44(4)A credit card issuer does not contravene subsection (3) by reason only of failing to disclose the information referred to in paragraphs (1)(
a) to (
e) if, in the communication, the credit card issuer discloses a telephone number that the individual may call during the credit card issuer’s normal business hours, without incurring any charges for the call, to obtain the information referred to in paragraphs (1)(
a) to (
e), and the credit card issuer ensures that