(b)

shall include modification of the existing terms and conditions of a credit agreement, which may, among other possibilities include: extending the term of the credit agreement; changing the type of the credit agreement; deferring payment of all or part of the repayment of instalments for a period; reducing the borrowing rate; offering a payment holiday; partial repayments; currency conversions; partial forgiveness and debt consolidation.

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Source: EUR-Lex CELLAR · retrieved 2026-07-30 · Text as adopted (Official Journal); later amendments are not incorporated in this text.