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1. Parties: Identification of the finance provider and borrower(s), including full legal names and addresses
2. Background: Context of the financing arrangement, purpose of the facility, and basic commercial terms
3. Definitions: Comprehensive definitions of terms used throughout the agreement, including Arabic translations of key terms where necessary
4. Facility Details: Detailed description of the financing facility, amount, purpose, and drawdown mechanisms
5. Conditions Precedent: Prerequisites that must be satisfied before the facility becomes available
6. Repayment Terms: Payment schedule, method of payment, and prepayment provisions
7. Interest/Profit Rate: Specification of interest or profit rate (for Islamic facilities), calculation methods, and payment periods
8. Security: Details of any security or collateral provided to secure the facility
9. Representations and Warranties: Standard and transaction-specific declarations by the borrower
10. Covenants: Positive and negative obligations of the borrower during the facility period
11. Events of Default: Circumstances constituting default and consequences thereof
12. Undertakings: Specific promises and commitments made by the borrower
13. Fees and Expenses: All applicable fees, charges, and cost allocation
14. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction clause
15. Notices: Communication methods and contact details for formal notices
1. Islamic Finance Provisions: Required if the facility is Sharia-compliant, including specific Islamic structure (Murabaha, Ijara, etc.)
2. Guarantee: Required if there are third-party guarantors for the facility
3. Insurance: Required if specific insurance coverage is mandatory for the facility
4. Assignment and Transfer: Required if the facility may be transferred or syndicated
5. Tax Provisions: Required if there are specific tax implications or VAT considerations
6. Currency Provisions: Required for facilities involving multiple currencies
7. Agency Provisions: Required for syndicated facilities with an agent bank
8. Account Bank Provisions: Required if specific account maintenance and operation requirements exist
1. Facility Summary: Detailed commercial terms including facility amount, tenor, pricing
2. Conditions Precedent Documents: List of required documentation and conditions
3. Form of Drawdown Notice: Template for borrower to request disbursement
4. Repayment Schedule: Detailed amortization or payment schedule
5. Security Documents: Forms of security documents and perfection requirements
6. Form of Compliance Certificate: Template for periodic compliance reporting
7. Fees Schedule: Detailed breakdown of all applicable fees and charges
8. Authorized Signatories: List of authorized representatives and specimen signatures
9. Form of Transfer Certificate: Template for transferring interests in the facility
10. Know Your Customer Requirements: List of required KYC documentation under UAE law
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Compliance
Risk Management
Credit
Corporate Banking
Islamic Banking
Operations
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Investment
Documentation
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Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
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