1 – The dissemination of accounting information in advertising messages may only use audited accounting data that has been previously disseminated, with express indication of the period to which it refers. 2 – The dissemination of prudential information in advertising messages may only use data previously validated by external auditors, with express indication of the period to which it refers. 3 – The dissemination of awards attributed by third parties must be accompanied, with similar prominence, by informational elements that allow the context of their attribution to be understood, in particular the identification of the entity responsible for attributing the award and the details that characterize it, namely the category and the period to which it relates. 4 – The dissemination of awards attributed by third parties must also be accompanied by the expression “Award(s) solely the responsibility of the entity/entities that attributed it/them”. 5 – The provisions of paragraphs 3 and 4 of this article apply, with due adaptations, to the dissemination of any other type of distinction, namely those resulting from studies or market research.
Article 7.
Advertising Disseminated by Third Parties
Without prejudice to the provisions of paragraph 4 of Article 57 of the Legal Regime establishing the requirements for access and exercise of the activity of credit intermediary and the provision of consulting services, approved by Decree-Law No. 81-C/2017 of July 7, institutions must ensure that advertising disseminated by third parties complies with the provisions of this Notice.
Chapter II
Advertising for Financial Products and Services
Section I
General Provisions
Article 8.
Scope and Concept of Advertising for Financial Products and Services 1 – This Chapter establishes the rules governing advertising for financial products and services.
2 – Advertising for financial products and services is understood as any form of communication made by institutions and credit intermediaries, with the direct or indirect objective of promoting:
a) A financial product or service identified through at least one specific characteristic;

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Mod. 99999910/T – 01/14 b) A typology of financial products or services, when this advertising includes references to price elements of the typology of financial products or services, namely interest rates, spread, installment amount, commissions, or any benefits associated with the promotional campaign.
Article 9.
Transparency in Advertising for Financial Products and Services 1 – Advertising for financial products and services must contain, in a non-concealed manner, the information necessary for a correct assessment of the highlighted characteristics or benefits. 2 – For the purposes of the provisions of the previous number, necessary information includes, in particular, that relating to:
a) Access conditions, namely the need to acquire other products or services, the need to pay an initial amount, a minimum amount for opening an account or for making a deposit, exclusivity for new customers, loyalty for a minimum period, or other criteria necessary to access the highlighted characteristics or benefits; b) Restrictions, namely the existence of limits to the announced benefits, the requirement of a final installment of higher amount, the existence of a maximum amount for making a deposit, or other aspects that limit the client's participation in the highlighted characteristics or benefits. 3 – The access conditions and restrictions referred to in the previous number must be presented with similar prominence to the highlighted characteristics and benefits. 4 – It is considered that advertising does not comply with the provisions of paragraph 1, in particular:
a) When the nature or purpose of the advertised financial product or service is not clear; b) When, in advertising for promotional conditions, the omission or concealment of their validity period occurs; c) When the acquisition of the advertised financial product or service allows the client to access additional products, services, or benefits and there is an omission or concealment of:
i) Commissions or other charges associated with these additional products, services, or benefits; ii) Circumstances that oblige the client to return these additional products or benefits or to compensate the institution, namely upon termination of a contract before a clearly identified minimum retention period.
Article 10.
Restricted Use Expressions
In advertising for financial products and services, the following expressions may only be used in the following situations:
a) “Interest-free”, “0% interest”, or equivalent expression, when no interest payment is required from the client, without prejudice to the indication, with similar prominence, of any applicable commissions not reflected in the total cost of credit measure(s); b) “No cost”, “free”, or equivalent expression, when no interest, commissions, or other charges are required from the client; c) “Offer”, “gift”, or equivalent expression, when there are no conditions or circumstances that oblige the client to return or compensate for the said “offer” or “gift”; d) “We return (part of) your money” or equivalent expression, when the institution returns in full or in part the amounts paid by the client; e) “We pay” or equivalent expression, when the institution bears the costs in full or when these are partially borne, provided that the portion borne by the institution is indicated with similar prominence; f) “Lowest in the market”, “highest in the market”, “best in the market”, or equivalent expression, when followed, with similar prominence, by the particular conditions supporting the statement.

