The Guaranty and Security Agreement is essential in secured lending transactions where additional security and support for obligations is required. This document is commonly used in the United States when a lender requires both a third-party guarantee of payment and a security interest in specific assets as collateral. The agreement is governed by Article 9 of the UCC and various federal and state laws, making it a crucial tool in commercial financing. It provides lenders with multiple layers of protection by combining personal guarantees with secured interests in assets, and includes detailed provisions for enforcement, default remedies, and collateral maintenance.
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1. Parties: Identification of guarantor, secured party, and debtor
2. Background: Context of the underlying obligation and purpose of the guarantee
3. Definitions: Key terms used throughout the agreement including UCC-specific definitions
4. Guarantee: Scope and nature of the guarantee obligation
5. Grant of Security Interest: Description of collateral and security interest being granted
6. Representations and Warranties: Statements of fact by the guarantor/grantor regarding their authority, ownership of collateral, and compliance with laws
7. Covenants: Ongoing obligations of the guarantor/grantor including maintenance of collateral and compliance requirements
8. Events of Default: Circumstances constituting default under the agreement
9. Remedies: Rights and remedies available to the secured party upon default
1. Subordination Provisions: Required when there are multiple secured parties to establish priority of security interests
2. Intercreditor Provisions: Governs relationships between different creditors when multiple secured parties are involved
3. Control Agreements: Provisions for control over financial assets when collateral includes investment property or deposit accounts
1. Schedule of Collateral: Detailed description of all assets serving as collateral
2. Schedule of Permitted Liens: List of pre-existing or permitted encumbrances on collateral
3. UCC Filing Locations: List of jurisdictions where UCC filings will be made
4. Form of Perfection Certificate: Document containing information needed for perfection of security interest
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