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1. Parties: Identification of the Lender (Payee) and Borrower (Maker) with full legal names and addresses
2. Background: Brief context of the credit arrangement and relationship between parties
3. Definitions: Key terms used throughout the document including 'Credit Limit', 'Interest Rate', 'Draw Period', 'Payment Date'
4. Promise to Pay: Unconditional promise to pay the principal amount drawn plus interest, stating the maximum credit limit
5. Interest Rate and Calculation: Specification of the interest rate (fixed or variable) and calculation method
6. Draw Period and Conditions: Terms governing when and how the borrower can draw on the credit line
7. Repayment Terms: Details of minimum payments, payment schedule, and method of payment
8. Events of Default: Circumstances that constitute default and consequences thereof
9. Acceleration: Conditions under which the entire outstanding amount becomes immediately due
10. Governing Law: Specification of Malaysian law as governing law and jurisdiction
11. Execution: Signature blocks and execution requirements including witness provisions
1. Security: Details of any collateral or security provided - include when the credit line is secured
2. Guarantor Provisions: Terms relating to guarantors - include when there are third-party guarantors
3. Insurance Requirements: Mandatory insurance coverage - include when specific insurance is required
4. Draw Procedures: Detailed procedures for requesting draws - include for complex corporate arrangements
5. Representations and Warranties: Borrower's declarations about their financial condition - include for larger credit facilities
6. Covenants: Ongoing obligations of the borrower - include for business loans
7. Assignment: Terms governing transfer of the note - include when transferability is important
8. Late Payment Provisions: Additional charges for late payments - include when applicable under facility terms
1. Draw Request Form: Standard form for requesting draws under the facility
2. Repayment Schedule: Template or actual schedule of minimum payments and due dates
3. Interest Rate Calculation Examples: Examples showing how interest is calculated in various scenarios
4. Security Details: Details of any collateral or security if applicable
5. Fee Schedule: Breakdown of all applicable fees including processing fees, late payment fees
6. Authorized Signatories: List of persons authorized to request draws (for corporate borrowers)
Available Credit
Draw
Draw Date
Draw Period
Draw Request
Business Day
Default Interest Rate
Interest Payment Date
Interest Period
Interest Rate
Maturity Date
Outstanding Balance
Payment Date
Principal Amount
Repayment Schedule
Standard Interest Rate
Identity Card
Security
Security Document
Event of Default
Ringgit Malaysia
Facility
Authorized Signatory
Banking Day
Company Registration Number
Draw Notice
Advance
Material Adverse Effect
Permitted Purpose
Related Corporation
Taxation
Interest
Revolving Facility
Draw Conditions
Repayment
Security
Default
Acceleration
Representations
Warranties
Covenants
Force Majeure
Assignment
Transferability
Notice
Stamp Duty
Governing Law
Jurisdiction
Indemnification
Fees and Charges
Amendment
Severability
Entire Agreement
Counterparts
Confidentiality
Set-Off
Currency
Time of Essence
Waiver
Further Assurance
Banking and Financial Services
Real Estate
Manufacturing
Retail
Construction
Technology
Healthcare
Agriculture
Trading and Commerce
Professional Services
Small and Medium Enterprises
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Business Development
Operations
Documentation
Risk Management
Chief Financial Officer
Finance Director
Treasury Manager
Credit Officer
Loan Officer
Corporate Banker
Financial Controller
Risk Manager
Legal Counsel
Compliance Officer
Business Development Manager
Account Manager
Corporate Secretary
Financial Analyst
Credit Risk Analyst
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