(b) "Lessee" means a natural person who leases goods from a lessor primarily for personal, family or household use and who executes a retail lease agreement in connection therewith. The term does not include a person who leases goods primarily for agricultural, business or commercial use or for the purpose of subleasing.

(c) "Lessor" means a person regularly engaged in the business of leasing or selling goods who leases goods to a lessee under or subject to a retail lease agreement.

(d) "Lease" means a transfer from a lessor to a lessee of the right to possession and use of goods in return for consideration. The term does not include a sale, including a sale on approval or a sale or return, a retail instalment sale as defined in article ten of the personal property law or the retention or creation of a security interest in the goods.

(e) "Retail lease agreement" or "agreement" means an agreement, entered into in this state, for the lease of goods and which may include the purchase of goods or services incidental thereto by a lessee for a scheduled term exceeding four months, whether or not the lessee has the option to purchase or otherwise become the owner of the goods at the expiration of the agreement. The term includes such an agreement wherever entered into if executed by the lessee in this state and if solicited in person by a person acting on his or her own behalf or that of the lessor. The term does not include a retail instalment contract or a rental-purchase agreement as defined in articles ten and eleven of the personal property law. An agreement that substantially complies with this article does not create a security interest in the goods as the term "security interest" is defined in paragraph thirty-five of subsection (b) of section 1--201 of the uniform commercial code.

(f) "Gap amount" has the meaning ascribed to it in paragraph fifty-two of subsection (a) of section one hundred seven of the insurance law.

(g) "Gap insurance" has the meaning ascribed to it in paragraph twenty-six of subsection (a) of section one thousand one hundred thirteen of the insurance law.

(h) "Person" means an individual, partnership, corporation, association or other group, however organized. * NB There are 2 § 399-w's