An advertisement that contains the amount of any payment, including
a down payment in either a percentage or dollar amount, or an advertisement
that contains the number of payments, the period of repayment, or
the amount of any finance charge must include the following:
(1) the amount or percentage of the down payment;
(2) the terms of repayment, from which the number of
months to make repayment and the amount per month can be determined,
including any balloon payment;
(3) the annual percentage rate (APR); and
(4) the amount of the APR, if increased, after consummation
of the credit transaction.
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