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The final adoption of the Directive on copyright and related rights in the information society could be achieved by the beginning of 2001 [43]. Following a cross-border credit transfer, institutions must provide information consisting of a reference allowing the customer to identify the transfer, the actual (initial) amount of the transfer, the amount of fees or commissions to be paid by the customer and the valuation date applied by the institution. In the case of cross-border transfers with the specified specifications, the institution must either, at the request of the customer, make a commitment as to the time required to make the transfer and the commission fees and charges, or refrain from making the transfer (Article 5). In accordance with Article 12 of Directive 86/653/EEC on self-employed commercial agents, a list of the commission due must be given to a commercial agent, including the elements used for the calculation. Before proceeding with a cross-border credit transfer, institutions must provide general information on the execution of such a credit transfer. In particular, the execution time, the method of calculating any commissions and fees that the client must pay to the institution, the valuation date applied by the institution, the details of the appeal and appeal procedures, the reference exchange rates used. . . .