A. First lecturer: Atty. Rafael A. Morales
                               Managing Partner
                               SyCip Salazar Hernandez & Gatmaitan

1. The First Level of Protection: Loan Documentation
    1.1 Loan agreement
         (a) Term of loan
         (b) Yield protection (e.g., disaster clause, tax gross-up clause, etc.)
         (c) Representations and warranties (e.g., pari passu clause, etc.)
         (d) Negative and affirmative covenants (e.g., negative pledge, etc.)
         (e) Conditions precedent
         (f) Events of default (e.g., MAC clause, cross-default/cross-acceleration clause, etc.)
         (h) Miscellaneous (e.g., judgment currency clause, sharing clause, etc.)
    1.2 Promissory note
    1.3 Loan transfers and participations
    1.4 Some related issues
         (a) Notarization
         (b) Documentary tamp tax
              (i) Upon execution
              (ii) Upon transfer
         (c) Truth in Lending Act (Republic Act No. 3765)
         (d) Others

2. The Second Level of Protection: Security Devices and Other Credit Supports and Enhancements
    2.1 Security devices, supports and enhancements
         (a) Real estate mortgage
         (b) Chattel mortgage
         (c) Mortgage trust indenture
         (d) Pledge
         (e) Guarantee, suretyship, and standby letter of credit
         (f) Aval
         (g) Hold-out
         (h) Assignment by way of security
         (i) Trust receipt
         (j) Set-off or netting
         (k) Comfort letter
         (l) Post-dated checks
         (m) Others
    2.2 Some related issues
         (a) Validity of "after-acquired property" and "after-incurred-obligation"
              clauses in a chattel mortgage
         (b) No deficiency claim in a pledge
         (c) Deficiency claim in a chattel mortgage; exception
         (f) Foreclosures
         (g) Others

B. Second lecturer: Atty. Patricia T. Prodigalidad
                                     Partner, Commercial Litigation
                                     Abello Concepcion Regala & Cruz Law Offices (ACCRA LAW)

3. The Third Level of Protection: Due Diligence
    3.1 Before loan approval
         (a) Credit investigation
         (b) Collateral appraisal
         (c) Title verification
         (d) Others
    3.2 Before loan release
         (a) Confirmation of existence, possession and location of collateral
         (b) Registration of collateral documentation and creation of lien
         (c) Others
    3.3 Post-release monitoring of loan account and collateral
    3.4 Others

4. Fourth Level of Protection: Enforcement of Loan Obligations
    4.1 Notice of default
    4.2 Demand
    4.3 Restructuring loan obligation
    4.4 Foreclosure and other enforcement actions
    4.5 Effect of "stay order" on enforcement of security
    4.6 Dacion en pago with repurchase (as an alternative to foreclosure of mortgage)

5. Fifth Level of Protection: Leveraging Debtor’s Incidental Criminal Liabilities
    5.1 Criminal Suit for Falsification of Document
    5.2 Criminal Suits for Fraud Under Revised Penal Code
    5.3 Criminal Suits for Bouncing Checks
    5.4 Criminal Suits for other Special Law Violations (PD 115, Banking Laws, etc.)

• 30 BEST PRACTICES FOR DEBT RECOVERY: A GUIDE FOR LENDERS

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