98.If the parties to a contract of credit wish to amend certain provisions of the contract and if the credit rate or the credit charges are thereby increased, they must execute a new contract containing
(a) the identification of the original contract;
(b) the amount exacted from the consumer to discharge, before maturity, his obligation under the original contract;
(c) the net capital, the credit charges and the credit rate; and
(d) the amount of the consumer’s total obligation and the terms and conditions of payment.