The total sum includes the loan plus the total fees associated with the loan (all fees including interest, commission fees, taxes and other known fees linked with the loan agreement, such as a collateral valuation, collateral-property insurance and others). The total amount to be paid by the customer (consumer) is calculated on the day the agreement is signed, in accordance with Cabinet Regulation No. 691, Regulations Regarding Consumer Credit, adopted 25.10.2016.