Indicate the most accurate statement: a. Section 8(2) of the National Credit Act 34 of 2005 provides that an agreement constitutes a credit agreement if it is, inter alia, a credit transaction. b. Section 8(3) of the National Credit Act 34 of 2005 provides that an agreement constitutes a credit agreement if it is, inter alia, a credit transaction. c. Section 8(4) of the National Credit Act 34 of 2005 provides that an agreement constitutes a credit agreement if it is, inter alia, a credit transaction. d. Section 8(1) of the National Credit Act 34 of 2005 provides that an agreement constitutes a credit agreement if it is, inter alia, a credit transaction