24. A contract governed by section 22 is exempt from the application of sections 98 and 99 of the Act, provided the merchant gives the consumer a writing indicating the change in the credit charges and credit rate and in the terms and conditions of payment for the remaining term of the contract.
A copy of the writing must be attached to the duly certified contract.
R.R.Q., 1981, c. P-40.1, r. 1, s. 24.