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Section II
Specific Provisions Relating to Products or Services
Article 11.
Mortgage and Home Credit
1 – In advertising for credit products regulated by Decree-Law No. 74-A/2017 of June 23, whenever their designation or commercial image, financial characteristics, or benefits are indicated, without prejudice to the provisions of Article 10 of the aforementioned Decree-Law, institutions must indicate:
a) The Annual Percentage Rate of Charge (APRC), calculated in accordance with Article 15 of Decree-Law No. 74-A/2017 of June 23, with similar prominence to the designation or commercial image of the product or to the highlighted financial characteristics or benefits; b) A representative example that includes the elements listed in letters c) to i) of paragraph 5 of Article 10 of Decree-Law No. 74-A/2017 of June 23, the value of the index and spread of the interest rate, if applicable, and also, if it exists, the grace period or the percentage of deferred capital; c) A representative example, as defined in the previous letter, if the advertising also includes an APRC related to credit with associated optional sales. 2 – The APRCs indicated in letters a) and c) of the previous number must be calculated without the effect of financing charges, namely those resulting from commissions, taxes, and other costs associated with the credit product. 3 – The index referred to in letter b) of paragraph 1 must be calculated, at least, at the beginning of the dissemination of the advertising and whenever it is resumed, after interruption, in accordance with Article 21 of Decree-Law No. 74-A/2017 of June 23, with indication of the month to which it refers. 4 – Without prejudice to the provisions of paragraph 1, advertising that announces an installment related to a credit product regulated by Decree-Law No. 74-A/2017 of June 23 must also indicate, with similar prominence:
a) The repayment term associated with the said installment; b) The financing amount corresponding to the announced installment; c) The total credit term, in the case of differentiated installments, associated with different terms. 5 – Advertising that announces an installment related to a credit product for a reference period different from its regular payment period or as a percentage of the financed amount must present with similar prominence the installment associated with the credit product.
Article 12.
Consumer Credit
1 – In advertising for consumer credit products, namely those regulated by Decree-Law No. 133/2009 of June 2, whenever their designation or commercial image, financial characteristics, or benefits are indicated, without prejudice to the provisions of Article 5 of the aforementioned Decree-Law, institutions must indicate:
a) The APRC, calculated in accordance with Article 24 of Decree-Law No. 133/2009 of June 2, with similar prominence to the designation or commercial image of the product or to the highlighted financial characteristics or benefits; b) A representative example that includes, in addition to the provisions of paragraph 5 of Article 5 of Decree-Law No. 133/2009 of June 2, the value of the index and spread of the interest rate, if applicable, and also, if it exists, the grace period or the percentage of deferred capital; c) A representative example, as defined in the previous letter, if the advertising also includes an APRC related to credit with associated optional sales. 2 – In the case of advertising for the use of revolving credit products directed at clients who have already contracted this credit product, the APRC referred to in letter a) of the previous number must correspond to the APRC contracted with these clients. 3 – The APRCs relating to letters a) and c) of paragraph 1 must be calculated without the effect of financing charges, namely those resulting from commissions, taxes, and other costs associated with the credit product. 4 – The index referred to in letter b) of paragraph 1 must be calculated, at least, at the beginning of the dissemination of the advertising and whenever it is resumed, after interruption, in accordance with Article 21 of Decree-Law No. 74-A/2017 of June 23, applicable by virtue of the provisions of paragraph 5 of Article 12 of Decree-Law No. 133/2009 of June 2.

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5 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
6 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
7 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
8 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
9 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
10 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
11 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
12 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
13 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
14 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
15 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
16 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
17 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
18 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
19 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
20 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
21 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
22 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
23 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
24 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
25 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
26 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
27 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
28 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
29 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
30 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
31 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
32 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
33 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
34 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
35 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
36 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
37 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
38 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
39 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
40 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
41 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
42 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
43 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
44 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
45 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
46 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
47 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
48 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
49 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
50 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
51 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
52 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
53 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
54 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
55 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
56 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
57 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
58 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
59 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
60 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
61 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
62 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
63 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
64 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
65 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
66 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
67 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
68 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
69 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
70 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
71 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
72 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
73 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
74 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
75 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
76 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
77 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
78 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
79 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
80 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
81 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
82 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
83 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
84 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
85 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
86 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
87 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
88 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
89 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
90 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
91 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
92 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
93 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
94 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
95 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
96 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
97 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
98 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
99 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.
100 – The advertising must also indicate, with similar prominence, the total amount to be paid by the client, the total amount of credit, and the duration of the credit contract.