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1. Parties: Identification of the lender(s) and borrower(s) with their full legal names and addresses
2. Background: Context of the loan arrangement and relationship between the parties
3. Definitions: Definitions of key terms used throughout the memorandum
4. Facility Amount: The principal amount of the loan being provided
5. Purpose: Specified purpose for which the loan may be used
6. Interest Rate: Interest rate, calculation method, and payment frequency
7. Repayment Terms: Schedule and method of repayment, including principal and interest
8. Conditions Precedent: Conditions that must be satisfied before the loan is advanced
9. Representations and Warranties: Standard declarations made by the borrower about their status and capacity
10. Covenants: Ongoing obligations of the borrower during the loan term
11. Events of Default: Circumstances that would trigger default and lender's remedies
12. Governing Law and Jurisdiction: Specification of Hong Kong law as governing law and jurisdiction
1. Security: Details of any security or guarantees - include if loan is secured
2. Transferability: Rights to assign or transfer the loan - include if loan may be syndicated
3. Multiple Lenders: Provisions for multiple lenders and decision-making process - include if syndicated
4. Financial Covenants: Specific financial ratios or requirements - include for corporate borrowers
5. Tax Provisions: Detailed tax implications and gross-up provisions - include if cross-border elements
6. Currency Provisions: Currency conversion and risk allocation - include if multiple currencies involved
7. Insurance Requirements: Required insurance coverage - include if security includes physical assets
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Security Details: Detailed description of any security assets and registration requirements
4. Conditions Precedent Documents: List of required documents and conditions to be satisfied
5. Fees and Expenses: Breakdown of all applicable fees, charges and expenses
6. Form of Compliance Certificate: Template for periodic compliance reporting
7. Contact Details: List of authorized representatives and contact information for notices
Agreement
Applicable Rate
Availability Period
Banking Day
Base Rate
Borrower
Business Day
Charged Property
Commitment
Conditions Precedent
Default
Default Rate
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Final Repayment Date
Finance Documents
Financial Indebtedness
Financial Statements
Group
HIBOR
Hong Kong
Interest Payment Date
Interest Period
Lender
Loan
Material Adverse Effect
Maturity Date
Obligor
Potential Default
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Subsidiary
Tax
Transaction Documents
Utilisation
Utilisation Date
Utilisation Request
Interest and Fees
Repayment
Prepayment
Conditions Precedent
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Security
Guarantee
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations and Certificates
Partial Invalidity
Remedies and Waivers
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Assignment and Transfer
Costs and Expenses
Indemnities
Currency Provisions
Tax Gross Up
Increased Costs
Mitigation
Agency Provisions
Force Majeure
Banking & Financial Services
Real Estate & Property
Manufacturing
Technology
Retail & Consumer
Infrastructure & Construction
Healthcare
Education
Hospitality & Tourism
Transportation & Logistics
Energy & Resources
Professional Services
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Analysis
Transaction Banking
Corporate Secretarial
Business Development
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Finance Manager
Credit Risk Manager
Relationship Manager
Compliance Officer
Treasury Manager
Company Secretary
Loan Officer
Financial Controller
Investment Manager
Business Development Manager
Risk Assessment Officer
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