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1. Parties: Identifies the lender, borrower, and any other relevant parties to the agreement
2. Background: Provides context for the subordinated loan and explains the purpose of the subordination
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles, including specific UAE law concepts
4. The Facility: Details the loan amount, purpose, and drawdown mechanisms
5. Subordination Provisions: Establishes the ranking of the debt and subordination mechanisms
6. Interest and Fees: Specifies interest rates, calculation methods, and payment terms in compliance with UAE laws
7. Repayment Terms: Sets out the repayment schedule and early repayment provisions
8. Conditions Precedent: Lists required documents and conditions before drawdown
9. Representations and Warranties: Standard and UAE-specific representations from the borrower
10. Covenants: Positive and negative undertakings by the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Rules for assignment and transfer of rights
13. Administration: Covers notices, calculations, and other administrative matters
14. Governing Law and Jurisdiction: Specifies UAE law as governing law and jurisdiction provisions
1. Islamic Finance Provisions: Alternative provisions for Sharia-compliant financing structures, used when the loan needs to comply with Islamic finance principles
2. Security: Provisions relating to any security package, included when the subordinated loan is secured
3. Intercreditor Provisions: Detailed provisions governing relationship between different classes of creditors, used when there are multiple lenders
4. Tax Provisions: Detailed tax-related provisions, included when cross-border elements exist
5. Currency Provisions: Provisions dealing with multiple currencies, included for cross-border transactions
6. Agent Provisions: Provisions regarding the role and responsibilities of any facility agent, used in syndicated loans
1. Form of Drawdown Request: Standard form for requesting loan disbursements
2. Conditions Precedent Documents: Detailed list of required documents and conditions
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Form of Transfer Certificate: Standard form for transferring loan participations
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Permitted Security: List of security interests permitted under the agreement
7. Existing Financial Indebtedness: Schedule of borrower's existing debt obligations
8. Form of Subordination Deed: Standard form subordination agreement for additional parties
Applicable Law
Available Facility
Business Day
Commitment
Compliance Certificate
Default
Default Interest
Drawdown Date
Drawdown Request
Event of Default
Facility
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Legal Reservations
Loan
Material Adverse Effect
Permitted Security
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Agent
Senior Creditors
Senior Debt
Senior Finance Documents
Subordinated Debt
Subordinated Lender
Subordination Deed
Subsidiary
Tax
Transaction Documents
Transfer Certificate
UAE
UAE Civil Code
UAE Commercial Code
Facility
Purpose
Conditions Precedent
Drawdown
Repayment
Prepayment
Interest
Fees
Subordination
Tax
Increased Costs
Representations
Information Covenants
General Covenants
Financial Covenants
Events of Default
Security
Set-off
Assignment
Amendments
Confidentiality
Notices
Calculations
Severability
Counterparts
Governing Law
Enforcement
Jurisdiction
Process Agent
Waiver
Force Majeure
Language
Entire Agreement
Banking & Financial Services
Real Estate & Construction
Infrastructure
Energy & Resources
Manufacturing
Technology
Healthcare
Telecommunications
Retail & Consumer
Transportation & Logistics
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Finance
Credit
Company Secretariat
Banking
Investment
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Finance Manager
Investment Manager
Credit Risk Manager
Compliance Officer
Financial Controller
Company Secretary
Relationship Manager
Transaction Manager
Senior Banker
Risk Officer
Legal Director
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