. "uty commissioner of the consumer and mortgage lending division appointed by the bank commissioner pursuant to K.S.A. 16- 403 75-3135, and amendments thereto. (3) ``Agreement'' means the bargain of the parties in fact as found in their language or by implication from other circumstances including course of dealing or usage of trade or course of performance. (4) ``Amount financed'' means the net amo" . . . .