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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Recitals explaining the context and purpose of the agreement
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and rules of interpretation
4. The Facility: Core terms of the lending facility including amount, purpose, and availability
5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
6. Drawdown: Procedures and requirements for requesting and receiving loan disbursements
7. Interest: Interest rate, calculation method, and payment provisions
8. Repayment: Terms and schedule for repayment of the loan
9. Prepayment: Provisions for early repayment and any associated fees
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Ongoing obligations of the borrower during the loan term
12. Events of Default: Circumstances constituting default and consequences
13. Changes to Parties: Provisions for assignment and transfer of rights
14. Payments: Payment mechanics, currency, and tax provisions
15. Notices: Communication procedures between parties
16. General Provisions: Boilerplate clauses including severability, entire agreement, etc.
17. Governing Law and Jurisdiction: Nigerian law as governing law and jurisdiction provisions
1. Security: Details of any security or collateral arrangements - include if the loan is secured
2. Guarantee: Terms of any guarantee arrangements - include if there are guarantors
3. Multiple Borrower Provisions: Special provisions for multiple borrowers - include if more than one borrower
4. Currency Provisions: Special provisions for foreign currency loans - include for non-Naira facilities
5. Islamic Banking Provisions: Specific provisions for Sharia-compliant financing - include for Islamic banking facilities
6. Increased Costs: Provisions for dealing with regulatory changes affecting the lender's costs - include for longer-term facilities
7. Market Disruption: Provisions dealing with market disruption events - include for facilities with floating rates
8. Anti-Money Laundering: Specific AML provisions - include for high-value facilities or high-risk borrowers
1. Form of Drawdown Notice: Standard form for requesting loan disbursements
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Form of Transfer Certificate: Standard form for transferring rights under the agreement
5. Security Documents: Forms of security documents and collateral agreements
6. Fees and Charges: Detailed breakdown of all applicable fees and charges
7. Approved Purpose: Detailed description of permitted use of loan proceeds
8. Contact Details: List of authorized representatives and contact information
Account
Additional Facility
Affiliate
Applicable Law
Availability Period
Available Commitment
Banking Day
Borrower
Break Costs
Business Day
CBN
Change of Control
Commitment
Compliance Certificate
Conditions Precedent
Confidential Information
Default
Default Interest
Default Rate
Disruption Event
Drawdown Date
Drawdown Notice
Enforcement Event
Event of Default
Facility
Facility Documents
Facility Limit
Finance Documents
Financial Indebtedness
Financial Statements
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Naira
Obligor
Outstanding Amount
Permitted Security
Potential Event of Default
Prepayment Amount
Principal Amount
Repayment Date
Repayment Schedule
Representatives
Security
Security Documents
Security Interest
Security Provider
Taxes
Term
Total Commitments
Transfer
Transfer Certificate
Utilization
Utilization Date
Utilization Request
Interpretation
Facility Terms
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Assignment and Transfer
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Counterparts
Severability
Force Majeure
Anti-Money Laundering
Sanctions Compliance
Data Protection
Governing Law
Dispute Resolution
Indemnification
Costs and Expenses
Tax Provisions
Currency Provisions
Multiple Borrowers
Agency Provisions
Entire Agreement
Third Party Rights
Banking & Financial Services
Manufacturing
Real Estate & Construction
Oil & Gas
Telecommunications
Agriculture
Healthcare
Retail & Consumer Goods
Technology
Infrastructure
Mining
Transportation & Logistics
Power & Energy
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Corporate Finance
Company Secretariat
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Credit Risk Manager
Relationship Manager
Corporate Banking Officer
Loan Officer
Financial Controller
Company Secretary
Risk Manager
Corporate Finance Manager
Banking Operations Manager
Credit Analyst
Transaction Manager
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