; and (B) the total number of nominal payments that may be required shall not exceed the maximum number of allowable payments described in paragraph (4)(A). (9) Protections (A) In general The Qualified ISA specifies, at a minimum, individual rights with respect to each of the following: (i) Default or delinquency. (ii) Overpayment or underpayment. (iii) Disability. (iv) Death. (v) Service as a member of the armed services (including the National Guard and Reserves). (B) Prior ISAs If a Qualified ISA executed prior to the date of enactment of this Act does not meet the requirements in subparagraph (A), the ISA funder shall come into compliance with such subparagraph by issuing, not later than 180 days after the date of enactment of this Act, an addendum to the Qualified ISA that contains the information described in such subparagraph. (b) Required disclosures (1) In general An ISA funder of a Qualified ISA shall provide, to any individual intending to commit under a Qualified ISA to pay future income and before the individual enters into the agreement under the Qualified ISA, a written document that clearly and simply discloses— (A) that the Qualified ISA is not credit or a loan, and that the amount the individual will be required to pay under the Qualified ISA— (i) may be more or less than the amount provided to the individual pursuant to the Qualified ISA; and (ii) will vary in proportion to the individual’s future income; (B) that the obligations of the individual under the Qualified ISA are dischargeable under bankruptcy law; (C) a description of the terms in which the obligations of the individual under the Qualified ISA shall be extinguished in advance of full duration of the agreed-to term; (D) the duration of the individual’s obligations under the Qualified ISA (absent such extinguishment), including any circumstances under which the duration of the Qualified ISA would be extended or extinguished