13If a borrower must decline a rebate, or a portion of a rebate, in order to enter into a credit agreement at a particular interest rate, the APR and the total cost of credit are calculated on the assumption that the value received or to be received by the borrower is the cash price of the product, as determined without regard to the rebate, less the amount of the declined rebate or portion of a rebate.
13If a borrower must decline a rebate, or a portion of a rebate, in order to enter into a credit agreement at a particular interest rate, the APR and the total cost of credit are calculated on the assumption that the value received or to be received by the borrower is the cash price of the product, as determined without regard to the rebate, less the amount of the declined rebate or portion of a rebate.