The Loan Master Agreement is a fundamental document used in Belgian banking and finance transactions to establish a framework for ongoing lending relationships. It serves as an umbrella agreement under which multiple loans can be extended over time without the need to renegotiate basic terms and conditions for each transaction. This document, governed by Belgian law and compliant with EU regulations, typically includes comprehensive provisions covering facility terms, utilization mechanics, interest calculations, repayment structures, security arrangements, and covenant packages. It is particularly useful for corporate borrowers who maintain ongoing relationships with their lenders and require flexible access to funding. The agreement incorporates specific Belgian law requirements regarding financial services, security interests, and enforcement mechanisms, while also addressing EU-wide regulatory requirements such as bail-in provisions and GDPR compliance.
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1. Parties: Identification of the lender(s) and borrower(s), including their legal details and representatives
2. Background: Context of the agreement and relationship between the parties
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the loan facility, including type, purpose, and total amount available
5. Conditions Precedent: Conditions that must be satisfied before any utilization of the facility
6. Utilization: Process and requirements for drawing down loans under the facility
7. Interest: Interest calculation, periods, payment dates, and default interest provisions
8. Repayment: Terms and schedule for repayment of loans
9. Prepayment and Cancellation: Voluntary and mandatory prepayment provisions and cancellation rights
10. Tax Gross Up and Indemnities: Tax-related provisions and associated indemnities
11. Increased Costs: Provisions dealing with changes in costs due to regulatory or legal changes
12. Representations and Warranties: Statements of fact and assurances given by the borrower
13. Information Undertakings: Borrower's obligations to provide financial and other information
14. Financial Covenants: Financial ratios and tests the borrower must maintain
15. General Undertakings: General obligations of the borrower regarding conduct of business
16. Events of Default: Circumstances constituting default and consequences
17. Changes to Parties: Transfer and assignment provisions
18. Payment Mechanics: Administrative provisions regarding payments
19. Set-off: Rights of set-off between parties
20. Notices: Communication methods and contact details
21. Calculations and Certificates: Provisions regarding calculations and evidence of amounts due
22. Partial Invalidity: Severability provisions
23. Remedies and Waivers: Rights and remedies of the parties
24. Amendments and Waivers: Process for modifying the agreement
25. Governing Law and Enforcement: Choice of Belgian law and jurisdiction provisions
1. Security: Include when the loan is secured by collateral or guarantees
2. Syndication Provisions: Include for syndicated loans with multiple lenders
3. Multi-currency Provisions: Include when loans can be drawn in multiple currencies
4. Bank Accounts: Include when specific account arrangements are required
5. Subordination: Include when there are multiple creditors requiring ranking of priority
6. EU Bail-in Recognition: Include when required by EU regulation for certain financial institutions
7. Data Protection: Include detailed GDPR compliance provisions when processing personal data
8. Anti-corruption Provisions: Include specific anti-corruption provisions for high-risk transactions
9. Sustainability-Linked Provisions: Include when incorporating ESG-linked metrics or requirements
1. Form of Utilization Request: Standard form for requesting loan drawdowns
2. Conditions Precedent Documents: List of required documents and conditions
3. Form of Transfer Certificate: Standard form for transferring loan participations
4. Form of Compliance Certificate: Template for periodic compliance certification
5. Calculation of the Mandatory Cost: Formula and methodology for calculating mandatory costs
6. Form of Accession Document: Template for new parties joining the agreement
7. Timetables: Operational timelines for payments, notices, and other actions
8. Financial Covenant Calculations: Detailed methodology for financial covenant calculations
9. Existing Security: Details of any existing security arrangements
10. Contact Details: List of administrative and operational contacts
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