(a) To insure that a consumer contract shall be clear, simple, understandable and easily readable, the following are guidelines that a court or primary regulator may consider in determining whether a consumer contract as a whole fails to comply with this chapter:
(1) Cross-references that are confusing.
(2) Sentences that are of greater length than reasonably necessary.
(3) Sentences that contain double negatives and exceptions to exceptions.
(4) Sentences and sections that are in a confusing or illogical order.
(5) The use of words with obsolete meanings or words that differ in their legal meanings from their common ordinary meaning.
(6) Frequent use of Old English and Middle English words and Latin and French phrases.
(b) The following are guidelines that a court or regulator shall consider in determining whether the consumer contract as a whole complies with this chapter:
(1) Sections shall be logically divided and captioned.
(2) A table of contents or alphabetical index shall be used for all contracts with more than 3,000 words.
(3) Conditions and exceptions to the main promise of the agreement shall be given equal prominence with the main promise and be in at least 10-point type.
(c) The following are guidelines regarding consumer restrictions that must be highlighted:
(1) A statement on the front page of the contract that highlights the following:
(i) Any provision or condition of the consumer contract that restricts or reduces a consumer's rights.
(ii) Any provision or condition of the consumer contract designed for the protection of the seller, insurer, creditor or lessor.
(2) The statement required by subsection (c)(1) of this section shall be in 10-point boldface type and not in all capitals, with the following caption in all capitals: “PLEASE READ THIS” in 12-point boldface type. If the contract is typewritten, the text of the statement must be underlined and the caption “PLEASE READ THIS” in all capitals.