According to the instructions, Annex V, Part 2, 113 'Loan commitments' shall be firm commitments to provide credit under pre-specified terms and conditions, except those that are derivatives because they can be settled net in cash or by delivering or issuing another financial instrument. The following items of Annex I to CRR shall be classified as 'Loan commitments': (a) 'Forward deposits'; (b) 'Undrawn credit facilities' which comprise agreements to 'lend' or provide 'acceptance facilities' under pre-specified terms and conditions. In comparison Annex V, Part 2, 115g,h stated that 'Other commitments' shall include the following items of Annex I to CRR: (g) 'Note issuance facilities' (NIFs) and 'Revolving underwritings facilities' (RUFs). (h)'Undrawn credit facilities' which comprise agreements to 'lend' or provide 'acceptance facilities' where the terms and conditions are not pre-specified; Definitions given in Annex V do not indicate unambiguously where to put the Undrawn limits of credit cards and overdrafts correctly, when both options seem possible. We would appreciate the clarification within the Instructions.