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The Account Pledge Agreement is a crucial security document used in financing transactions where bank accounts or securities accounts serve as collateral. This agreement is commonly employed in the United States when a borrower (pledgor) needs to provide security over its accounts to a lender (pledgee) as part of a financing arrangement. The agreement must comply with UCC Article 9 requirements for creating and perfecting security interests, and typically includes detailed provisions regarding account control, pledgor's rights to access the account, and pledgee's enforcement rights upon default. Account Pledge Agreements are particularly important in structured finance, corporate lending, and asset-based lending transactions.

1. Parties: Identification of pledgor, pledgee, and any account bank

2. Background: Context of the pledge arrangement and underlying obligations

3. Definitions: Key terms used throughout the agreement including account definitions, security interest, and applicable regulations

4. Pledge and Security Interest: Core provisions establishing the pledge over the account and scope of security interest

5. Perfection and Control: Provisions regarding perfection of security interest and control arrangements

6. Representations and Warranties: Standard pledgor representations regarding account ownership, authority, and compliance with laws

7. Covenants: Ongoing obligations of the pledgor regarding the account maintenance and operations

8. Events of Default: Circumstances triggering enforcement rights under the agreement

9. Enforcement Rights: Pledgee's rights and remedies upon occurrence of an event of default

10. Governing Law: Applicable law, jurisdiction, and enforcement provisions