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1. Parties: Identification of the lender and borrower with complete details
2. Background: Context of the loan, purpose, and brief description of the security being offered
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Details of the loan facility, amount, and permitted use of funds
5. Interest and Fees: Interest rate, calculation method, payment periods, and applicable fees
6. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
7. Security Creation: Creation and perfection of security interests over the secured assets
8. Representations and Warranties: Statements of fact by the borrower regarding their legal status, authority, and secured assets
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences thereof
11. Enforcement Rights: Lender's rights and remedies upon default
12. Expenses and Indemnification: allocation of costs and indemnity obligations
13. Notices: Communication methods and contact details for formal notices
14. Governing Law and Jurisdiction: Choice of law and jurisdiction for dispute resolution
15. Miscellaneous: Standard boilerplate provisions including amendments, assignments, and severability
1. Guarantee: Include when there are third-party guarantors for the loan
2. Insurance: Detailed insurance requirements when secured assets require specific insurance coverage
3. Additional Security: For multiple types of security or subsequent security creation
4. Inter-creditor Provisions: Required when there are multiple lenders or ranking of security
5. Tax Provisions: Detailed tax clauses when transaction has significant tax implications
6. Security Trustee: When a security trustee is appointed to hold security for multiple lenders
7. Currency Provisions: For cross-border loans involving multiple currencies
8. Step-in Rights: When lender may need to take control of borrower's projects or contracts
1. Loan Details: Detailed breakdown of loan amount, interest calculations, and repayment schedule
2. Security Assets: Comprehensive list and description of all assets provided as security
3. Conditions Precedent: List of documents and conditions required before loan disbursement
4. Form of Notices: Standard forms for drawdown, prepayment, and other notices
5. Perfection Requirements: List of security perfection and registration requirements
6. Existing Encumbrances: Details of any existing charges or encumbrances on security assets
7. Insurance Requirements: Specific insurance types and coverage required for secured assets
8. Financial Covenants: Detailed financial ratios and calculations for financial covenants
9. Security Documents: Forms of additional security documents to be executed
Assets
Authorized Representative
Business Day
Charged Assets
Collateral
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Financial Indebtedness
Financial Statements
Financial Year
Government Authority
Guarantee
Interest Payment Date
Interest Period
Interest Rate
Legal Requirements
Lender's Rights
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Obligors
Outstanding Amount
Permitted Security
Potential Default
Prepayment
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Security Period
Security Provider
Secured Obligations
Secured Assets
Tax
Transaction Documents
Utilization
Working Day
Loan Facility
Purpose
Interest
Fees
Repayment
Prepayment
Security Creation
Security Perfection
Conditions Precedent
Representations and Warranties
Positive Covenants
Negative Covenants
Financial Covenants
Events of Default
Remedies
Enforcement
Assignment and Transfer
Costs and Expenses
Indemnification
Set-off
Confidentiality
Notices
Amendments
Severability
Governing Law
Dispute Resolution
Force Majeure
Further Assurance
Counterparts
Entire Agreement
Third Party Rights
Waiver
Insurance
Tax
Registration
Banking
Financial Services
Real Estate
Manufacturing
Infrastructure
Technology
Healthcare
Retail
Agriculture
Energy
Transportation
Construction
Telecommunications
Education
Hospitality
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Secretarial
Banking Operations
Security Administration
Documentation
Corporate Finance
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Risk Manager
Credit Manager
Loan Officer
Security Trustee
Compliance Officer
Company Secretary
Banking Manager
Treasury Manager
Financial Controller
Credit Analyst
Legal Manager
Transaction Manager
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