Yes, that is what I'm seeking clarification on. :-) I believe that my second example above falls into (i) J. Communications promoting a new open-end plan or closed-end transaction. I hesitate to call it a telephone solicitation since the call was not initiated by us, but it could be.
In the first example, I do not think we are "promoting" the product, merely explaining the terms in a response to an oral inquiry. Nor do I think we are ":soliciting" the product via the telephone since we did not make contact and we are merely fulfilling a request for info from a consumer.
So I think the first example does not require adherence to the advertising requirements, but the second example does. Please correct me if I'm wrong.