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1. Parties: Identification of the lender (payee) and borrower (maker) with full legal names and identification numbers
2. Promise to Pay: Clear statement of the unconditional promise to pay, specifying the principal amount in numbers and words
3. Payment Terms: Details of how and when payment will be made, including installment amounts, payment dates, and payment method
4. Interest Rate: Specification of interest rate, ensuring compliance with National Credit Act limits, and how interest is calculated
5. Place of Payment: Designation of where payments are to be made or bank account details for transfers
6. Default Provisions: Consequences of default, including acceleration clause and default interest rates
7. Legal Fees and Costs: Provision for recovery of legal costs and collection fees in case of default
8. Governing Law: Specification that South African law governs the note
9. Signatures: Space for dated signatures of all parties and witnesses
1. Security: Details of any collateral or security provided for the loan - include when the loan is secured
2. Guarantor: Terms related to any third-party guarantee - include when there is a guarantor
3. Prepayment Terms: Conditions for early repayment - include when early repayment options are offered
4. Insurance Requirements: Mandatory insurance requirements - include when insurance is required to secure the loan
5. Assignment: Terms regarding the transfer or assignment of the note - include when the note may be transferred
6. Notices: Format and addresses for official communications - include for larger loan amounts or complex payment structures
1. Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and interest calculations
2. Disclosure Statement: National Credit Act mandatory disclosure requirements and quotation
3. Security Details: Detailed description of any security or collateral provided
4. Guarantor Information: Details of guarantor and terms of guarantee if applicable
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