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The Margin Lending Agreement is a crucial document used in financial services to establish secured lending arrangements where the loan is collateralized by financial instruments such as securities, bonds, or other eligible assets. This agreement, governed by Irish law and EU regulations, is typically employed when financial institutions extend credit to investors, trading entities, or corporate clients for various purposes including trading, investment, or working capital needs. The document comprehensively covers loan terms, margin requirements, collateral arrangements, default provisions, and regulatory compliance requirements. It incorporates specific provisions required under Irish financial services law, including Central Bank of Ireland requirements and MiFID II obligations, making it suitable for use by Irish-regulated entities and their clients while ensuring compliance with both domestic and EU regulatory frameworks.

1. Parties: Identification of the lender and borrower, including registration details and addresses

2. Background: Context of the agreement and relationship between the parties

3. Definitions and Interpretation: Detailed definitions of terms used throughout the agreement and interpretation rules

4. The Facility: Core terms of the margin lending facility, including amount, purpose, and availability

5. Drawdown Conditions: Prerequisites and conditions for accessing the facility

6. Interest and Fees: Interest calculation methodology, rates, fees, and payment terms

7. Margin Requirements: Maintenance margin requirements, margin calls, and valuation mechanisms

8. Collateral Arrangements: Requirements for posting collateral, eligible collateral types, and custody arrangements

9. Representations and Warranties: Standard and specific representations made by both parties

10. Covenants: Ongoing obligations of the borrower, including financial covenants and reporting requirements

11. Events of Default: Circumstances constituting default and consequences thereof

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

13. Payment Mechanics: Payment procedures, currencies, and settlement arrangements

14. Changes to Parties: Assignment and transfer provisions

15. Notices: Communication requirements and contact details

16. Governing Law and Jurisdiction: Choice of Irish law and jurisdiction provisions