| 4. A schedule of payments may require a final payment not |
| substantially equal to all other periodic payments if the |
| transaction is made for a term of not less than 4 years and if |
| the contract evidencing the consumer credit transaction gives the |
| consumer the right to refinance the amount of the final payment |
| in order to fully amortize the obligation on terms then generally |
| offered by the creditor, if the consumer satisfies reasonable |
| credit standards and if the property satisfies reasonable loan to |
| value standards. The administrator shall examine the |
| reasonableness of standards during regular examinations and upon |
| consumer complaint. At least 60 days but not more than 180 days |
| prior to the maturity of the loan, the creditor must notify the |
| consumer in writing of the maturity date and the amount due on |
| the maturity date.__The 4-year limitation does not apply to the |
| sale or lease of a motor vehicle; and |
