; and (ii) a prominent notice accompanying the comparison that clearly and conspicuously advises that loan payments may be required regardless of the income of an individual; (H) income verification documentation, including personal tax records submitted to the Internal Revenue Service, that the individual may be required to provide under the Qualified ISA; (I) intent to conduct annual reconciliation relating to obligations owed by the individual under the Qualified ISA; and (J) any nominal payments, as described in subsection (a)(8), required under the Qualified ISA. (2) No other material terms The Qualified ISA disclosures required by paragraph (1) shall be provided in a clear and conspicuous manner, and shall not be disclosed together with any other material terms or conditions that may be applicable to the Qualified ISA. (c) Non-Interference A Qualified ISA represents an obligation by the individual to pay the specific percentage of future income, but shall not be construed to give the contract holder any rights over an individual’s actions other than as provided in this Act. (d) Effect of failure To provide documentation (1) In general Absent income documentation from an individual under a Qualified ISA, the ISA funder of such Qualified ISA (or the funder’s successor in interest) may assume a certain monthly income level for the individual, up to the greater of— (A) the level that would create an obligation that is approximately equal to the amount required to return the initial Qualified ISA amount to the ISA funder over the remaining required payments