3. The offer shall include the maximum amount of fees or charges that the consumer must pay to another person, whether or not a credit agreement or credit agreement is concluded. · the amount necessary for payment of the credit agreement or the amount due under the guarantee. Form 7A – Disclosure of Credit Agreements (Reverse Mortgages) 167 (a) is a lessor with respect to consumer leasing; and 2. Sub-regulation (3) applies to commissions calculated on the difference between the interest rate charged to the credit servicer by the creditor or lessor and the interest rate to be paid by the consumer. 1 How do I get details about my proposed credit agreement? 60 Credit under the Aged Care Act 1997 – Exempting the creditor from certain provisions of Code A from providing “appropriate explanations” of the credit offered to the consumer (art.