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1. Parties: Identification of the lender(s) and borrower(s), including their legal names, registration details, and addresses
2. Background: Brief context of the financing arrangement and purpose of the facility
3. Definitions: Key terms used throughout the term sheet
4. Facility Type and Amount: Description of the type of facility (term loan, revolving credit, etc.) and the principal amount
5. Purpose: Specified use of the loan proceeds
6. Interest Rate and Fees: Details of interest rate, calculation method, and all applicable fees
7. Tenor and Repayment: Loan duration and repayment schedule
8. Security Structure: Overview of collateral and security arrangements
9. Key Covenants: Essential financial and non-financial covenants
10. Conditions Precedent: Key conditions to be satisfied before drawdown
11. Events of Default: List of standard events of default
12. Governing Law: Specification of Pakistani law as governing law and jurisdiction
13. Binding Effect: Statement on which terms are legally binding and which are subject to further documentation
1. Syndication Provisions: Required when the facility may be syndicated to multiple lenders
2. Islamic Finance Structure: Needed when the financing needs to be Shariah-compliant
3. Foreign Currency Provisions: Required for facilities involving foreign currency
4. Group Structure: Necessary when dealing with complex corporate groups or multiple borrowers
5. Hedging Requirements: Include when interest rate or currency hedging is mandatory
6. Intercreditor Provisions: Required when there are multiple creditors or existing facilities
7. Security Sharing: Needed when security is shared with other facilities
8. Green Financing Provisions: Include for environmentally-focused or sustainable financing
1. Term Sheet Summary: One-page summary of key commercial terms
2. Fee Schedule: Detailed breakdown of all fees and charges
3. Repayment Schedule: Indicative repayment schedule with dates and amounts
4. Security Assets Schedule: List of assets to be provided as security
5. Corporate Structure Chart: Diagram showing relevant corporate relationships
6. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
7. Conditions Precedent Checklist: Detailed list of required documents and conditions
8. Required Authorizations: List of regulatory and corporate approvals needed
Interest Rate
Fees and Charges
Purpose
Availability
Repayment Terms
Security
Conditions Precedent
Representations and Warranties
Financial Covenants
Information Covenants
General Undertakings
Events of Default
Prepayment
Increased Costs
Tax Provisions
Confidentiality
Assignment and Transfer
Costs and Expenses
Notices
Governing Law
Jurisdiction
Regulatory Compliance
Currency Provisions
Documentation Requirements
Security Perfection
Set-off Rights
Force Majeure
Amendment and Waiver
Severability
Market Disruption
Syndication Rights
Indemnification
Stamp Duty
Registration Requirements
Banking & Financial Services
Manufacturing
Real Estate & Construction
Energy & Utilities
Technology & Telecommunications
Healthcare & Pharmaceuticals
Agriculture & Food Processing
Infrastructure & Transportation
Retail & Consumer Goods
Mining & Natural Resources
Education
Hospitality & Tourism
Legal
Finance
Treasury
Credit Risk
Corporate Banking
Compliance
Company Secretarial
Transaction Management
Project Finance
Investment Banking
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Finance Manager
Legal Counsel
Relationship Manager
Credit Risk Manager
Investment Banking Director
Financial Controller
Company Secretary
Compliance Officer
Corporate Banking Manager
Transaction Manager
Senior Loan Officer
Project Finance Manager
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