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1. Parties: Identification of the lender, borrower, and any guarantors or security providers
2. Background: Details of existing facility/facilities being refinanced and purpose of refinancing
3. Definitions: Definitions of terms used throughout the agreement, including existing facility documents and new facility terms
4. Refinancing Facility: Terms of the new facility including amount, purpose, interest rate, and repayment terms
5. Conditions Precedent: Conditions that must be satisfied before the refinancing becomes effective
6. Settlement of Existing Facility: Mechanism and process for settling the existing facility
7. Security Arrangements: Provisions regarding existing and new security, including transition arrangements
8. Representations and Warranties: Standard and specific representations and warranties from the borrower
9. Covenants: Positive and negative covenants applicable to the borrower
10. Events of Default: Circumstances constituting default and consequences
11. Payments and Calculations: Payment mechanics, calculation of interest, fees and other amounts
12. General Provisions: Standard boilerplate clauses including notices, amendments, governing law
1. Islamic Banking Provisions: Required if the refinancing is structured as an Islamic banking facility
2. Property Provisions: Required if real property forms part of the security package
3. Guarantee: Required if there are guarantors for the facility
4. Insurance: Detailed insurance requirements if specific insurance coverage is required
5. Assignment and Transfer: Required if the lender wishes to have the right to assign or transfer the facility
6. Multiple Lenders: Required if the refinancing involves a syndicate of lenders
7. Foreign Currency Provisions: Required if the facility involves foreign currency
1. Existing Facility Details: Details of all facilities being refinanced, including outstanding amounts
2. Conditions Precedent Documents: List of all required documents and conditions to be satisfied
3. Security Documents: List and copies of all security documents being maintained or newly created
4. Repayment Schedule: Detailed schedule of repayment dates and amounts
5. Form of Notices: Standard form notices including drawdown notice, compliance certificate
6. Fees and Charges: Detailed breakdown of all fees and charges applicable
7. Property Schedule: Details of any properties forming part of the security (if applicable)
Existing Facility Agreement
Existing Lender
Existing Security
New Facility
Facility Amount
Drawdown Date
Completion Date
Interest Rate
Default Rate
Security Documents
Security Interest
Secured Property
Repayment Date
Business Day
Bank Negara Malaysia
Conditions Precedent
Default Event
Designated Account
Effective Date
Encumbrance
Financial Indebtedness
Financial Statements
Governing Law
Interest Period
Material Adverse Effect
Refinancing Amount
Security Provider
Settlement Amount
Stamp Duty
Tax
Working Day
Guarantee
Guarantor
Legal Assignment
Charge
Facility Agreement
Repayment Schedule
Interest Payment Date
Outstanding Amount
Permitted Security Interest
Property
Registration
Security Agent
Deed of Assignment
Power of Attorney
Ringgit Malaysia
Margin
Secured Obligations
Transaction Documents
Facility Terms
Conditions Precedent
Drawdown
Repayment
Interest
Security
Representations and Warranties
Covenants
Events of Default
Indemnification
Assignment
Notices
Confidentiality
Force Majeure
Default Interest
Set-off
Payment Mechanics
Stamp Duty
Costs and Expenses
Amendment
Waiver
Severability
Counterparts
Governing Law
Dispute Resolution
Further Assurance
Time of Essence
Entire Agreement
Third Party Rights
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Construction
Hospitality and Tourism
Agriculture
Mining and Resources
Retail and Commercial
Infrastructure
Healthcare
Education
Transportation and Logistics
Legal
Finance
Treasury
Corporate Finance
Risk Management
Compliance
Credit Administration
Company Secretarial
Banking Operations
Senior Management
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Finance Manager
Legal Counsel
Company Secretary
Financial Controller
Credit Manager
Risk Manager
Compliance Officer
Banking Relationship Manager
Loan Officer
Corporate Banking Manager
Deputy CEO
Managing Director
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