means an amount payable by the borrower to the moneylender—
| (a) | where such amount is in terms of an agreement in writing between the moneylender and the borrower recoverable from the borrower; |
| (b) | as valuable consideration for the moneylender's administering the borrower's account; and |
| (c) | where the total amount payable per month does not exceed the amount mentioned in paragraph 3(b)(i). |