The Omnibus Loan and Security Agreement is utilized in the Malaysian financing landscape when a borrower requires multiple credit facilities from the same lender or lending group, and these facilities need to be secured by various types of collateral. This document type streamlines the documentation process by consolidating what would otherwise be multiple separate facility and security agreements into a single, comprehensive agreement. It includes detailed provisions for facility terms, security arrangements, cross-default mechanisms, and enforcement rights, all while ensuring compliance with Malaysian banking regulations, including the Financial Services Act 2013 and, where applicable, the Islamic Financial Services Act 2013. The agreement is particularly useful for complex financing transactions where multiple facilities and security interests need to be coordinated and cross-collateralized.
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1. Parties: Identification of the lender, borrower(s), and any guarantors or security providers
2. Background: Context of the agreement, relationship between parties, and purpose of the facilities
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and interpretation rules
4. Facilities: Overview of all available credit facilities, aggregate limits, and general terms
5. Conditions Precedent: Prerequisites for drawdown and utilization of facilities
6. Security Arrangements: Creation and terms of security interests, cross-collateralization provisions
7. Representations and Warranties: Standard and facility-specific representations by borrower and security providers
8. Covenants: Positive and negative obligations of the borrower and security providers
9. Events of Default: Comprehensive list of default events and their consequences
10. Enforcement Rights: Lender's rights and remedies upon default, including security enforcement
11. Payments and Interest: Payment mechanics, interest calculations, and default interest provisions
12. Costs and Expenses: Allocation of legal fees, stamp duties, and other costs
13. General Provisions: Standard boilerplate clauses including notices, amendments, assignments
14. Governing Law and Jurisdiction: Malaysian law as governing law and jurisdiction provisions
1. Islamic Banking Provisions: Required when the facility includes Islamic banking products or needs Shariah compliance
2. Currency Provisions: Required for multi-currency facilities
3. Syndication Provisions: Required when the facility may be syndicated or transferred to multiple lenders
4. Insurance Requirements: Detailed insurance obligations when specific insurance coverage is required
5. Environmental Compliance: Required for facilities to industries with environmental impact
6. Personal Data Protection: Detailed privacy provisions when dealing with individual borrowers or guarantors
7. Force Majeure: Specific force majeure provisions beyond standard provisions
8. Anti-Money Laundering Compliance: Enhanced AML provisions for high-risk sectors or transactions
1. Facility Terms: Specific terms, limits, and conditions for each facility
2. Security Documents: List and copies of all security documents
3. Conditions Precedent Documents: Detailed list of required documents and conditions
4. Property Schedule: Details of charged properties and their titles
5. Form of Drawdown Notice: Standard form for requesting facility utilization
6. Repayment Schedule: Detailed repayment terms and schedules for term facilities
7. Financial Covenants: Detailed financial ratios and calculations
8. Authorized Signatories: List of authorized persons for various notices and requests
9. Form of Security Documents: Standard forms of charge, debenture, assignment documents
10. Fees Schedule: Detailed breakdown of all applicable fees and charges
Relevant legal definitions
Acceptance Commission
Account Bank
Additional Security Document
Affiliate
Availability Period
Bank Negara Malaysia
Banking Day
Base Lending Rate
Borrower
Business Day
Charge
Charged Property
Commitment
Conditions Precedent
Default
Default Rate
Debenture
Drawdown Date
Drawdown Notice
Effective Date
Encumbrance
Event of Default
Facility
Facility Agent
Facility Limit
Facility Period
Financial Indebtedness
Financial Statements
Governing Law
Guarantee
Guarantor
Identity Card
Interest Payment Date
Interest Period
Interest Rate
Legal Process
Lender
Letter of Offer
Loan
Material Adverse Effect
Margin
Operating Account
Outstanding Amount
Potential Event of Default
Principal
Receiver
Reference Banks
Repayment Date
Ringgit Malaysia
Security
Security Agent
Security Documents
Security Interest
Security Party
Security Provider
Stamp Act
Subsidiary
Tax
Term
Total Commitment
Transaction Documents
Account Bank
Additional Security Document
Affiliate
Availability Period
Bank Negara Malaysia
Banking Day
Base Lending Rate
Borrower
Business Day
Charge
Charged Property
Commitment
Conditions Precedent
Default
Default Rate
Debenture
Drawdown Date
Drawdown Notice
Effective Date
Encumbrance
Event of Default
Facility
Facility Agent
Facility Limit
Facility Period
Financial Indebtedness
Financial Statements
Governing Law
Guarantee
Guarantor
Identity Card
Interest Payment Date
Interest Period
Interest Rate
Legal Process
Lender
Letter of Offer
Loan
Material Adverse Effect
Margin
Operating Account
Outstanding Amount
Potential Event of Default
Principal
Receiver
Reference Banks
Repayment Date
Ringgit Malaysia
Security
Security Agent
Security Documents
Security Interest
Security Party
Security Provider
Stamp Act
Subsidiary
Tax
Term
Total Commitment
Transaction Documents
Clauses
Interpretation
Facility Terms
Conditions Precedent
Drawdown
Interest
Repayment
Security Creation
Cross-Default
Cross-Collateralization
Representations and Warranties
Positive Covenants
Negative Covenants
Financial Covenants
Information Covenants
Events of Default
Enforcement
Security Power of Attorney
Set-off
Assignment
Confidentiality
Notices
Costs and Expenses
Indemnity
Currency
Payments
Tax
Change in Circumstances
Evidence and Calculations
Amendments and Waivers
Severability
Counterparts
Governing Law
Dispute Resolution
Facility Terms
Conditions Precedent
Drawdown
Interest
Repayment
Security Creation
Cross-Default
Cross-Collateralization
Representations and Warranties
Positive Covenants
Negative Covenants
Financial Covenants
Information Covenants
Events of Default
Enforcement
Security Power of Attorney
Set-off
Assignment
Confidentiality
Notices
Costs and Expenses
Indemnity
Currency
Payments
Tax
Change in Circumstances
Evidence and Calculations
Amendments and Waivers
Severability
Counterparts
Governing Law
Dispute Resolution
Relevant Industries
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Trading and Distribution
Construction
Agriculture
Technology and Communications
Healthcare
Education
Hospitality and Tourism
Infrastructure Development
Retail
Energy and Utilities
Transportation and Logistics
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Islamic Banking
Security Documentation
Operations
Risk Management
Company Secretarial
Relationship Management
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Banking Lawyer
Compliance Officer
Risk Manager
Credit Manager
Treasury Manager
Finance Manager
Company Secretary
Banking Operations Manager
Relationship Manager
Credit Analyst
Security Documentation Officer
Islamic Banking Officer
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