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BGB 491. 3 In addition , the following do not apply : section 358 ( 2 ) , ( 4 ) and ( 5 ) and sections 492 to 495 to consumer loan contracts incorporated in a court record drawn up in compliance with the provisions of the Code of Civil Procedure [ Zivilprozessordnung ] or notarially recorded , if the record or the notarial instrument contains the annual rate of interest , the costs invoiced when the contract was entered into , and the conditions under which the annual rate of interest or the costs may be changed ; section 358 ( 2 ) , ( 4 ) and ( 5 ) and section 359 to consumer loan contracts serving the purpose of financing the purchase of securities , foreign currency , derivatives or precious metals .