{"id":20040,"date":"2024-08-08T13:00:27","date_gmt":"2024-08-08T13:00:27","guid":{"rendered":"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/?page_id=20040"},"modified":"2026-06-08T09:48:22","modified_gmt":"2026-06-08T09:48:22","slug":"2-3-representative-example","status":"publish","type":"page","link":"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-3-representative-example\/","title":{"rendered":"2.3 Representative Example"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20040\" class=\"elementor elementor-20040\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6599467 e-flex e-con-boxed e-con e-parent\" data-id=\"6599467\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-64fb3fd e-con-full e-flex e-con e-child\" data-id=\"64fb3fd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc03e8a elementor-widget elementor-widget-heading\" data-id=\"dc03e8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Representative example<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-389b042 e-con-full e-flex e-con e-child\" data-id=\"389b042\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfcaf75 e-flex e-con-boxed e-con e-parent\" data-id=\"bfcaf75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6a9ccda e-con-full e-flex e-con e-child\" data-id=\"6a9ccda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-021ea22 elementor-widget elementor-widget-heading\" data-id=\"021ea22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a representative example?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e27f2c7 elementor-widget elementor-widget-text-editor\" data-id=\"e27f2c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThis shows consumers the typical costs associated with a product being advertised. From this, they can work out whether it is affordable or suitable for them.\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f2f48e e-con-full e-flex e-con e-child\" data-id=\"8f2f48e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d588f0e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d588f0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i class=\"spectre-lucide-info spectre-icon--style-outline\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <circle cx=\"12\" cy=\"12\" r=\"10\"\/> <path d=\"M12 16v-4\"\/> <path d=\"M12 8h.01\"\/> <\/svg><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a243b50 elementor-widget elementor-widget-text-editor\" data-id=\"a243b50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t(1) CONC 3.5.5R states clear rules that it must include certain information:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf868cf elementor-hidden-phone e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"cf868cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0318b97 elementor-widget elementor-widget-heading\" data-id=\"0318b97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Promotions Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1a2d07 elementor-widget elementor-widget-text-editor\" data-id=\"f1a2d07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/\">Home<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2296bbd elementor-widget elementor-widget-text-editor\" data-id=\"2296bbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/1-0-about-evolution-funding\/\">1.0 | About Evolution Funding<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86e726d elementor-widget elementor-widget-text-editor\" data-id=\"86e726d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-0-what-is-a-financial-promotion\/\">2.0 | What is a financial promotion?<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc1c173 elementor-widget elementor-widget-text-editor\" data-id=\"bc1c173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-1-consumer-duty-consumer-understanding\/\">2.1 | Consumer understanding<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9346a03 elementor-widget elementor-widget-text-editor\" data-id=\"9346a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-2-representative-apr\/\">2.2 | Representative APR<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-283398e elementor-widget elementor-widget-text-editor\" data-id=\"283398e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-3-representative-example\/\">2.3 | Representative example<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06e502f elementor-widget elementor-widget-text-editor\" data-id=\"06e502f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-4-prominence\/\">2.4 | Prominence<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34d6d6b elementor-widget elementor-widget-text-editor\" data-id=\"34d6d6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/\">2.5 | Regulatory disclosures<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bdde71 e-flex e-con-boxed e-con e-parent\" data-id=\"6bdde71\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-735a14a e-con-full e-flex e-con e-child\" data-id=\"735a14a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f8f117d e-con-full e-flex e-con e-child\" data-id=\"f8f117d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-abb2f95 e-con-full e-flex e-con e-child\" data-id=\"abb2f95\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9b5b85 elementor-widget elementor-widget-text-editor\" data-id=\"c9b5b85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>A:<\/strong> The rate of interest \u2013 whether it is fixed, or variable, or both. It needs to be expressed as a fixed or variable percentage, applied on an annual basis to the amount of credit drawn down;<\/p><p><strong>B:<\/strong> The nature and amount of any other charge included in the total charge for credit;<\/p><p><strong>C:<\/strong> The total amount of credit;<\/p><p><strong>D:<\/strong> The representative APR;<\/p><p><strong>E:<\/strong> If the credit is in the form of a deferred payment for specific goods, services, land or other things, the cash price and the amount of any advance payment;<\/p><p><strong>F:<\/strong> The duration of the agreement;<\/p><p><strong>G:<\/strong> The total amount payable;<\/p><p><strong>H:<\/strong> The amount of each repayment of credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a2c199 e-con-full e-flex e-con e-child\" data-id=\"6a2c199\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-166faac elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"166faac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i class=\"spectre-lucide-info spectre-icon--style-outline\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <circle cx=\"12\" cy=\"12\" r=\"10\"\/> <path d=\"M12 16v-4\"\/> <path d=\"M12 8h.01\"\/> <\/svg><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e9c250 elementor-widget elementor-widget-text-editor\" data-id=\"2e9c250\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t(2) The information needed in (1) must be what we accurately think at the time of promotion to be representative, and that these representative figures are expected to be entered into as a result of the promotion.