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1. Parties: Identification of the lender(s) and borrower(s), including full legal names, registration details, and addresses
2. Background: Context of the financing arrangement, purpose of the facility, and any relevant historical information
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and rules of interpretation
4. The Facility: Detailed description of the loan facility, including amount, purpose, and availability period
5. Conditions Precedent: Prerequisites that must be satisfied before the facility becomes available
6. Drawdown Mechanics: Procedures and requirements for drawing down the facility
7. Interest and Fees: Interest calculation methodology, payment dates, default interest, and applicable fees
8. Repayment Terms: Repayment schedule, prepayment provisions, and mandatory prepayment events
9. Representations and Warranties: Standard and transaction-specific representations and warranties from the borrower
10. Covenants: Positive and negative obligations of the borrower during the facility period
11. Events of Default: Circumstances constituting default and consequences thereof
12. Security: Details of security/collateral provided for the facility
13. Changes to Parties: Assignment and transfer provisions
14. Administration: Administrative provisions including calculations, notices, and amendments
15. Governing Law and Jurisdiction: Choice of UAE law and jurisdiction provisions
1. Islamic Finance Provisions: Required when the facility needs to be Shariah-compliant, including specific structural requirements and terminology
2. Syndication Provisions: Required for syndicated facilities, including agency provisions and inter-creditor arrangements
3. Tax Provisions: Detailed tax provisions required when cross-border elements exist or specific tax considerations apply
4. Currency Provisions: Required when the facility involves multiple currencies or currency conversion
5. Security Trustee Provisions: Required when security is held by a security trustee on behalf of multiple lenders
6. Regulatory Compliance: Specific provisions required for regulated borrowers or specific industry requirements
7. Force Majeure: Detailed force majeure provisions when required by specific industry or circumstances
1. Schedule 1 - Conditions Precedent: Detailed list of required documents and conditions to be satisfied
2. Schedule 2 - Form of Drawdown Request: Template for drawdown requests
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable
4. Schedule 4 - Form of Compliance Certificate: Template for periodic compliance certification
5. Schedule 5 - Security Documents: List and copies of all security documents
6. Schedule 6 - Financial Covenants: Detailed financial covenants and calculation methodologies
7. Appendix A - Form of Transfer Certificate: Template for transfer of facility participation
8. Appendix B - Form of Security Documents: Templates for various security documents
9. Appendix C - Fee Schedule: Detailed breakdown of all applicable fees
Banking Day
Borrower
Break Costs
Business Day
Collateral
Commitment
Compliance Certificate
Default
Default Interest
Default Rate
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Amount
Facility Documents
Finance Documents
Financial Indebtedness
Financial Statements
Governmental Authority
Interest Payment Date
Interest Period
Interest Rate
Lender
LIBOR
Margin
Material Adverse Effect
Maturity Date
Obligor
Payment Date
Permitted Security
Potential Event of Default
Prepayment Amount
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Security Interest
Secured Obligations
Tax
UAE
UAE Dirham
Unpaid Sum
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Counterparts
Severability
Assignment
Third Party Rights
Governing Law
Dispute Resolution
Force Majeure
Indemnities
Costs and Expenses
Tax Provisions
Currency Provisions
Security Enforcement
Default Interest
Account Operations
Banking and Financial Services
Real Estate and Construction
Manufacturing
Energy and Utilities
Healthcare
Technology
Retail and Consumer Goods
Transportation and Logistics
Hospitality and Tourism
Infrastructure Development
Telecommunications
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Corporate Secretariat
Executive Management
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Risk Manager
Credit Manager
Investment Manager
Corporate Banking Officer
Financial Controller
Chief Executive Officer
Company Secretary
Banking Relationship Manager
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