The Loan Master Agreement is designed for use in South African lending transactions where parties anticipate an ongoing lending relationship with multiple loan facilities. It provides a standardized framework that complies with South African banking laws and regulations, including the National Credit Act and Financial Sector Regulation Act. The agreement typically includes comprehensive terms covering facility arrangements, drawdown procedures, interest calculations, security provisions, and default scenarios. It is particularly useful for corporate lending relationships where multiple loans may be required over time, as it eliminates the need to negotiate basic terms for each new loan facility. The document serves as the primary agreement governing the lending relationship, with specific loans being documented through supplemental drawdown notices or facility letters.
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1. Parties: Identification of the lender and borrower, including registration details and addresses
2. Background: Context of the agreement, relationship between parties, and purpose of the master agreement framework
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and rules of interpretation
4. Facility: Details of the loan facility, including type, purpose, and general terms
5. Drawdown Procedures: Process and requirements for requesting and receiving loan disbursements
6. Interest and Fees: Calculation and payment of interest, fees, and other charges
7. Repayment Terms: General terms for repayment of loans, including payment schedules and methods
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Ongoing obligations of the borrower throughout the term of the agreement
10. Events of Default: Circumstances constituting default and consequences thereof
11. Security: General provisions regarding security arrangements for loans
12. Boilerplate Clauses: Standard legal provisions including notices, amendments, governing law, etc.
1. Guarantees: Required when third-party guarantees are part of the security structure
2. Syndication Provisions: Included when multiple lenders may participate in the facility
3. Currency Provisions: Required for cross-border lending or multi-currency facilities
4. Tax Provisions: Detailed tax clauses needed for complex lending structures or cross-border transactions
5. Competition Law Compliance: Required when the loan may have competition law implications
6. Anti-Money Laundering Provisions: Enhanced AML provisions for high-risk lending relationships
7. Environmental Compliance: Required for loans to environmentally sensitive industries
1. Form of Drawdown Notice: Template for borrower to request loan disbursements
2. Conditions Precedent: List of documents and conditions required before first drawdown
3. Pricing Schedule: Detailed breakdown of interest rates, fees, and calculation methods
4. Form of Compliance Certificate: Template for periodic compliance reporting by borrower
5. Security Documents: List and copies of all security documents
6. Permitted Security Interests: List of pre-approved security interests
7. Reporting Requirements: Detailed requirements for financial and other reporting
8. Form of Transfer Certificate: Template for transferring loan participations
Relevant legal definitions
Clauses
Interpretation
Definitions
Facility Terms
Conditions Precedent
Drawdown
Interest
Fees
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Assignment and Transfer
Payment Mechanics
Set-off
Tax Gross-up
Increased Costs
Currency
Indemnities
Costs and Expenses
Notices
Calculations
Amendments and Waivers
Confidentiality
Data Protection
Anti-Money Laundering
Sanctions Compliance
Governing Law
Dispute Resolution
Severability
Force Majeure
Entire Agreement
Counterparts
Definitions
Facility Terms
Conditions Precedent
Drawdown
Interest
Fees
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Assignment and Transfer
Payment Mechanics
Set-off
Tax Gross-up
Increased Costs
Currency
Indemnities
Costs and Expenses
Notices
Calculations
Amendments and Waivers
Confidentiality
Data Protection
Anti-Money Laundering
Sanctions Compliance
Governing Law
Dispute Resolution
Severability
Force Majeure
Entire Agreement
Counterparts
Relevant Industries
Banking
Financial Services
Corporate Finance
Investment Banking
Commercial Banking
Private Equity
Asset Management
Real Estate
Manufacturing
Mining
Retail
Agriculture
Technology
Infrastructure
Energy
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Due Diligence
Operations
Deal Advisory
Documentation
Relationship Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Risk Manager
Credit Manager
Relationship Manager
Finance Manager
Banking Executive
Loan Officer
Corporate Banking Manager
Due Diligence Officer
Financial Controller
Investment Manager
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