8.—(1) Subject to paragraph (3), a credit advertisement shall include a clear and concise statement in respect of any obligation to enter into a contract for an ancillary service , where—
(a)the conclusion of that service contract is compulsory in order to obtain the credit or to obtain it on the terms and conditions advertised, and
(b)the cost of that ancillary service cannot be determined in advance.
(2) The statement referred to in paragraph (1) shall—
(a)be no less prominent than any standard information included in the credit advertisement, and
(b)be presented together with any representative APR included in the advertisement.
(3) This regulation does not apply to a credit advertisement relating to an authorised non-business overdraft agreement.