; (B) include provision for acceleration of repayment of the whole, or any part, of such loan, at the option of the student borrower; (C) provide the loan without security and without endorsement; (D) provide that the liability to repay the loan shall be canceled upon the death of the student borrower, or if the student borrower becomes permanently and totally disabled, as determined in accordance with regulations to be issued by the Secretary; (E) contain a notice of the system of disclosure of information concerning default on such loan to credit bureau organizations; and (F) include provisions for deferral of repayment, as determined by the Secretary. (2) Rate of interest A student borrower who receives a loan under the program shall be obligated to repay the loan amount to the Secretary, together with interest beginning in the period referred to in paragraph (1)(A), at a rate of interest determined by the Secretary, in consultation with the Secretary of Education, in accordance with section 455 of the Higher Education Act of 1965 ( 20 U.S.C. 1087e ). (3) Disclosure required prior to disbursement (A) In general The Secretary shall at or prior to the time the Secretary makes a loan to a student borrower under the program, provide thorough and adequate loan information on such loan to the student borrower. The disclosures required by this paragraph may be made as part of the written application material provided to the student borrower, as part of the promissory note evidencing the loan, or on a separate written form provided to the student borrower. (B) Contents The disclosures shall include— (i) the address to which communications and payments should be sent; (ii) the principal amount of the loan; (iii) the amount of any charges collected at or prior to the disbursal of the loan and whether such charges are to be deducted from the proceeds of the loan or paid separately by the student borrower; (iv) the stated interest rate on the loan; (v) the yearly and cumulative maximum amounts that may be borrowed