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the Receivables; it is neither an individual nor an entity which benefits from any applicable consumer protection laws or regulations including but not limited to the Consumer Credit Directive (2008/48/EC) of the European Union as may be updated or replaced from time to time or any implementing legislation in any Member State of the European Union; it has received instructions to pay directly all amounts due under the offered Receivables to a Collection Account of the Applicable Seller; it is not a central or local public entity (including a municipality) or a public administration entity; the Assigned Receivables owed by such Debtor which are past due for more than 120 days do not represent more than 5% of the Outstanding Amount of Assigned Receivables owed to such Zebra Entity on the Monthly Cut-Off Date preceding its Purchase Date; it is not a Sanctioned Person; and it fulfils any additional criteria set out in the Local Receivables Purchase Agreement entered into between such 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