preceding such adjustment.(d) For purposes of subparagraph (ii) of paragraph (a) of this subsection, points and fees shall include:(i) all items included in the finance charge, except interest or the time-price differential;(ii) all compensation paid to mortgage brokers;(iii) each of the charges listed in 15 U.S.C., Section 1605(e), except an escrow for future payment of taxes, unless:(aa) the cha