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1. Promise to Pay: Clear statement of the unconditional promise to pay, specifying the principal amount in both numbers and words
2. Parties: Full legal names and addresses of the maker (person promising to pay) and payee (person to whom payment is promised)
3. Payment Terms: Specific details about when and how payment will be made, including payment date(s) and method of payment
4. Interest Rate: Clear statement of any applicable interest rate, ensuring compliance with South African usury laws and the In Duplum rule
5. Place of Payment: Specific location or method where payment should be made
6. Date and Place of Issue: When and where the promissory note was created and signed
1. Security Provisions: Details of any collateral or security offered to guarantee the payment, used when the note is secured
2. Acceleration Clause: Conditions under which the full amount becomes immediately due and payable, included when early payment enforcement might be needed
3. Late Payment Penalties: Specific penalties or additional charges for late payment, optional but common in commercial contexts
4. Prepayment Terms: Conditions and terms for early payment of the note, included when early payment is anticipated
5. Transfer Rights: Terms regarding the transferability of the note, included when the note might be negotiated or assigned
1. Payment Schedule: If installment payments are involved, a detailed schedule showing payment dates and amounts
2. Security Description: If the note is secured, detailed description of the collateral or security provided
3. Guarantor Information: If there's a guarantor, their details and the extent of their guarantee
Financial Services
Banking
Real Estate
Small Business
Retail
Construction
Agriculture
Manufacturing
Professional Services
Education
Healthcare
Finance
Legal
Credit Control
Treasury
Accounts Receivable
Risk Management
Commercial Operations
Corporate Secretariat
Debt Collection
Contract Administration
Financial Manager
Credit Controller
Business Owner
Accountant
Finance Director
Legal Counsel
Commercial Manager
Credit Risk Officer
Treasury Manager
Debt Collection Officer
Contract Administrator
Company Secretary
Chief Financial Officer
Small Business Owner
Lending Officer
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