; or (B) for payment amounts that are variable— (i) a full payment schedule or a description of the method used to calculate the amounts and frequency of payments; and (ii) if the term is longer than one month, the estimated average total monthly payment amount. (4) Term For financing other than factoring, the term of the small business financing, either in months or in years, or, if the term is not fixed, the estimated term, calculated using the same assumptions used to calculate the estimated annual percentage rate. (5) Finance charge The finance charge of the small business financing, broken down to show what expenses and fees are included in the finance charge. (6) Prepayment cost or savings In the event that a recipient elects to pay off or refinance the small business financing prior to full repayment, the provider must disclose— (A) whether the recipient would be required to pay any finance charges other than interest accrued since the recipient’s last payment; (B) if the recipient is required to pay the finance charges described under subparagraph (A), the percentage of any unpaid portion of the finance charge and maximum dollar amount the recipient could be required to pay