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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the loan arrangement and purpose of the agreement
3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement
4. The Loan: Principal amount, purpose, and drawdown mechanisms
5. Interest and Fees: Interest rate, calculation method, payment dates, and any applicable fees
6. Repayment Terms: Payment schedule, prepayment provisions, and method of payment
7. Security: Description of collateral and creation of security interest
8. Representations and Warranties: Borrower's statements about their legal and financial status
9. Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Lender's rights and remedies upon default
12. General Provisions: Standard clauses including notices, amendments, and governing law
1. Guarantees: Terms of any personal or corporate guarantees - include when there are third-party guarantors
2. Insurance Requirements: Specific insurance obligations for the collateral - include when valuable physical assets are used as security
3. Additional Security Documents: References to related security documents - include when multiple security instruments are involved
4. Subordination Provisions: Priority arrangements with other creditors - include when there are multiple lenders
5. Environmental Matters: Environmental warranties and covenants - include when real property or industrial assets are involved
6. Assignment and Participation: Terms for transferring loan interests - include when the lender may want to syndicate or sell the loan
7. Multi-Currency Provisions: Terms for loans in multiple currencies - include for international transactions
1. Repayment Schedule: Detailed amortization schedule showing payment dates and amounts
2. Description of Collateral: Detailed description of all assets serving as security
3. Permitted Liens: List of pre-existing or permitted security interests on the collateral
4. Forms of Notice: Standard forms for drawdown notices, compliance certificates, etc.
5. Financial Covenants Calculations: Formulas and methods for calculating financial covenants
6. Subsidiary Guarantors: List of subsidiary companies providing guarantees, if applicable
7. Required Insurance: Detailed insurance requirements for the collateral
8. PPSA Financing Statements: Forms or copies of personal property security registrations
Business Day
Collateral
Commitment
Default
Default Rate
Event of Default
Financing Statements
Governmental Authority
Guarantor
Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Documents
Material Adverse Effect
Maturity Date
Obligations
Permitted Liens
Person
PPSA
Principal Amount
Prohibited Transaction
Related Parties
Repayment Date
Secured Assets
Secured Obligations
Security Interest
Security Documents
Subsidiary
Taxes
Term
Transaction Documents
Interpretation
Loan Facility
Interest
Security Interest
Collateral
Repayment
Representations and Warranties
Covenants
Default
Enforcement
Assignment
Notices
Guarantees
Insurance
Indemnification
Confidentiality
Amendments
Severability
Governing Law
Jurisdiction
Force Majeure
Taxes
Fees and Expenses
Set-off
Further Assurance
Entire Agreement
Counterparts
Waiver
Third Party Rights
Priority and Subordination
Registration
Term and Termination
Financial Covenants
Reporting Requirements
Banking and Financial Services
Real Estate
Manufacturing
Construction
Agriculture
Technology
Healthcare
Transportation and Logistics
Energy and Resources
Retail and Consumer Goods
Professional Services
Legal
Finance
Risk Management
Treasury
Credit
Compliance
Corporate Secretariat
Business Development
Commercial Banking
Operations
Chief Financial Officer
Finance Director
Credit Manager
Risk Manager
Legal Counsel
Corporate Lawyer
Loan Officer
Commercial Banking Manager
Credit Analyst
Treasury Manager
Corporate Secretary
Compliance Officer
Security Trustee
Portfolio Manager
Business Development Manager
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