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1. Parties: Identifies and defines all parties to the agreement, including lenders, borrowers, and any administrative agents
2. Background: Sets out the context of the agreement and the parties' intentions to enter into a loan sharing arrangement
3. Definitions: Defines key terms used throughout the agreement
4. Loan Details: Specifies the total loan amount, purpose, and sharing proportions between parties
5. Participation Mechanism: Details how the loan sharing arrangement works, including profit/loss sharing ratios
6. Payment Terms: Outlines payment schedules, profit distribution mechanism, and payment procedures
7. Rights and Obligations: Defines the rights and obligations of each party under the agreement
8. Representations and Warranties: Contains statements of fact and assurances from all parties
9. Sharia Compliance: Confirms compliance with Islamic finance principles and structures
10. Security: Details any security or collateral arrangements supporting the loan
11. Events of Default: Lists circumstances constituting default and corresponding remedies
12. Governing Law and Jurisdiction: Specifies UAE law as governing law and determines jurisdiction for disputes
13. Notices: Sets out how formal communications between parties should be made
14. Boilerplate Provisions: Standard contractual provisions including severability, entire agreement, and amendments
1. Agent Provisions: Required when an administrative agent is appointed to manage the loan sharing arrangement
2. Islamic Finance Structure: Detailed section needed when the agreement follows specific Islamic finance structures like Mudaraba or Musharaka
3. Cross-Border Provisions: Required when parties are from different jurisdictions or when cross-border transfers are involved
4. Syndication Rights: Include when parties may want to syndicate their share of the loan
5. Tax Provisions: Detailed tax clauses needed when tax implications are significant or when involving international parties
6. Regulatory Compliance: Additional regulatory requirements when dealing with regulated entities or specific sectors
7. Force Majeure: Detailed provisions for unforeseen circumstances affecting loan performance
1. Schedule 1 - Loan Participation Details: Detailed breakdown of each party's participation percentage and contribution amount
2. Schedule 2 - Payment Schedule: Detailed payment dates, amounts, and distribution mechanics
3. Schedule 3 - Form of Transfer Certificate: Template for transferring loan participations between parties
4. Schedule 4 - Security Details: Comprehensive list and description of security or collateral
5. Schedule 5 - Conditions Precedent: List of documents and conditions required before agreement becomes effective
6. Schedule 6 - Contact Details: Contact information for all parties and authorized representatives
7. Appendix A - Calculation Methodology: Detailed explanation of how profit/loss shares are calculated
8. Appendix B - Compliance Certificates: Ƶ for ongoing compliance certification
9. Appendix C - Sharia Pronouncement: Sharia board approval and structure certification if applicable
Banking & Financial Services
Real Estate
Construction
Manufacturing
Trading & Commerce
Healthcare
Education
Hospitality
Infrastructure
Technology
Telecommunications
Energy & Utilities
Transportation & Logistics
Legal
Finance
Compliance
Risk Management
Treasury
Credit
Corporate Banking
Islamic Banking
Operations
Portfolio Management
Syndications
Transaction Management
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Risk Manager
Treasury Manager
Credit Manager
Relationship Manager
Loan Officer
Investment Manager
Corporate Finance Manager
Syndication Manager
Islamic Finance Specialist
Transaction Manager
Portfolio Manager
Senior Banker
Banking Operations Manager
Financial Controller
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