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1. Parties: Identification of the lender and borrower, including full legal names, registration details, and addresses
2. Background: Context of the agreement, relationship between parties, and purpose of the master agreement framework
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and rules of interpretation
4. Facility Terms: Core terms of the loan facility, including type, purpose, and general conditions
5. Drawdown Mechanics: Procedures and conditions for requesting and receiving loan disbursements
6. Interest and Fees: Interest calculation methodology, applicable rates, and fee structures
7. Repayment Terms: General repayment obligations, scheduling, and prepayment provisions
8. Representations and Warranties: Standard declarations made by the borrower regarding their legal and financial status
9. Covenants: Ongoing obligations of the borrower, including financial covenants and reporting requirements
10. Events of Default: Circumstances constituting default and consequences thereof
11. Security: General security structure and enforcement rights
12. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Islamic Finance Provisions: Additional provisions for Sharia compliance, used when the facility needs to be Sharia-compliant
2. Syndication Provisions: Provisions for syndicated lending arrangements, used when multiple lenders are involved
3. Currency Provisions: Special provisions for multi-currency facilities
4. Increased Costs and Tax Provisions: Detailed provisions for handling regulatory changes and tax implications
5. Agency Provisions: Required when an agent bank is appointed to manage the facility
6. Market Disruption: Provisions dealing with market disruption events, particularly relevant for EIBOR-based facilities
7. Assignment and Transfer: Detailed provisions for transferring or assigning rights under the agreement
1. Form of Drawdown Notice: Standard form for requesting loan disbursements
2. Form of Compliance Certificate: Template for periodic compliance certification by the borrower
3. Conditions Precedent: Detailed list of required documents and conditions for initial and subsequent drawdowns
4. Pricing Schedule: Detailed breakdown of interest rates, margins, and fee calculations
5. Form of Transfer Certificate: Standard documentation for transferring interests in the facility
6. Repayment Schedule: Detailed repayment schedule template
7. Security Details: Comprehensive list and details of security arrangements
8. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
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Energy
Infrastructure
Transportation
Hospitality
Education
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Islamic Banking
Credit Administration
Operations
Transaction Management
Chief Financial Officer
Treasury Manager
Finance Director
Legal Counsel
Compliance Officer
Risk Manager
Credit Manager
Relationship Manager
Transaction Manager
Corporate Banking Manager
Islamic Banking Specialist
Financial Controller
Head of Legal
Chief Risk Officer
Corporate Finance Manager
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