(a) When a rental-purchase agreement is satisfied and replaced by a new rental-purchase agreement between the lessor and consumer, the lessor and consumer shall negotiate a new rental-purchase agreement requiring new disclosures.
(b) The following do not require the negotiation of a new rental-purchase agreement:
(1) The addition or return of rental property under a multiple-item agreement or the substitution of the rental property, if in either case the average payment allocable to a payment period is not changed by more than 25 percent;
(2) A deferral or extension of 1 or more rental payments, or portions of a rental payment;
(3) A reduction in charges in the rental-purchase agreement; or
(4) A rental-purchase agreement involved in a court proceeding.