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1. Security: Required if the facility is secured, detailing the security package and enforcement rights

2. Financial Covenants: Include for corporate borrowers or larger facilities, specifying financial ratios and tests

3. Guarantee: Required if there are guarantors supporting the facility

4. Multiple Lenders: Required for syndicated facilities, including voting rights and majority lender provisions

5. Increased Costs: Usually included for bank lenders to cover regulatory changes affecting their costs

6. Market Disruption: Relevant for facilities with floating interest rates

7. Anti-corruption Provisions: Detailed section required for corporate or high-value facilities

8. Data Protection: Enhanced section required when dealing with personal information under POPIA

1. Conditions Precedent: Detailed list of documents and conditions required before facility availability

2. Form of Utilisation Request: Standard form for requesting drawdowns under the facility

3. Form of Transfer Certificate: Template for transferring loan participations (if transfers permitted)

4. Repayment Schedule: Detailed schedule of repayment dates and amounts (for term facilities)

5. Security Documents: List and copies of all security documents (if secured facility)

6. Financial Covenant Calculations: Detailed methodology for calculating financial covenants

7. Borrower Group Structure: Corporate structure chart showing borrower group entities

8. Existing Security and Financial Indebtedness: Details of permitted existing security and debt

9. Form of Compliance Certificate: Template for periodic compliance certification by borrower