45Article 10 of that directive lists the information that must be specified in a clear and concise manner in the agreement. The Court has already held that Article 10(2) of that directive provides for full harmonisation as regards the information which must imperatively be included in a credit agreement (judgment of 5 September 2019, Pohotovosť, C‑331/18, EU:C:2019:665, paragraph 50).
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