Article 28.4 also does not prevent creditors and borrowers from "…expressly agreeing that return or transfer to the creditor of the security or proceeds from the sale of the security is sufficient to repay the credit".
Člen 28(4) prav tako ne preprečuje dajalcem kreditov in posojilojemalcem „izrecnega dogovora, da povrnitev zavarovanja ali prihodkov od prodaje zavarovanja dajalcu kredita ali njihov prenos nanj zadostuje za odplačilo kredita“.