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good at lml4807 students today we are looking at credit agreements for the lecture today we are not going to provide you with a detailed discussion of the entire lesson it is quite a lengthy lesson and we leave it up to you to allow for sufficient time to study this lesson what the aim of todays lecture would be is to provide you with some practical guidance on how to approach a question concerning credit agreements now we want to give you general guidance on how to approach studying for this very long lesson in the exam we have the option of asking a practical question or a theory question now unfortunately you never know what youre going to get so you need to prepare for both usually we could ask you to discuss whether an agreement is a credit agreement in terms of the national credit act in our practical were going to provide you with steps on how to actually answer such a question then possibly as a follow-up question we can say to you okay now that you know it is a created agr