Če za kreditne posle, navedene v tej direktivi, veljajo določbe nacionalnega prava, ki veljajo 1. marca 1990 in določajo maksimalni limit za letni odstotek obresti takih poslov, in če take določbe dovoljujejo, da standardnih stroškov, ki niso tisti iz odstavkov 2(i) do (v), ni treba vključiti v ta maksimalni limit, državam članicam izključno v zvezi s temi posli ni treba v izračun letnega odstotka obresti, kakor je določeno v tej direktivi, vključiti zgoraj navedenih stroškov, če se v primerih iz člena 3 in v kreditni pogodbi zahteva, da je potrošnik obveščen o znesku in njegovi vključitvi v odplačila kredita.
Where credit transactions referred to in this Directive are subject to the provisions of national laws in force on 1 March 1990 which impose maximum limits on the annual percentage rate of charge for such transactions and, where such provisions permit standard costs other than those described in paragraph 2 (i) to (v) not to be included in those maximum limits, Member States may, solely in respect of such transactions, not include the aforementioned costs when calculating the annual percentage rate of charge, as stipulated in this Directive, provided that there is a requirement, in the cases mentioned in Article 3 and in the credit agreement, that the consumer be informed of the amount and inclusion thereof in the payments to be made.