; and (C) whether the recipient would be required to pay any additional fees not already included in the finance charge. (7) Collateral requirements Any collateral requirement that will be imposed on the small business in connection with the small business financing. (b) Form of disclosures (1) In general Disclosures made pursuant to this section shall be in writing, at the time a specific offer is made, and in a manner that is clear, conspicuous, complete, and allows the small business to compare the range of small business financing options that the small business may be considering. (2) Prominence of disclosures In making any disclosure pursuant to this section, the disclosures required under paragraphs (1), (2), and (3) of subsection (a) shall be displayed most prominently. 194. Restrictions on double-dipping When a lender of small business financing refinances or modifies an existing loan with a fixed fee as the primary financing charge, the lender may not charge a fee on the small business’s outstanding principal unless there is a tangible benefit to the small business. 195. Additional provisions (a) Rule of construction Nothing in this chapter may be construed to prevent a provider from providing or disclosing additional information on a small business financing being offered to a recipient, provided however, that such additional information may not be disclosed as part of the disclosure required by this chapter. (b) Use of terms (1) Rate If other metrics of financing cost are disclosed or used in the application process of a small business financing, these metrics shall not be presented as a rate if they are not the annual interest rate or the annual percentage rate. (2) Interest The term interest , when used to describe a percentage rate to a recipient or potential recipient, shall only be used to describe annualized percentage rates, such as the annual interest rate. (c) Requirement To state APR When a provider states in writing a rate of finance charge or a financing amount to a recipient during an