Electoral Administration Bill

I want to ask one short question on Amendment No. 1. Does the noble and learned Lord agree that Part 4 and Part 4A are not cumulative, so that it would be possible, without disclosure, for any individual who was a permissible donor to make in the same year both a donation of £5,000 and a loan of £5,000 without having to disclose either of them? If that is correct, ought there not to be some method of accumulating the two so that in those cases there would have to be some disclosure? We are talking of £10,000, which I recognise is not enormous compared with some of the sums that have been lent. However, I wonder whether the point has been considered and, if not, whether it should be.