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1. Date: Date of execution of the promissory note
2. Parties: Identification of the Maker (promissor) and Payee (promissee) with full legal names and addresses
3. Promise to Pay: Clear and unconditional promise to pay a specific sum of money
4. Principal Amount: The exact amount promised to be paid, in numbers and words
5. Payment Terms: When and how the payment will be made, including due date or maturity date
6. Interest Rate: If applicable, the interest rate and how it is calculated
7. Place of Payment: Where the payment is to be made
8. Governing Law: Specification that Australian law governs the promissory note
9. Signature Block: Space for maker's signature, date, and witness details
1. Default Provisions: Terms specifying what constitutes default and consequences - include when there are specific default scenarios to address
2. Prepayment Terms: Terms regarding early payment options - include when early payment is to be allowed
3. Late Payment Penalties: Specifications for late payment fees or additional interest - include when specific penalties are desired
4. Assignment Rights: Terms regarding the right to assign or transfer the note - include when transferability is important
5. Installment Payment Terms: Detailed payment schedule for installment payments - include when payment is not a single lump sum
6. Acceleration Clause: Conditions under which full payment becomes immediately due - include in higher-risk situations
7. Waiver of Presentment: Waiver of formal presentment requirements - include when simplified enforcement is desired
8. Security Interest Disclaimer: Clear statement that the note is unsecured - include when needed to avoid confusion about security status
1. Payment Schedule: Detailed schedule of installment payments if applicable, including dates and amounts
2. Interest Calculation Schedule: Detailed breakdown of interest calculation method if complex interest arrangements apply
3. Party Details Schedule: Additional details about the parties if required, such as business registration numbers or additional addresses
Financial Services
Banking
Small Business
Real Estate
Professional Services
Retail
Construction
Manufacturing
Agriculture
Private Lending
Professional Services
Commercial Property
Legal
Finance
Treasury
Credit Management
Risk Management
Corporate Services
Commercial Operations
Accounts Receivable
Business Development
Compliance
Finance Manager
Chief Financial Officer
Legal Counsel
Corporate Lawyer
Credit Manager
Accounts Receivable Manager
Treasury Manager
Financial Controller
Business Development Manager
Risk Manager
Company Secretary
Commercial Manager
Lending Officer
Credit Analyst
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