3. LOAN AGREEMENT i) The Registrar noted that the loan agreement submitted by Ms Botha on 22 February 2011 was vague in that it contained no terms of repayment; no interest was accrued, nor was an interest rate established. ii) The final cost of the renovations was in excess of R1.2 million and not the amount of R500 000 in the affidavit submitted by Ms Botha. iii) The witness to the loan agreement confirmed in a signed affidavit that she was not present when the loan was signed and had no recall of the date that the contract was signed. iv) In her response in a second affidavit, Ms Botha stated that as she is not legally trained she was not aware of the documents she was required to submit to the Registrar of Members' Interests.