Voluntary Credit Agreement Template for United Arab Emirates

1. Security: Required when the credit facility is secured by collateral or guarantees

2. Islamic Finance Provisions: Detailed Sharia compliance provisions when structured as Islamic finance

3. Currency Provisions: Required for multi-currency facilities or cross-border transactions

4. Tax Provisions: Detailed tax provisions when parties are subject to different tax jurisdictions

5. Change of Control: Required when debtor is a corporate entity and ownership changes need to be restricted

6. Insurance: Required when specific insurance coverage is mandatory for the credit facility

7. Assignment and Transfer: Detailed provisions when transferability of the facility is contemplated

8. Joint and Several Liability: Required when there are multiple debtors

1. Schedule 1 - Facility Details: Detailed terms of the credit facility including amounts, profit rates, and fees

2. Schedule 2 - Repayment Schedule: Detailed payment schedule with dates and amounts

3. Schedule 3 - Conditions Precedent: List of documents and conditions required before facility becomes effective

4. Schedule 4 - Form of Drawdown Notice: Template for requesting disbursement under the facility

5. Schedule 5 - Security Details: Details of any collateral or security provided

6. Schedule 6 - Compliance Certificate: Template for periodic compliance certification by debtor

7. Appendix A - Required Documents: List of supporting documents required from the debtor

8. Appendix B - Calculation Methods: Detailed explanation of profit and fee calculations