4.1 The Lender must, in terms of the provisions of the agreement with the Borrower, allow the Borrower to terminate the micro loan agreement within a period of three business days after the date of signing the agreement, and, if the loan amount has been advanced, simultaneously to repay the loan amount advanced, to the Lender.
4.2 If the Borrower terminates the micro loan agreement within the period referred to in subclause (1) after having receivedthe money in respect of the loan amount, the Lender is entitled, upon the Borrower offering simultaneously to repay the total amount advanced to the borrower, only to stipulate for demand or receive from the Borrower, pro rata charges at the annual finance rate applicable to the agreement.
