QUILLIAN, Judge.
The appeals involve the same issues and are considered together.
1. Appellant, defendant below, who purchased a vehicle and gave a note therefor pursuant to Code Ann. Ch. 96-10 (Ga. L. 1967, p. 674 et seq.) contends that he was charged interest in excess of that allowed under Code Ann. § 96-1004 (Ga. L. 1967, pp. 674, 679; 1970, pp. 101, 103) since the cost of insurance was included in the amount financed, the "unpaid balance."
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