(1) A credit agreement  entered into on or after 21st March 2016 is not an exempt agreement pursuant to article 60E(2) or (5) or 60F(4) if it is a mortgage agreement to which paragraph (2) does not apply.

(2) This paragraph applies to an agreement if -

(a) [deleted]

(b) the agreement is a bridging loan within the meaning given by article 60G(9); or

(c) the agreement is a restricted public loan in respect of which -

(i) the borrower receives timely information on the main features, risks and costs at the pre-contractual stage; and

(ii) any advertising is fair, clear and not misleading.

(3) In paragraph (2)(c) "restricted public loan" means a credit agreement that is -

(a) offered to a particular class of borrower and not offered to the public generally;

(b) offered under an enactment with a general interest purpose; and