The Loan Collateral Agreement is a fundamental document in secured lending transactions under Irish law, used when a lender requires security over specific assets to protect their loan exposure. This agreement is essential in both commercial and consumer lending contexts, though its complexity and requirements vary accordingly. The document creates legally enforceable security interests over various types of collateral, including real property, personal property, intellectual property, and financial assets. It must comply with Irish legal requirements, including those under the Companies Act 2014 and relevant property laws, and may need to address EU regulations where applicable. The agreement typically works in conjunction with a primary loan agreement and includes detailed provisions for the creation, perfection, maintenance, and enforcement of security interests. It is particularly important in ensuring the lender's security position is properly protected and enforceable under Irish law.
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1. Parties: Identification of the lender, borrower, and any guarantors or security providers
2. Background: Context of the agreement, reference to the underlying loan agreement, and purpose of the security
3. Definitions and Interpretation: Definitions of key terms and interpretation rules used throughout the agreement
4. Creation of Security Interest: Legal provisions creating the security interest over the collateral
5. Secured Obligations: Definition and scope of the obligations being secured by the collateral
6. Representations and Warranties: Statements of fact and assurances from the security provider about the collateral and their authority
7. Covenants: Ongoing obligations of the security provider regarding maintenance and preservation of the collateral
8. Perfection Requirements: Actions required to perfect the security interest and maintain its validity
9. Enforcement: Rights and remedies of the lender upon default, including power of sale
10. Further Assurance: Obligation to execute additional documents and take actions to protect the security interest
11. Costs and Indemnities: Allocation of costs and indemnification obligations
12. Notices: Communication procedures between parties
13. Assignment and Transfer: Rights and restrictions regarding transfer of rights under the agreement
14. Governing Law and Jurisdiction: Specification of Irish law as governing law and jurisdiction for disputes
1. Consumer Protection Provisions: Required when the borrower is a consumer, incorporating relevant Consumer Credit Act protections
2. Real Property Provisions: Specific provisions required for real property collateral, including Land Registry requirements
3. Insurance Requirements: Detailed insurance obligations when the collateral requires specific insurance coverage
4. Third Party Rights: Provisions regarding rights of third parties, required when there are existing encumbrances
5. Cross-Default: Links to other security documents when part of a larger security package
6. Currency Provisions: Required for cross-border transactions involving multiple currencies
7. Tax Provisions: Specific tax-related provisions when tax implications are significant
8. Security Agent Provisions: Required in syndicated lending arrangements with a security agent
1. Schedule 1 - Description of Collateral: Detailed description and identification of all assets subject to the security interest
2. Schedule 2 - Form of Notice: Standard forms of notices required for perfection of the security
3. Schedule 3 - Properties: Details of any real property included in the security package
4. Schedule 4 - Intellectual Property: List and details of any intellectual property rights included as collateral
5. Schedule 5 - Existing Security Interests: Details of any permitted existing security interests over the collateral
6. Schedule 6 - Bank Accounts: Details of relevant bank accounts subject to the security
7. Appendix A - Registration Requirements: Checklist of registration requirements for different types of collateral
8. Appendix B - Security Interest Perfection Steps: Detailed procedures for perfecting the security interest
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