finance charges

means the total of any valuable consideration, which a borrower or credit receiver or lessee has given or is owing, whether as part of the principal debt or otherwise, directly or indirectly, to a moneylender or credit grantor or lessor or to or on behalf of any intermediary between himself and a moneylender or credit grantor or lessor in terms of a money lending transaction or a credit transaction or a leasing transaction, and includes, in the case of an agreement in terms of which goods are sold under a condition of repurchase of such goods at a higher price, the difference between the higher price at which the goods are repurchased and the lower price at which the goods are sold, but does not include--

a)	a ledger fee;

b)	any amount referred to in section 5(1)(b);

c)	the costs referred to in section 5(1)(e) or (f);

d)	the costs of repair and maintenance of the movable property leased in terms of a leasing transaction;

e)	any valuable consideration specifically included in the principal debt by this Act;

f)	any underwriting fee;

g)	any amount or costs referred to in section 5A(1)(a) or (c).