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This Margin Loan Agreement is essential for financial institutions in the Philippines providing credit facilities secured by securities or other financial instruments. It is designed to comply with Philippine banking regulations, securities laws, and relevant circulars from the Bangko Sentral ng Pilipinas. The document is typically used when investors seek leverage for their investment portfolio while using their existing securities as collateral. The agreement comprehensively covers critical aspects including facility terms, margin requirements, collateral valuation, margin call procedures, events of default, and enforcement rights. It incorporates necessary consumer protection provisions required under Philippine law and establishes clear rights and obligations for both the lending institution and the borrower. The structure accommodates both individual and corporate borrowers, with flexibility to include additional features such as multiple currency provisions or guarantor arrangements.

1. Parties: Identification of the lender (financial institution) and borrower, including their complete legal names and addresses

2. Background: Context of the agreement, including the borrower's request for margin facility and the lender's agreement to provide it

3. Definitions: Detailed definitions of key terms used throughout the agreement, including 'Margin Ratio', 'Collateral', 'Margin Call', and 'Events of Default'

4. Facility and Purpose: Details of the margin loan facility, including the maximum amount, purpose, and terms of availability

5. Interest and Fees: Interest rate calculations, payment schedules, and applicable fees

6. Margin Requirements: Specification of initial and maintenance margin requirements, calculation methods, and valuation procedures

7. Collateral Arrangements: Terms regarding the pledge of securities, maintenance of collateral, and rights over collateral

8. Margin Calls: Procedures for margin calls, timing of deposits, and consequences of non-compliance

9. Representations and Warranties: Standard and specific representations and warranties from the borrower

10. Covenants: Positive and negative covenants applicable to the borrower

11. Events of Default: Comprehensive list of events constituting default and their consequences

12. Enforcement Rights: Lender's rights and remedies upon default, including liquidation of collateral

13. Payments and Calculations: Payment mechanics, calculation periods, and currency provisions

14. Governing Law and Jurisdiction: Specification of Philippine law as governing law and jurisdiction for disputes

15. Notices: Communication procedures and contact details for both parties