b) an initiation fee, which-
i) may not exceed the prescribed amount relative to the principal debt; and
ii) must not be applied unless the application results in the establishment of a credit agreement with that consumer;
c) a service fee, which-
i) in the case of a credit facility, may be payable monthly, annually, on a per transaction basis or on a combination of periodic and transaction basis; or
ii) in any other case, may be payable monthly or annually; and
iii) must not exceed the prescribed amount relative to the principal debt;
d) interest, which-
i) must be expressed in percentage terms as an annual rate calculated in the prescribed manner; and
ii) must not exceed the applicable maximum prescribed rate determined in terms of section 105;
e) cost of any credit insurance provided in accordance with section 106;
f) default administration charges, which-
i) may not exceed the prescribed maximum for the category of credit agreement concerned; and
ii) may be imposed only if the consumer has defaulted on a payment obligation under the credit agreement, and only to the extent permitted by Part C of Chapter 6; and
g) collection costs, which may not exceed the prescribed maximum for the category of credit agreement concerned and may be imposed only to the extent permitted by Part C of Chapter 6.
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