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1. Parties: Identification of the creditor and debtor with complete legal names and addresses
2. Background: Context of the credit relationship and purpose of the agreement
3. Definitions: Definitions of key terms used throughout the agreement
4. Credit Facility: Details of the credit amount, type and purpose of the facility
5. Interest Rate and Charges: Specification of applicable interest rates, calculation method, and other charges
6. Repayment Terms: Payment schedule, method of payment, and repayment obligations
7. Security: Details of any collateral or security provided for the credit facility
8. Representations and Warranties: Statements of fact and assurances from the debtor
9. Covenants: Ongoing obligations and restrictions on the debtor
10. Events of Default: Circumstances constituting default and consequences
11. Remedies: Rights and remedies available to the creditor in case of default
12. Governing Law: Specification of Pakistani law as governing law and jurisdiction
13. Notices: Process for sending formal communications between parties
14. Miscellaneous: Standard boilerplate provisions including amendments, assignment, and severability
1. Islamic Banking Compliance: Required when the credit facility needs to be Shariah-compliant
2. Guarantor Provisions: Include when a third-party guarantor is involved in the credit facility
3. Insurance Requirements: Include when specific insurance coverage is required for the credit facility or collateral
4. Cross-Default: Include when the agreement needs to reference other credit facilities or agreements
5. Financial Covenants: Include for business credits requiring specific financial performance metrics
6. Currency Provisions: Required when the credit facility involves foreign currency
7. Syndication Rights: Include when the creditor may want to syndicate the loan
8. Electronic Communications: Include when parties agree to use electronic means for formal communications
1. Schedule 1 - Facility Details: Detailed breakdown of credit facility amounts, purposes, and specific terms
2. Schedule 2 - Repayment Schedule: Detailed payment schedule with dates and amounts
3. Schedule 3 - Fee Schedule: Comprehensive list of all applicable fees and charges
4. Schedule 4 - Security Details: Detailed description of all security or collateral
5. Schedule 5 - Conditions Precedent: List of conditions to be satisfied before facility becomes available
6. Appendix A - Form of Drawdown Notice: Standard form for requesting drawdown under the facility
7. Appendix B - Compliance Certificate: Template for periodic compliance certification
8. Appendix C - Security Documentation: Forms of security documents required under the agreement
Applicable Law
Availability Period
Business Day
Charges
Collateral
Conditions Precedent
Credit Facility
Credit Limit
Default
Default Rate
Drawdown
Drawdown Notice
Due Date
Effective Date
Events of Default
Facility Period
Financial Indebtedness
Financial Statements
Force Majeure
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Islamic Banking Terms
Late Payment Charges
Legal Process
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Payment Date
Permitted Purpose
Principal Amount
Refinancing
Repayment Schedule
Security
Security Documents
Security Interest
State Bank
Subsidiary
Substantial Shareholders
Taxes
Term
Transaction Documents
Interest and Charges
Repayment
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Payment Terms
Set-off Rights
Assignment
Force Majeure
Indemnification
Confidentiality
Amendment
Notices
Governing Law
Dispute Resolution
Severability
Entire Agreement
Third Party Rights
Waiver
Islamic Banking Compliance
Documentation
Financial Statements
Insurance
Inspection Rights
Taxes
Currency Provisions
Banking and Financial Services
Commercial Real Estate
Manufacturing
Retail
Agriculture
Technology
Healthcare
Construction
Import/Export
Logistics
Hospitality
Education
Legal
Finance
Credit Risk
Compliance
Corporate Banking
Operations
Treasury
Islamic Banking
Risk Management
Document Processing
Relationship Management
Chief Financial Officer
Finance Manager
Credit Risk Manager
Legal Counsel
Compliance Officer
Relationship Manager
Credit Analyst
Treasury Manager
Corporate Banking Officer
Financial Controller
Risk Assessment Officer
Documents Officer
Branch Manager
Operations Manager
Islamic Banking Specialist
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