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2. For the purposes of paragraph 5 of Schedule 3 to the Act, the appointed day shall be 31st July 1989 in the case of any consumer credit business which is carried on by an individual and in the course of which only the following regulated consumer credit agreements (excluding agreements made before that date) are made, namely–
(a)agreements for fixed-sum credit not exceeding £30, and
(b)agreements for running-account credit where the credit limit does not exceed that amount.