Times are hard and your client Mr Tumbo has decided to venture into the lending business having secured a contract with MOH and is now a covid millionare. He has approached you to draft a loan agreement to facilitate lending to borrowers which you have done and sent to him by email ( the said document is produced at the end of this paper). In his reply he writes to you as follows, ' please make me understand what I should look out for to ensure this document will be admissible in a court of law for those who refuse to pay their loans (defaulters)'. Write to Mr Tumbo a legal opinion on admissibility of agreements physical and virtual as evidential material.