The Cash Collateral Agreement is a crucial security document used in the Philippines when cash or cash equivalents are pledged as security for financial obligations. It is commonly used in lending transactions, trading arrangements, and other financial dealings where secured obligations are required. The agreement must comply with Philippine regulations, particularly the Personal Property Security Act (Republic Act No. 11057) and BSP circulars governing secured transactions. This document typically includes detailed provisions on the establishment of security interest, maintenance requirements, enforcement rights, and release conditions. It's essential in transactions where lenders or counterparties require liquid security, offering immediate access to collateral in case of default while providing a clear framework for the parties' rights and obligations under Philippine law.
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1. Parties: Identification of the Collateral Provider and the Secured Party, including their complete legal names, addresses, and registration details
2. Background: Context of the agreement, including reference to any underlying obligations or facility agreements
3. Definitions: Definitions of key terms used throughout the agreement, including 'Cash Collateral', 'Secured Obligations', and 'Security Period'
4. Creation of Security Interest: Provisions establishing the security interest over the cash collateral, including the pledge and assignment of rights
5. Perfection Requirements: Steps required to perfect the security interest under Philippine law, including registration requirements
6. Maintenance of Collateral: Requirements for maintaining the cash collateral, including minimum balance requirements and top-up obligations
7. Representations and Warranties: Standard representations regarding authority, ownership of collateral, and absence of encumbrances
8. Rights and Obligations: Detailed rights and obligations of both parties regarding the cash collateral
9. Events of Default: Circumstances constituting default and triggering enforcement rights
10. Enforcement: Rights and procedures for enforcing the security interest upon default
11. Interest and Payments: Treatment of interest earned on the cash collateral and payment mechanics
12. Duration and Release: Term of the agreement and conditions for release of the cash collateral
13. Governing Law and Jurisdiction: Specification of Philippine law as governing law and jurisdiction for disputes
14. Notices: Process and requirements for giving notices under the agreement
15. Miscellaneous: Standard boilerplate provisions including amendments, waivers, and severability
1. Currency Provisions: Required when the cash collateral is in a foreign currency, addressing exchange rate risks and currency conversion
2. Tax Provisions: Detailed tax provisions needed when tax implications are significant or when involving cross-border elements
3. Multiple Account Provisions: Required when the cash collateral is held in multiple accounts or with multiple banks
4. Bank's Rights and Obligations: Needed when the agreement involves a third-party bank holding the collateral
5. Electronic Banking Provisions: Required when electronic banking facilities are used to manage the collateral
6. Anti-Money Laundering Compliance: Detailed AML provisions needed for high-value transactions or when required by the nature of the parties
7. Set-off Rights: Optional provisions for set-off rights against other obligations between the parties
1. Schedule 1 - Account Details: Details of the bank account(s) containing the cash collateral, including account numbers and bank information
2. Schedule 2 - Secured Obligations: Detailed description of the obligations secured by the cash collateral
3. Schedule 3 - Collateral Amount and Maintenance Requirements: Specification of the initial collateral amount and any ongoing maintenance requirements
4. Schedule 4 - Authorized Signatories: List of persons authorized to give instructions regarding the cash collateral
5. Schedule 5 - Form of Notice of Assignment: Template for notifying relevant parties of the security interest
6. Appendix A - Compliance Requirements: Detailed BSP and anti-money laundering compliance requirements
7. Appendix B - Forms of Notices: Standard forms for various notices required under the agreement
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Investment Management
Real Estate
Infrastructure
Manufacturing
Energy
Telecommunications
Mining
Construction
International Trade
Retail
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Finance
Banking Operations
Securities Administration
Collateral Management
Relevant Roles
Chief Financial Officer
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Credit Manager
Securities Officer
Banking Operations Manager
Corporate Finance Manager
Collateral Manager
Financial Controller
Legal Director
Banking Relationship Manager
Security Trustee
Transaction Manager
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