The Cash Promissory Note is a fundamental financial instrument in UAE commercial transactions, regulated under Federal Law No. 18 of 1993 (UAE Commercial Transactions Law). This document type is commonly used in business transactions where a party needs to provide a formal, written promise to pay a specific sum of money at a future date. The Cash Promissory Note must contain certain essential elements to be valid under UAE law, including the term 'promissory note' in its text, an unconditional promise to pay, specified payment amount, payment date, and place of payment. It serves as both a debt instrument and a negotiable document, making it particularly useful in commercial transactions, debt restructuring, and security arrangements. The document must be drafted in compliance with both UAE civil law requirements and Sharia principles, particularly regarding interest provisions.
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1. Place and Date of Issuance: Specific location and date where the promissory note is executed, as required by UAE law
2. Promise to Pay Statement: Unconditional undertaking to pay a specific sum, using the term 'promissory note' in the text
3. Amount: The sum payable, stated both in numbers and words
4. Payee Details: Full legal name and details of the person/entity to whom payment is to be made
5. Due Date: Specific date when the payment is to be made
6. Place of Payment: Specific location where the payment is to be made
7. Maker's Details: Full legal name, address, and identification details of the person/entity issuing the note
8. Signature Block: Space for maker's signature and date
1. Interest Rate: Used when the note bears interest, must comply with UAE Central Bank guidelines and Sharia principles
2. Multiple Payees Clause: Used when there are multiple beneficiaries, specifying their rights and relationships
3. Installment Terms: Used when payment is to be made in installments rather than a single payment
4. Security Details: Used when the note is secured by collateral or guarantee
5. Jurisdiction Clause: Used to specify which Emirates' courts have jurisdiction in case of disputes
6. Protest Waiver: Optional waiver of protest requirements in case of non-payment
1. Payment Schedule: Details of installment amounts and dates if applicable
2. Security Documentation: Details of any collateral or security provided
3. Maker's Identification Documents: Copies of relevant ID documents as required by UAE law
4. Corporate Authorization: If maker is a company, documents proving authority to issue the note
Relevant legal definitions
Business Day
Due Date
Event of Default
Interest Rate
Maker
Maturity Date
Outstanding Amount
Payee
Payment Date
Place of Payment
Principal Amount
Promissory Note
Security
Specified Currency
Permitted Successor
Authorized Signatory
Relevant Jurisdiction
Default Interest
Banking Hours
Material Adverse Effect
Due Date
Event of Default
Interest Rate
Maker
Maturity Date
Outstanding Amount
Payee
Payment Date
Place of Payment
Principal Amount
Promissory Note
Security
Specified Currency
Permitted Successor
Authorized Signatory
Relevant Jurisdiction
Default Interest
Banking Hours
Material Adverse Effect
Clauses
Relevant Industries
Banking and Financial Services
Real Estate
Construction
Manufacturing
Trading and Commercial
Retail
Professional Services
Healthcare
Education
Hospitality
Transportation and Logistics
Relevant Teams
Legal
Finance
Treasury
Credit Control
Accounts Receivable
Risk Management
Collections
Compliance
Corporate Secretariat
Commercial Operations
Relevant Roles
Chief Financial Officer
Finance Manager
Treasury Manager
Credit Controller
Accounts Receivable Manager
Legal Counsel
Corporate Lawyer
Commercial Manager
Risk Manager
Collections Manager
Financial Controller
Company Secretary
Compliance Officer
Business Development Manager
Contract Administrator
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