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1. Parties: Identifies and defines the three parties: the Bank (Lender), the Borrower, and the third party (typically Guarantor or Security Provider)
2. Background: Explains the context of the agreement, including the purpose of the loan and the role of each party
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. Facility Terms: Details of the loan facility including amount, interest rate, tenure, and purpose
5. Conditions Precedent: Conditions that must be satisfied before the loan facility becomes available
6. Drawdown Mechanics: Procedures and requirements for drawing down the loan facility
7. Repayment Terms: Payment schedule, method of payment, and prepayment provisions
8. Interest and Fees: Detailed provisions on interest calculation, payment periods, and applicable fees
9. Security Arrangements: Details of security/collateral provided and maintenance requirements
10. Representations and Warranties: Statements of fact and assurances given by each party
11. Covenants: Positive and negative obligations of each party during the loan tenure
12. Events of Default: Circumstances constituting default and consequences thereof
13. Rights and Obligations: Specific rights and obligations of each party in the tripartite arrangement
14. Termination: Circumstances and procedures for terminating the agreement
15. General Provisions: Standard clauses including notices, amendments, governing law, etc.
1. Islamic Banking Provisions: Required if the loan is Shariah-compliant, including relevant Islamic banking principles and requirements
2. Currency Exchange Provisions: Needed for loans involving foreign currency or multiple currency options
3. Insurance: Required when specific insurance coverage is mandatory for the loan facility
4. Assignment and Transfer: Include when the loan may be assignable or transferable
5. Cross Default: Relevant when there are other facilities or agreements that could trigger default
6. Security Trustee Provisions: Required when a security trustee structure is used
7. Subordination Provisions: Needed when there are multiple lenders or existing loans requiring priority arrangement
1. Schedule 1 - Facility Terms and Conditions: Detailed breakdown of the facility amount, interest rates, fees, and other key terms
2. Schedule 2 - Conditions Precedent Documents: List of all required documents and conditions to be satisfied
3. Schedule 3 - Security Documents: List and details of all security documents required
4. Schedule 4 - Drawdown Notice Format: Template for drawdown requests
5. Schedule 5 - Repayment Schedule: Detailed payment schedule including dates and amounts
6. Schedule 6 - Form of Notices: Standard formats for various notices under the agreement
7. Appendix A - Property Details: If property is involved, detailed description of the secured property
8. Appendix B - Calculation of Interest and Fees: Detailed methodology for calculating interest and other charges
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Construction
Infrastructure
Commercial Real Estate
Retail
Healthcare
Education
Hospitality
Agriculture
Technology
Industrial Development
Legal
Finance
Corporate Banking
Risk Management
Compliance
Treasury
Credit Assessment
Operations
Company Secretarial
Property Management
Business Development
Investment
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Bank Manager
Credit Risk Manager
Loan Officer
Compliance Officer
Company Secretary
Treasury Manager
Financial Controller
Risk Management Officer
Banking Relationship Manager
Corporate Banking Manager
Property Development Manager
Investment Manager
Business Development Director
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