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il contratto stipulato in violazione delle disposizioni di cui al paragrafo 1 è considerato privo di effetto.
the conclusion of a contract in breach of the provisions referred to in paragraph 1 shall be considered ineffective.
queste statistiche si riferiscono a tassi di interesse medi sui contratti stipulati in tutti i periodi precedenti a quello della segnalazione.
these statistics refer to the average interest rates on all business that was agreed in the past.