46As regards the second part of the fourth question, it must be observed that it is clear from Article 5(1) of Directive 2008/48 that the duties to provide information laid down in Article 5 of that directive are pre-contractual in nature. Accordingly, they may not be fulfilled at the stage of concluding the credit agreement, but must be fulfilled in good time by giving to the consumer the explanations referred to in Article 5(6) of that directive before the agreement is signed.
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