(3) A full and detailed description
of the services to be performed by the credit services organization for the buyer, including all guarantees and all promises
of full or
partial refunds, and the estimated date by which the services are to be performed, or the estimated length
of time for performing the services not to exceed six months or a shorter period consistent with the
purposes of this
title as may be prescribed by the Department
of Justice.
·
Partial titles may not be included in the 5 -2-2-2 requirement, but may be used in addition to the earned 5 -2-2-2 combination for the
purpose of meeting the conformation requirement.