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1. Islamic Finance Provisions: Required if the loan is Sharia-compliant, detailing the Islamic structure used (e.g., Murabaha, Ijara)

2. Currency Protection: Required for loans in foreign currencies, addressing exchange rate risks and conversion provisions

3. Insurance: Required when specific insurance coverage is mandatory for the loan or collateral

4. Assignment and Transfer: Include when the bank requires rights to assign or transfer the loan

5. Syndication Provisions: Required for syndicated loans involving multiple lenders

6. Environmental Compliance: Required for project financing or when environmental risks are relevant

7. Anti-Money Laundering: Additional provisions for high-value loans or when required by UAE Central Bank regulations

8. Force Majeure: Optional provisions for unforeseen circumstances affecting loan performance

1. Schedule 1 - Facility Terms: Detailed breakdown of loan amount, interest rates, fees, and payment schedules

2. Schedule 2 - Conditions Precedent: List of documents and conditions required before loan drawdown

3. Schedule 3 - Drawdown Notice: Form of drawdown request to be used by borrower

4. Schedule 4 - Security Documents: List and copies of all security documents

5. Schedule 5 - Repayment Schedule: Detailed amortization schedule showing all payment dates and amounts

6. Schedule 6 - Financial Covenants: Specific financial ratios and requirements to be maintained

7. Appendix A - Form of Compliance Certificate: Template for periodic compliance reporting

8. Appendix B - Security Perfection Requirements: List of actions required to perfect security under UAE law