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20610b7 elementor-widget elementor-widget-text-editor\" data-id=\"20610b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>For example<\/strong>\u00a0\u2013 if your average balance to finance is \u00a38,000, your representative example should not be for a \u00a325,000 balance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3718608 e-con-full e-flex e-con e-child\" data-id=\"3718608\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56e4094 elementor-widget elementor-widget-image\" data-id=\"56e4094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"777\" height=\"1024\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/Landrover-Advert-min-777x1024.png\" class=\"attachment-large size-large wp-image-20043\" alt=\"Example of how to use a compliant representative example in financial promotions\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/Landrover-Advert-min-777x1024.png 777w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/Landrover-Advert-min-228x300.png 228w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/Landrover-Advert-min-768x1012.png 768w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/Landrover-Advert-min.png 801w\" sizes=\"(max-width: 777px) 100vw, 777px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae7b568 e-flex e-con-boxed e-con e-parent\" data-id=\"ae7b568\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-786fc6e e-con-full e-flex e-con e-child\" data-id=\"786fc6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-75d8e0c e-con-full e-flex e-con e-child\" data-id=\"75d8e0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0d5b381 e-con-full e-flex e-con e-child\" data-id=\"0d5b381\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0da0f1f elementor-widget elementor-widget-heading\" data-id=\"0da0f1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nThe representative example must be:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d47c69a elementor-widget elementor-widget-text-editor\" data-id=\"d47c69a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Clear, concise and prominent;<\/li><li>Accompanied by the words \u201crepresentative example\u201d;<\/li><li>Presented in full with equal prominence (e.g. size, colour, position);<\/li><li>Given no less prominence than any information about the cost of credit, or any incentives in the promotion.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9662552 e-con-full e-flex e-con e-child\" data-id=\"9662552\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1325790 elementor-widget elementor-widget-heading\" data-id=\"1325790\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When must a representative example be shown?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cd8d6c elementor-widget elementor-widget-text-editor\" data-id=\"2cd8d6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIf your financial promotion shows a rate of interest, e.g. 9.9% APR, or an amount relating to the cost of credit, e.g. \u00a3325 per month, with the exception of the representative APR, a full representative example must be shown within your promotion.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a438a1e elementor-widget elementor-widget-text-editor\" data-id=\"a438a1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThese are called \u2018triggers\u2019, for example:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c284246 elementor-widget elementor-widget-text-editor\" data-id=\"c284246\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Buy now from as low as 6.9% APR<\/li><li>Buy now from just \u00a3199 per month<\/li><li>Interest-free for 6 months<\/li><li>Finance from 3.5% PAF<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d866e85 e-flex e-con-boxed e-con e-parent\" data-id=\"d866e85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7308deb elementor-widget elementor-widget-menu-anchor\" data-id=\"7308deb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"CanIshowotherfinanceexampleswithinthepromotion\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7da9a2 e-flex e-con-boxed e-con e-parent\" data-id=\"f7da9a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b32a50b e-con-full e-flex e-con e-child\" data-id=\"b32a50b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b33628e e-con-full e-flex e-con e-child\" data-id=\"b33628e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bc8cbe7 e-con-full e-flex e-con e-child\" data-id=\"bc8cbe7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fade2e elementor-widget elementor-widget-image\" data-id=\"3fade2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"779\" height=\"1024\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2026\/05\/Ipad-FPG-779x1024.webp\" class=\"attachment-large size-large wp-image-31241\" alt=\"An example of how to use other examples of finance in a financial promotion\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2026\/05\/Ipad-FPG-779x1024.webp 779w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2026\/05\/Ipad-FPG-228x300.webp 228w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2026\/05\/Ipad-FPG-768x1010.webp 768w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2026\/05\/Ipad-FPG.webp 800w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-198f8b7 e-con-full e-flex e-con e-child\" data-id=\"198f8b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e255a3 elementor-widget elementor-widget-heading\" data-id=\"1e255a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I show other finance examples within the promotion?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7be9665 elementor-widget elementor-widget-text-editor\" data-id=\"7be9665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can include other finance examples, but these must be less prominent than the representative example, and clear that they are for illustrative purposes only.<\/p><p><strong>To include another example, you need to make sure:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2997c38 elementor-widget elementor-widget-text-editor\" data-id=\"2997c38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>There is only one representative example;<\/li><li>The representative example is more prominent than the other finance examples;<\/li><li>All other finance examples are labelled differently, e.g. \u201cHP finance example\u201d, \u201cPCP finance example\u201d<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22dc140 elementor-widget elementor-widget-text-editor\" data-id=\"22dc140\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<strong>The finance examples include at least:<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1097eda elementor-widget elementor-widget-text-editor\" data-id=\"1097eda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Number and amount of monthly payments;<\/li><li>Deposit;<\/li><li>Optional final payment;<\/li><li>Term of agreement, which needs to be shown in the terms and conditions;<\/li><li>If it\u2019s a PCP &#8211; contract mileage and excess mileage charges also needs to be in the terms and conditions.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b269bf6 e-flex e-con-boxed e-con e-parent\" data-id=\"b269bf6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9a4f6e4 e-con-full e-flex e-con e-child\" data-id=\"9a4f6e4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-07fa724 e-con-full e-flex e-con e-child\" data-id=\"07fa724\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-595b6bc elementor-widget elementor-widget-heading\" data-id=\"595b6bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Next \/\/ Prominence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-563ecdf e-con-full e-flex e-con e-child\" data-id=\"563ecdf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0241e02 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"0241e02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-4-prominence\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Continue<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Representative example What is a representative example? This shows consumers the typical costs associated with a product being advertised. From this, they can work out whether it is affordable or suitable for them. (1) CONC 3.5.5R states clear rules that it must include certain information: Financial Promotions Guide Home1.0 | About Evolution Funding2.0 | What [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":25409,"parent":19892,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-20040","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.3 Representative Example | Financial Promotions Guide<\/title>\n<meta name=\"description\" content=\"Learn what a representative example must include, when it is required and how to present finance information clearly and compliantly.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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