(1) This regulation applies to an agreement (other than an authorised non-business overdraft agreement) made by way of a voice telephone communication (whether or not it is a distance contract).
(2) Where the agreement is a distance contract and where the debtor explicitly consents, the creditor must disclose the following information before the agreement is made -
(a) the identity of the person in contact with the debtor and that person's link with the creditor,
(b) a description of the main characteristics of the credit agreement which includes the information set out in regulation 3(4)(c), (d), (e), (f), (g), (h), (i), (j) and (w),
(c) the total price to be paid by the debtor to the creditor for the credit including all taxes paid via the creditor or, if an exact price cannot be indicated, the basis for the calculation of the price enabling the debtor to verify it,
(d) notice of the possibility that other taxes or costs may exist that are not paid via the creditor or imposed by the
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