No.l2 2015 (i) the amounts outstanding, as principal and interest, at the beginning and at the end of the six-month period; and (ii) the payments received, as principal and interest, during the six-month period; and (iii) the annual rate of interest applicable during the sixmonth period; and (iv) such other particulars as may be prescribed or as the Registrar may specify in a direction referred to in section 81(2)(d). (3) Where a banking institution issues a credit or debit card to a person, it shall disclose to him or her, in writing(a) his or her rights and obligations in respect of(i) the credit limit authorised under the card and the amount of indebtedness outstanding at any time; and (ii) the period for which each statement is issued; and (iii) any charges and interest costs for which the person becomes responsible by accepting and using the card; and (iv) the minimum amount in respect of the balance outstanding that must be paid at the end of each statement period; and (v) the maximum amount of the cardholder's liability for unauthorised use of the card if it is lost or stolen; and (b) the cost of borrowing in respect of any loan obtained through the use of the card, the exchange rate applied and the manner in which it is calculated and, in the event that the required instalment is not paid on due date, particulars of the charges and penalties to be paid by the cardholder; and (c) the amount of any fee or charge for ·which the cardholder is responsible for accepting or using the card and the manner in which the fee or charge is calculated; and (d) such other particulars as may be prescribed or as the Registrar may specify in a direction refened to in section 81(2)(d). (4) Before changing any of the matters referred to in subsection ( 1), (2) or (3 ), a banking institution shall give the account-holder, bonower or cardholder, as the case may be, at least thirty days' written notice of the change. (5) After changing any of the matters referred to in subsection ( 1), (2) or (3), a banking institution shall give the account holder, borrower or card holder w1itten notice of the changes within fourteen days. (6) No banking institution shall impose any fee or other charge for the information it is required to provide to a user of its services under subsection (1), (2), (3) or (4). 234