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1. Parties: Identification of the lender (financial institution) and borrower with full legal names and addresses
2. Background: Recitals explaining the purpose of the agreement and the parties' intentions
3. Definitions: Detailed definitions of terms used throughout the agreement
4. The Facility: Details of the credit line including amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
6. Utilization: Process and requirements for drawing down the credit facility
7. Interest and Fees: Interest calculation method, rates, payment dates, and applicable fees
8. Repayment: Terms of repayment including minimum payments and final maturity
9. Representations and Warranties: Standard representations and warranties from the borrower
10. Covenants: Positive and negative covenants applicable to the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Provisions regarding assignment and transfer rights
13. Notices: Communication requirements and contact details
14. General Provisions: Miscellaneous legal provisions including governing law and jurisdiction
1. Security: Required if the facility is secured by collateral or guarantees
2. Islamic Finance Provisions: Required if the facility needs to be Sharia-compliant
3. Multiple Currency Provisions: Required if the facility can be drawn in multiple currencies
4. Increased Costs: Optional provisions dealing with changes in regulatory requirements
5. Tax Gross-Up: Required if tax implications need to be addressed specifically
6. Market Disruption: Optional provisions dealing with market disruption events
7. Anti-Money Laundering: Detailed AML provisions if not covered in representations
8. Joint and Several Liability: Required if there are multiple borrowers
1. Schedule 1 - Conditions Precedent: Detailed list of required documents and conditions
2. Schedule 2 - Utilization Request Form: Standard form for requesting drawdowns
3. Schedule 3 - Pricing Schedule: Detailed breakdown of interest rates, margins, and fees
4. Schedule 4 - Repayment Schedule: If applicable, schedule of repayment dates and amounts
5. Schedule 5 - Security Documents: List and copies of security documents if facility is secured
6. Schedule 6 - Compliance Certificate: Form of compliance certificate for periodic submission
7. Appendix A - Calculation of Interest: Detailed methodology for interest calculations
8. Appendix B - Form of Notices: Standard forms for various notices under the agreement
Availability Period
Available Facility
Banking Day
Base Rate
Borrower
Business Day
Central Bank
Commitment
Compliance Certificate
Default
Default Rate
Drawdown
Event of Default
Facility
Facility Amount
Facility Documents
Finance Documents
Financial Indebtedness
Financial Statements
Financing Rate
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Letter of Credit
LIBOR
Margin
Material Adverse Effect
Maturity Date
Notice Period
Obligor
Outstanding Amount
Overdraft
Payment Date
Permitted Purpose
Potential Default
Prepayment Amount
Principal Amount
Relevant Jurisdiction
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Taxes
UAE
UAE Dirham
Utilization
Utilization Date
Utilization Request
Recitals
Definitions
Facility Terms
Conditions Precedent
Utilization
Interest
Fees
Repayment
Prepayment
Security
Representations
Warranties
Covenants
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Remedies
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments
Confidentiality
Assignment
Transfer
Costs and Expenses
Indemnities
Currency
Governing Law
Jurisdiction
Enforcement
Islamic Finance
Anti-Money Laundering
Severability
Counterparts
Entire Agreement
Banking & Financial Services
Corporate Finance
Commercial Lending
Islamic Banking
Real Estate
Construction
Manufacturing
Retail
Healthcare
Technology
Energy
Trading & Distribution
Professional Services
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Islamic Banking
Risk Management
Business Development
Operations
Chief Financial Officer
Finance Director
Treasury Manager
Credit Manager
Relationship Manager
Legal Counsel
Compliance Officer
Risk Manager
Corporate Banking Officer
Financial Controller
Business Development Manager
Account Manager
Islamic Banking Specialist
Senior Credit Analyst
Corporate Secretary
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