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1. Parties: Identification of the lender and borrower, including full legal names and addresses
2. Background: Context of the agreement and general purpose of the margin lending facility
3. Definitions: Detailed definitions of terms used throughout the agreement, including financial terms specific to margin lending
4. Facility Establishment: Terms and conditions for establishing the margin lending facility, including credit limits and account setup
5. Security Arrangements: Details of security requirements, including approved securities and maintenance of collateral
6. Margin Requirements: Specification of initial and ongoing margin requirements, calculation methods, and margin calls
7. Interest and Fees: Interest rates, calculation methods, fees, and charges applicable to the facility
8. Drawdown and Repayment: Procedures and conditions for drawing down the facility and making repayments
9. Events of Default: Circumstances constituting default and consequences thereof
10. Rights and Obligations: Key rights and obligations of both parties, including reporting requirements
11. Representations and Warranties: Standard representations and warranties from both parties
12. Term and Termination: Duration of the agreement and circumstances for termination
13. General Provisions: Standard legal provisions including notices, amendments, and governing law
1. Guarantees: Required when a third-party guarantee is provided for the margin lending facility
2. Multiple Borrowers: Include when the facility is extended to joint borrowers or corporate entities with multiple stakeholders
3. Foreign Currency Provisions: Required when the facility allows for multiple currency denominations
4. Online Access and Trading: Include when electronic trading and account access facilities are provided
5. Nominee Arrangements: Required when securities are held by a nominee company
6. Broker Integration: Include when the facility is integrated with specific broker arrangements
7. Portfolio Management: Required when offering managed portfolio services alongside margin lending
1. Schedule 1 - Approved Securities: List of securities acceptable as collateral and their respective margin ratios
2. Schedule 2 - Fee Schedule: Detailed breakdown of all fees, charges, and interest rates
3. Schedule 3 - Calculation Methods: Detailed methodology for calculating margin requirements, buffer, and loan-to-value ratios
4. Schedule 4 - Account Operating Instructions: Procedures for operating the margin lending account, including trading and settlement
5. Schedule 5 - Risk Disclosure: Detailed disclosure of risks associated with margin lending
6. Appendix A - Account Opening Forms: Required forms and documentation for account establishment
7. Appendix B - Direct Debit Authority: Authorization for direct debiting of linked accounts
Account
Adjustment Event
Approved Market
Associated Costs
Authorised Person
Available Credit
Buffer
Business Day
Cash Account
Collateral
Credit Limit
Default Event
Default Rate
Enforcement Expenses
Event of Default
Facility
Facility Balance
FMA
Gearing Ratio
GST
Guarantor
Initial Margin
Interest Payment Date
Interest Period
Interest Rate
Lending Ratio
Loan Purpose
Loan-to-Value Ratio
Margin Call
Margin Loan
Margin Requirements
Market Value
Nominated Account
Portfolio
Portfolio Value
Protected Portfolio Value
Reference Rate
Secured Property
Security Interest
Settlement Date
Sponsored Holdings
Standard Margin Lending Rate
Term
Total Amount Owing
Trading Day
Transaction
Undrawn Amount
Valuation
Credit Limit
Purpose
Security Interest
Margin Requirements
Interest and Fees
Representations and Warranties
Drawdown
Repayment
Margin Calls
Events of Default
Enforcement
Risk Disclosure
Client Acknowledgments
Portfolio Valuation
Trading Authorization
Account Operation
Payment Mechanics
Guarantees
Set-off Rights
Client Undertakings
Lender Rights
Notices
Confidentiality
Privacy
Assignment
Amendment
Termination
Dispute Resolution
Governing Law
Force Majeure
Severability
Entire Agreement
Electronic Communication
Anti-Money Laundering
Costs and Expenses
Banking
Financial Services
Investment Management
Wealth Management
Stockbroking
Private Banking
Securities Trading
Asset Management
Consumer Finance
Legal
Compliance
Risk Management
Credit
Wealth Management
Operations
Client Services
Product Development
Trading
Portfolio Management
Documentation
Financial Advisory
Credit Manager
Risk Officer
Compliance Officer
Legal Counsel
Relationship Manager
Investment Advisor
Financial Advisor
Portfolio Manager
Credit Analyst
Operations Manager
Product Manager
Wealth Manager
Trading Manager
Client Services Manager
Documentation Specialist
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