The lender may not, in return for accepting as collateral an insurance contract other than the insurance contract it offers, including in the event of exercise of the right of cancellation pursuant to the first paragraph of Article L. 113-12-2 of the Insurance Code or the third paragraph of Article L. 221-10 of the Code de la mutualité nor change the rate, whether fixed, variable or revisable, or the terms and conditions of the credit, including the repayment schedule, set out in the offer referred to in Article L. 313-24, nor require the payment of additional costs, including costs relating to the work involved in analysing this other insurance contract.