| (a) | Chapters 1, 2, 7, 8 and 9; |
| (c) | Chapter 4, Parts A and B; |
| (d) | Chapter 4, Part D, except to the extent that it deals with reckless credit; |
| (e) | Chapter 5, Part C, subject to subsection (3)(a); |
| (f) | Chapter 5, Parts D and E, once the incidental credit agreement is deemed to have been made in terms of subsection (2); and |
| (g) | Chapter 6, Parts A and C. |
| (a) | the supplier of the goods or services that are the subject of that account, first charges a late payment fee or interest in respect of that account; or |
| (b) | a pre-determined higher price for full settlement of the account first becomes applicable, |
unless the consumer has fully paid the settlement value before that date.
| (3) | A person may only charge or recover a fee, charge or interest— |
| (a) | in respect of a deferred amount under an incidental credit agreement as provided for in section 101(d), (f) and (g) subject to any maximum rates of interest or fees imposed in terms of section 105; or |
| (b) | in respect of an unpaid amount contemplated in paragraph (a) of the definition of "incidental credit agreement" only if the credit provider has disclosed, and the consumer has accepted, the amount of such a fee, charge or interest, or the basis on which it may become payable, on or before the date on which the relevant goods or services were supplied. |
