45Having regard to all of the foregoing considerations, the answer to the first and second questions is that Article 10(1) and (2) of Directive 2008/48, read in conjunction with Article 3(m) of that directive, must be interpreted as meaning that:— a credit agreement need not necessarily be drawn up in a single document, but all the information referred to in Article 10(2) of the directive must be set out on paper or on another durable medium;— it does not preclude a Member State from providing in its national legislation, first, that a credit agreement falling within the scope of Directive 2008/48 which is drawn up on paper must be signed by the parties and, second, that the requirement that the agreement be signed applies to all the details of the agreement referred to in Article 10(2) of that directive.
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