; (ii) the extent to which there is a commitment to participate in the planning process from a diversity of interests (including local governmental, business, environmental, and property owner interests); (iii) the likely benefits of the plan; and (iv) such other factors as the Secretary considers appropriate. (E) Term of the loan (i) In general Except as provided in clauses (ii) and (iii), a loan made under this paragraph shall be for a term of ten years. (ii) Advanced repayments If no conservation plan is developed within three years after the date of the loan, the loan shall be for a term of four years. If no permit is issued under paragraph (1)(B) with respect to the conservation plan within four years after the date of the loan, the loan shall be for a term of five years. (iii) Delay in beginning of term The Secretary shall delay the beginning of the term of a loan as necessary to allow the borrower to obtain any permit under section 10 that is necessary to carry out activities to be conducted with the loan. .