Do perks add to the crit chance weapon modifier after the normal luck or do they add before?

Lets imagine that our character, jack, has 5 luck and finnese, is the ccrit chance done like this

5(Luck) X 2.5(A3-21s plasma rifle crit chance modifier) + 5(finnese) = 17.5%

OR

5(Luck) +5(finnese) X 2.5(A3-21s plasma rifle crit chance modifier) = 25%