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1. Parties: Identification of lender(s) and borrower(s) with full legal names and addresses
2. Background: Brief context of the facility arrangement and purpose
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and interpretation rules
4. The Facilities: Details of the credit facilities being provided, including types, amounts, and purpose
5. Conditions Precedent: Prerequisites that must be satisfied before the facility can be drawn
6. Drawdown: Procedures and requirements for drawing down the facilities
7. Interest: Interest rates, calculation methods, and payment terms
8. Repayment: Terms and schedule for repayment of the facilities
9. Fees and Expenses: All fees, costs, and expenses payable under the facility
10. Representations and Warranties: Standard representations and warranties given by the borrower
11. Covenants: Positive and negative undertakings of the borrower
12. Events of Default: Circumstances constituting default and consequences
13. Changes to Parties: Provisions regarding assignment and transfer rights
14. Payments: Payment mechanics, currency, and set-off rights
15. Notices: Communication requirements and contact details
16. General Provisions: Miscellaneous legal provisions including amendments, waivers, severability
17. Governing Law and Jurisdiction: Hong Kong law as governing law and jurisdiction provisions
1. Security: Required if the facility is secured - details of security arrangements and enforcement rights
2. Guarantee: Required if there are guarantors - terms of guarantee and indemnity
3. Syndication Provisions: Required for syndicated facilities - includes majority lender decisions and agent provisions
4. Market Disruption: Required for HIBOR-based facilities - provisions dealing with market disruption events
5. Increased Costs and Tax Gross-Up: Required for corporate borrowers - provisions dealing with changes in law or tax affecting the facility
6. Set-Off Rights: Optional enhanced set-off rights for the lender
7. Special Drawing Conditions: Required for specialized facilities like revolving credits or trade finance
8. Corporate Requirements: Required for corporate borrowers - specific corporate representations and undertakings
1. Facility Terms: Detailed commercial terms including facility limits, interest rates, fees, and repayment schedule
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied before drawdown
3. Form of Drawdown Request: Standard form for borrower to request drawdown of facilities
4. Form of Compliance Certificate: Template for periodic compliance certification by borrower
5. Security Documents: List and copies of security documents if facility is secured
6. Repayment Schedule: Detailed amortization schedule if term loan
7. Fee Schedule: Detailed breakdown of all fees and charges
8. Form of Transfer Certificate: Standard form for transfer of participation in the facility
9. Contact Details: Complete contact information for all parties and their authorized representatives
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Trading and Commerce
Technology and Innovation
Construction
Retail
Healthcare
Education
Hospitality and Tourism
Transportation and Logistics
Professional Services
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Banking
Operations
Company Secretarial
Internal Audit
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Banker
Relationship Manager
Credit Risk Manager
Legal Counsel
Compliance Officer
Financial Controller
Credit Analyst
Loan Officer
Corporate Secretary
Risk Manager
Banking Operations Manager
Finance Manager
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