The Margin Lending Agreement is essential for financial institutions operating in Malta that provide leverage to clients for securities trading and investment activities. This document is specifically designed to comply with Maltese regulatory requirements, including MFSA regulations and MiFID implementation rules. The agreement covers crucial aspects such as facility terms, margin requirements, collateral arrangements, and enforcement rights, while incorporating necessary consumer protection provisions for retail clients. It's particularly important for financial institutions operating in Malta's growing financial services sector and must be tailored according to whether the borrower is a retail or professional client, with appropriate risk disclosures and protections as required by Maltese law.

1. Parties: Identification of the lender and borrower, including their registered addresses and company details

2. Background: Context of the agreement and confirmation that the borrower wishes to obtain margin lending facilities from the lender

3. Definitions and Interpretation: Definitions of key terms including Margin Loan, Collateral, Margin Call, Margin Requirement, and LTV Ratio

4. Facility and Purpose: Details of the margin lending facility, including maximum amount and permitted purposes

5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available

6. Margin Requirements: Rules for maintaining margin levels, calculation methods, and margin call procedures

7. Collateral Arrangements: Provisions regarding the pledge of securities and other assets as collateral

8. Interest and Fees: Interest calculation, payment terms, and applicable fees

9. Representations and Warranties: Standard and specific representations by the borrower

10. Covenants: Ongoing obligations of the borrower including financial covenants and reporting requirements

11. Events of Default: Circumstances constituting default and consequences

12. Enforcement Rights: Lender's rights upon default, including collateral liquidation

13. Termination: Provisions for terminating the facility and consequences of termination

14. Miscellaneous: Standard boilerplate provisions including notices, amendments, and governing law