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1. Parties: Identifies and defines the Lender and Borrower with full legal names and details
2. Background: Contextual information about the purpose of the loan and security arrangement
3. Definitions and Interpretation: Defines key terms and interpretation rules used throughout the agreement
4. Loan Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest and Fees: Specifies interest rate, calculation method, and applicable fees
6. Repayment Terms: Details of repayment schedule, method, and prepayment provisions
7. Security: Description of security granted and secured property
8. Representations and Warranties: Borrower's confirmations about their legal status and ability to enter the agreement
9. Undertakings: Ongoing obligations of the Borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Lender's rights and remedies upon default
12. General Provisions: Standard clauses including notices, amendments, governing law
13. Execution: Signing provisions and execution blocks
1. Guarantees: Required when there are third-party guarantors for the loan
2. Insurance Requirements: Detailed when specific insurance must be maintained over secured assets
3. Financial Covenants: Used for business loans requiring ongoing financial performance measures
4. Multiple Borrowers: Additional provisions for joint and several liability when multiple borrowers exist
5. Priority Arrangements: Required when there are multiple security interests or lenders
6. Special Conditions: For any unique terms specific to the particular loan arrangement
7. Appointment of Receiver: Detailed receiver provisions for larger commercial loans
1. Loan Terms Schedule: Specific financial terms including amount, interest rate, fees, and payment schedule
2. Security Details: Detailed description of all secured property and registration requirements
3. Drawdown Requirements: Conditions precedent and documentation required for drawdown
4. Disclosure Statement: Mandatory disclosure information required under CCCFA (if applicable)
5. Guarantor Details: Information about guarantors and their obligations (if applicable)
6. Direct Debit Authority: Payment authorization forms and bank account details
7. Insurance Requirements: Specific insurance policies and coverage requirements for secured assets
Advance
Agreement
Availability Period
Banking Day
Borrower
Business Day
Collateral
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown Date
Drawdown Notice
Due Date
Enforcement Event
Event of Default
Facility
Facility Limit
Financial Indebtedness
Financial Statements
Government Agency
Guarantee
Guarantor
Insolvency Event
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Obligations
Outstanding Amount
Payment Date
Permitted Security Interest
Personal Property Securities Register
PPSA
Principal
Receiver
Related Company
Repayment Date
Repayment Schedule
Secured Property
Security
Security Interest
Security Provider
Term
Term End Date
Unpaid Amount
Facility Establishment
Conditions Precedent
Drawdown
Interest
Fees and Charges
Repayment
Security Creation
Security Registration
Priority
Representations and Warranties
Undertakings
Financial Covenants
Insurance
Default
Enforcement
Assignment
Set-off
Guarantee
Indemnity
Notice
Confidentiality
Privacy
Further Assurance
Severability
Waiver
Amendment
Counterparts
Electronic Execution
Governing Law
Jurisdiction
Entire Agreement
Financial Services
Banking
Real Estate
Commercial Property
Agriculture
Manufacturing
Retail
Construction
Professional Services
Technology
Healthcare
Transport and Logistics
Legal
Credit
Risk Management
Compliance
Commercial Banking
Retail Banking
Collections
Security Administration
Finance
Operations
Document Management
Underwriting
Credit Manager
Loan Officer
Commercial Banking Manager
Risk Manager
Legal Counsel
Compliance Officer
Financial Controller
Credit Analyst
Banking Relationship Manager
Security Registration Officer
Collections Manager
Chief Financial Officer
Commercial Lawyer
Banking and Finance Lawyer
Document Specialist
Underwriter
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