(1) A credit agreementĀ 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 appliesĀ 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
(c) provided on terms which are more favourable to the borrower than those prevailing on the market, because it meets one of the following conditions -
(i) it is inter
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