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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the agreement including purpose of the credit facility
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility Amount and Purpose: Specification of the credit amount and permitted purpose of the facility
5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
6. Drawdown: Terms and procedures for drawing down the credit facility
7. Interest and Fees: Interest rate, calculation method, and applicable fees
8. Repayment Terms: Schedule and methods of repayment, including early repayment provisions
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Ongoing obligations of the borrower during the term of the facility
11. Events of Default: Circumstances constituting default and consequences
12. Security: Details of any security or guarantees provided
13. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Islamic Finance Provisions: Required if the facility needs to be Sharia-compliant
2. Currency Provisions: Required if the facility is provided in a currency other than AED
3. Group Company Guarantees: Required if guarantees are provided by related companies
4. Insurance Requirements: Required if specific insurance coverage is mandatory
5. Additional Borrower Obligations: Required for specific industry or regulatory requirements
6. Cross-Default Provisions: Required if linking to other facilities or agreements
7. Assignment and Transfer: Required if transfer rights are to be included
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Fee Schedule: Detailed breakdown of all applicable fees and charges
4. Form of Drawdown Notice: Template for requesting drawdown of the facility
5. Security Documents: Forms of security documents and guarantees
6. Calculation of Interest: Detailed methodology for interest calculation
7. Permitted Security Interests: List of existing or permitted security interests
Availability Period
Banking Day
Borrower
Central Bank
Conditions Precedent
Default Interest Rate
Default Rate
Drawdown Date
Drawdown Notice
Event of Default
Facility
Facility Amount
Final Repayment Date
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Material Adverse Effect
Party
Permitted Purpose
Potential Event of Default
Repayment Date
Repayment Schedule
Security
Security Documents
UAE Dirham
Unpaid Sum
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Fees and Charges
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Payment Mechanics
Set-off
Assignment and Transfer
Amendments and Waivers
Notices
Calculations
Partial Invalidity
Remedies and Waivers
Confidentiality
Governing Law
Enforcement
Jurisdiction
Process Agent
Electronic Execution
Banking and Financial Services
Real Estate
Construction
Manufacturing
Retail
Healthcare
Education
Hospitality
Technology
Transportation and Logistics
Energy and Utilities
Small and Medium Enterprises
Legal
Finance
Compliance
Risk Management
Corporate Banking
Credit Analysis
Treasury
Operations
Regulatory Affairs
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Risk Manager
Treasury Manager
Corporate Banking Manager
Relationship Manager
Credit Analyst
Financial Controller
Legal Director
Banking Operations Manager
Risk Assessment Officer
Document Controller
Regulatory Compliance Manager
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