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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Explains the context of the loan and the parties' intention to enter into the agreement
3. Definitions: Defines key terms used throughout the agreement for clarity and legal certainty
4. Loan Details: Specifies loan amount, purpose, interest rate, term, and repayment schedule as required by CCCFA
5. Interest and Fees: Details the interest calculation method, applicable fees, and charges in compliance with CCCFA
6. Repayment Terms: Outlines payment obligations, methods of payment, and payment schedule
7. Borrower's Representations and Warranties: States the Borrower's declarations regarding their capacity and financial situation
8. Borrower's Obligations: Lists ongoing obligations of the Borrower during the loan term
9. Events of Default: Defines circumstances constituting default and consequences
10. Lender's Rights and Remedies: Outlines the Lender's rights in case of default or breach
11. General Provisions: Contains standard contract clauses including notices, amendments, governing law
12. Execution: Signature blocks and execution requirements
1. Security: Required when the loan is secured against assets, detailing the security arrangement and obligations
2. Guarantor Provisions: Included when there is a guarantor for the loan, outlining guarantor's obligations and rights
3. Insurance Requirements: Needed when specific insurance coverage is required for secured assets or the borrower
4. Early Repayment: Details early repayment options and any associated fees when early repayment is permitted
5. Draw Down Conditions: Used for facilities or loans with multiple draw-downs, specifying conditions for each draw
6. Special Conditions: For any unique terms specific to the particular loan arrangement
7. Co-Borrower Provisions: Required when there are multiple borrowers, defining joint and several liability
1. Schedule 1 - Loan Details: Contains specific loan terms, amounts, and payment details required by CCCFA
2. Schedule 2 - Payment Schedule: Detailed repayment schedule showing payment dates, amounts, and allocation
3. Schedule 3 - Secured Property: Description of any assets provided as security (for secured loans)
4. Schedule 4 - Fee Schedule: Comprehensive list of all fees and charges applicable to the loan
5. Schedule 5 - Initial Disclosure Statement: CCCFA-compliant initial disclosure information
6. Appendix A - Direct Debit Authority: Form for setting up automatic payments if applicable
7. Appendix B - Guarantor Acknowledgment: Required documentation for guarantors if applicable
Banking
Financial Services
Real Estate
Construction
Manufacturing
Retail
Agriculture
Small Business
Professional Services
Technology
Healthcare
Education
Transport and Logistics
Legal
Finance
Credit
Risk Management
Compliance
Commercial
Business Development
Account Management
Treasury
Operations
Legal Counsel
Finance Manager
Credit Manager
Loan Officer
Compliance Officer
Risk Manager
Commercial Manager
Business Development Manager
Account Manager
Financial Controller
Chief Financial Officer
Credit Analyst
Legal Administrator
Contracts Administrator
Company Secretary
Banking Relationship Manager
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