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1. Date and Place of Execution: The specific date and location where the demand note is executed, which is crucial for legal validity
2. Debtor Details: Full legal name, address, and identification details of the person/entity making the promise to pay
3. Creditor Details: Full legal name and address of the person/entity to whom the payment is to be made
4. Unconditional Promise to Pay: Clear statement of unconditional promise to pay on demand, including the exact amount in both numbers and words
5. Payment Terms: Specification that payment is to be made on demand, and the currency of payment
6. Interest Rate Declaration: If applicable, clear statement of any applicable interest rate, ensuring Sharia compliance if required
7. Signature Block: Space for debtor's signature, with full name and title if signing on behalf of a company
1. Witness Details: Section for witness details and signatures, recommended for higher-value demand notes
2. Company Details: Additional corporate information when the debtor is a company, including registration number and authorized signatory details
3. Joint and Several Liability: Required when multiple debtors are involved, specifying their joint and several liability
4. Purpose of Debt: Optional reference to the underlying transaction or reason for the demand note
5. Governing Law Declaration: While UAE law is implied, an explicit statement of governing law might be included for clarity
6. Language Declaration: Required only if the document is bilingual, specifying which language version prevails
1. Copy of Trade License: For corporate debtors, copy of valid trade license to be attached
2. Authorization Documents: For corporate debtors, board resolution or power of attorney authorizing the signatory
3. Identity Documents: Copies of relevant identity documents of the signatory and witnesses
Banking and Financial Services
Real Estate
Construction
Trading and Commerce
Manufacturing
Professional Services
Retail
Hospitality
Investment and Private Equity
Small and Medium Enterprises
Import/Export
Consulting Services
Legal
Finance
Treasury
Credit Control
Accounts Receivable
Risk Management
Commercial Operations
Compliance
Corporate Secretarial
Banking Operations
Chief Financial Officer
Finance Manager
Legal Counsel
Corporate Lawyer
Credit Manager
Treasury Manager
Accounts Receivable Manager
Risk Manager
Commercial Director
Business Development Manager
Company Secretary
Compliance Officer
Banking Relationship Manager
Financial Controller
Collections Manager
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