; (2) subject to the affirmative consent of the customer; (3) fully enforceable as a matter of State commercial law, including the Uniform Commercial Code; (4) accompanied by full disclosures of applicable terms and risks, yield, and the manner in which the yield is calculated; (5) accompanied by appropriate disclosures relating to collateral requirements and policies, including— (A) possible reductions in value and overcollateralization requirements with respect to a crypto asset; (B) collateral the intermediary accepts when calling for additional collateral from a customer, including collateral substitution; (C) whether customer collateral is commingled with the collateral of other customers or of the intermediary; and (D) how customer collateral is invested and whether the yield belongs to the customer or to the intermediary; (6) accompanied by disclosures of mark-to-market and monitoring arrangements, including— (A) the frequency of mark-to-market monitoring and how frequently the intermediary will call for additional collateral from a customer; (B) the time period in which the customer must supply additional collateral to the intermediary after a collateral call is conducted consistent with subparagraph (A); (C) whether the intermediary permits failures to deliver customer crypto assets or other collateral; and (D) in the event of a failure to deliver, the period of time in which the failure must be cured