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1. Parties: Identification of the lender and borrower, including full legal names and addresses
2. Background: Context of the agreement and relationship between the parties
3. Definitions: Comprehensive definitions of terms used throughout the agreement
4. Facility Details: Overview of credit facilities, including types, limits, and general terms
5. Conditions Precedent: Conditions that must be satisfied before credit becomes available
6. Representations and Warranties: Borrower's statements of fact and assurances about their business and financial condition
7. Covenants: Positive and negative obligations of the borrower during the term of the agreement
8. Events of Default: Circumstances constituting default and consequences thereof
9. Interest and Fees: Interest rate calculations, fee structures, and payment terms
10. Repayment Terms: Terms for repayment of principal and interest
11. Security: Overview of security requirements and cross-references to security documents
12. Administration: Operational aspects including notices, amendments, and administrative procedures
13. Governing Law: Specification of Canadian law as governing law and jurisdiction
14. Boilerplate Provisions: Standard legal provisions including severability, entire agreement, and assignment
1. Syndication Provisions: Include when multiple lenders are or may be involved in the credit facility
2. Multicurrency Provisions: Include when credit facilities are available in multiple currencies
3. Letter of Credit Facility: Include when the agreement includes letter of credit facilities
4. Increased Costs: Include for floating rate facilities or when regulatory changes might affect costs
5. Market Disruption: Include for facilities with market-based interest rates
6. Tax Provisions: Include detailed tax provisions when cross-border elements exist
7. Anti-Money Laundering Provisions: Include detailed AML provisions for higher-risk borrowers or complex structures
8. Environmental Compliance: Include for borrowers in industries with environmental risks
1. Schedule A - Definitions: Detailed definitions and interpretations
2. Schedule B - Drawdown Notice Form: Standard form for requesting advances under the facility
3. Schedule C - Compliance Certificate: Form for periodic certification of financial covenants and conditions
4. Schedule D - Facility Specific Terms: Detailed terms for each type of credit facility offered
5. Schedule E - Financial Covenants: Detailed financial covenants and calculation methodologies
6. Schedule F - Security Documents: List and forms of required security documents
7. Schedule G - Permitted Liens: List of pre-approved liens and encumbrances
8. Schedule H - Subsidiary Information: Details of borrower's subsidiaries and corporate structure
9. Appendix 1 - Pricing Grid: Interest rate and fee calculations based on financial metrics
10. Appendix 2 - Address for Notices: Contact details and notice requirements for all parties
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