a creditor as defined in point (b) of Article 3 of Directive 2008/48/EC for the purposes of credit agreements as defined in point (c) of Article 3 of that Directive;
creidiúnaí mar a shainmhínítear i bpointe (b) d'Airteagal 3 de Threoir 2008/48/CE chun críocha na gcomhaontuithe creidmheasa mar a shainmhínítear i bpointe (c) d'Airteagal 3 den Treoir sin;