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1. Parties: Identification of the lender (financial institution) and borrower(s) with complete details
2. Background: Context of the credit facility and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement
4. Credit Facility Details: Principal amount, purpose, and type of credit facility being extended
5. Interest Rate and Charges: Applicable interest rates, method of calculation, and other charges
6. Repayment Terms: Installment amounts, payment schedule, and method of payment
7. Conditions Precedent: Conditions that must be satisfied before the credit facility becomes effective
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Ongoing obligations of the borrower during the term of the agreement
10. Events of Default: Circumstances that constitute default and consequences thereof
11. Security: Details of collateral or security provided for the credit facility
12. Notices: Process for sending and receiving formal communications
13. Governing Law and Jurisdiction: Applicable law and courts having jurisdiction
14. Miscellaneous: Standard boilerplate provisions including amendments, waivers, and severability
1. Islamic Banking Provisions: Required when the credit facility needs to comply with Islamic banking principles
2. Guarantor Provisions: Required when a third party is providing a guarantee for the credit facility
3. Insurance: Required when specific insurance coverage is mandatory for the credit facility
4. Special Purpose Vehicle: Required when the credit facility involves creation or use of an SPV
5. Cross-Default: Required when the agreement needs to be linked to other credit facilities
6. Assignment and Transfer: Required when the lender may need to assign or transfer the credit facility
7. Force Majeure: Optional provisions for unforeseeable circumstances affecting performance
1. Schedule 1 - Payment Schedule: Detailed breakdown of installment amounts and due dates
2. Schedule 2 - Security Details: Detailed description of collateral or security arrangements
3. Schedule 3 - Conditions Precedent Documents: List of documents required before disbursement
4. Schedule 4 - Fee Schedule: Breakdown of all applicable fees and charges
5. Schedule 5 - Form of Disbursement Request: Standard format for requesting disbursement of the credit facility
6. Schedule 6 - Compliance Certificate: Format for periodic compliance certification by borrower
7. Appendix A - Definitions: Detailed definitions of terms used in the agreement
8. Appendix B - Security Documents: Forms of security documents to be executed
Applicable Law
Applicable Rate
Authorization
Available Facility
Banking Day
Borrower
Business Day
Charged Assets
Conditions Precedent
Credit Facility
Default Rate
Default Event
Disbursement
Disbursement Date
Encumbrance
Facility Amount
Financial Indebtedness
Financial Statements
Force Majeure Event
Guarantor
Installment
Interest Period
Interest Rate
Lender
Material Adverse Effect
Maturity Date
Outstanding Amount
Payment Date
Permitted Security Interest
Principal Amount
Prudential Regulations
Repayment Schedule
Security
Security Documents
Security Interest
Security Provider
State Bank
Tax
Transaction Documents
Facility Terms
Purpose
Disbursement
Interest
Fees and Charges
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Events of Default
Remedies
Set-off
Assignment
Force Majeure
Notices
Amendments
Severability
Indemnification
Confidentiality
Anti-Money Laundering
Islamic Banking Compliance
Governing Law
Dispute Resolution
Entire Agreement
Counterparts
Further Assurance
Waiver
Time of Essence
Banking and Financial Services
Real Estate
Manufacturing
Retail
Agriculture
Technology
Healthcare
Education
Construction
Automotive
Small and Medium Enterprises
Transportation and Logistics
Energy and Utilities
Telecommunications
Legal
Finance
Risk Management
Compliance
Credit Operations
Corporate Banking
Retail Banking
Documentation
Treasury
Internal Audit
Operations
Chief Financial Officer
Finance Manager
Legal Counsel
Credit Manager
Risk Manager
Compliance Officer
Banking Operations Manager
Credit Analysis Officer
Corporate Banking Officer
Relationship Manager
Legal Documentation Officer
Treasury Manager
Financial Controller
Branch Manager
Loan Officer
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