(1) This regulation applies to an agreement which is an authorised non-business overdraft agreement.
(2) In good time before an authorised non-business overdraft agreement is made, the creditor must disclose to the debtor, the information in paragraph (3) in the manner set out in regulation 11.
(3) The information referred to in paragraph (2) is as follows -
(a) the type of credit,
(b) the identity and geographical address of the creditor and, where applicable, of the credit intermediary,
(c) the total amount of credit,
(d) the duration of the agreement,
(e) the rate of interest charged, any conditions applicable to that rate, any reference rate on which that rate is based and any information on any changes to the rate of interest (including the periods that the rate applies, and any conditions or procedure applicable to changing the rate),
(f) where different rates of interest are charged in different circumstances the creditor must provide the information in paragraph (e) in respect
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