(b) if the agreement is entered into by telephone, the institution must provide the oral disclosure referred to in section 3 before entering into the agreement and must provide the written disclosure referred to in that section before, or without delay after, entering into the agreement.
b) si l’accord est conclu par téléphone, elle effectue, avant la conclusion de l’accord, la communication orale visée à l’article 3 et, avant la conclusion de l’accord ou sans délai après, la communication écrite visée à cet article.