34In that connection it should, however, be borne in mind that, in accordance with Article 14(1) and (2) of Directive 2014/17, the creditor or, as the case may be, the credit intermediary or its designated representative is required to provide the consumer with pre-contractual information through the ESIS in Annex II to that directive. That sheet provides for a breakdown of the charges payable by the consumer on the basis of whether they are regular payments.
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