| Triggering Term | Additional Items |
|---|---|
| The number of payments or period of repayment (i.e. “360 monthly payments,” “15-, 20-, and 30-year mortgages”) → | The terms of repayment, which reflect the repayment obligations over the full term of the loan, including any balloon payment. |
| The amount of any payment (i.e. “average monthly payment of $1500”) → | The terms of repayment, which reflect the repayment obligations over the full term of the loan, including any balloon payment. |
| The amount of any finance charge (i.e. “3% fixed rate”) → | The “annual percentage rate,” using that term, and, if the rate may be increased after consummation, that fact. |