"Finance charge" means the amount agreed upon between the
buyer and the seller to be added to the cash sale price and, if a
separate charge is made therefor, the amount, if any, included for
insurance and other benefits and official fees, in determining the
time [...]
"Finance charge" means the amount agreed upon between the
buyer and the seller, as limited in this article, to be added to
the cash sale price, the amount, if any, included for insurance
and other benefits, if a separate charge is made therefor, and
official fees, [...]
