) With respect to a precomputed consumer loan, the parties may before or after default agree in writing to a deferment of all or part of one or more unpaid installments, and the lender may make a charge not in excess of 18% per year of the amount deferred for the period of defer- ment (and proportionally for parts of a month, counting each day as one- thirtieth (1/30) of a month). A deferral charge may be collected at the time it is assessed or at any time thereafter. If the deferral charge calculated pursuant to this subsection is less than $2.00, a deferral charge of $2.00 may nevertheless be made.
(2) The lender may, in addition to the deferral charge, make appropriate additional charges listed in § 3202, and the amount of these charges, which is not paid in cash, may be added to the amount deferred for the purpose of calculating the deferral charge.

(3) The parties may agree in writing at the time the loan is made that if an installment is not paid within 10 days after its due date, the lender may unilaterally grant a deferment and make charges as provided in this section. No deferral charge may be made for a period after the date that the lender elects to accelerate the maturity of the agreement.
(4) No delinquency charge may be made or retained by the lender for the period of deferral of any installment which has been deferred pursuant to this section.
(5) The amounts of $2.00 in subsection (1) are subject to change pursuant to the provisions on adjustment of dollar amounts (§ 1106).