Free International Loan Agreement

This Loan Agreement (the "Agreement") is made and entered into as of January 15, 2050, by and between:

Lender:
[Your Company Name]
A financial institution duly organized and existing under the laws of the Republic of New York, with its principal office located at:
[Your Company Address]

Borrower:
EcoTech Innovations Ltd.
A corporation duly organized and existing under the laws of the United Kingdom, with its principal office located at:
45 Greenfield Road, London, UK.

1. Loan Amount and Currency

The Lender agrees to provide the Borrower with a loan in the amount of USD 50,000,000 (Fifty Million United States Dollars).

2. Interest Rate

The loan will bear interest at a fixed annual rate of 5.5%, calculated on the outstanding principal balance.

3. Loan Term and Repayment

The term of the loan will be 10 years, with repayments due as follows:

• Initial Loan Disbursement Date: February 1, 2050

• Repayment Start Date: August 1, 2050

• Repayment Frequency: Semi-annual payments (every six months)

• Maturity Date: February 1, 2060
  

The Borrower agrees to make 20 equal semi-annual payments of USD 2,750,000 (Two Million Seven Hundred Fifty Thousand Dollars) beginning on August 1, 2050, with the final payment due on the maturity date.

4. Currency of Repayment

All loan repayments shall be made in USD (United States Dollars).

5. Collateral

The loan is secured by the Borrower's intellectual property related to its patented eco-friendly energy technology, which includes but is not limited to patents, trademarks, and proprietary software. The Borrower agrees to provide a valuation of the intellectual property by an independent third party within 30 days of the signing of this Agreement.

6. Events of Default

The following events shall constitute an event of default under this Agreement:

• Failure by the Borrower to make any scheduled repayment within 30 days of the due date.

• Any voluntary bankruptcy filing by the Borrower.

• A material breach of any covenant or representation under this Agreement, not cured within 60 days of notice.

• The Borrower fails to maintain a debt-to-equity ratio of less than 2:1 at any time during the term of the loan.
  

In the event of default, the Lender shall have the right to accelerate the full amount of the loan, including accrued interest, and pursue any remedy available under applicable law.

7. Covenants of the Borrower

The Borrower agrees to:

• Maintain its legal status as a corporation in good standing in the United Kingdom.

• Provide quarterly financial statements to the Lender within 30 days of each fiscal quarter’s end.

• Maintain an insurance policy covering the intellectual property pledged as collateral, naming the Lender as the beneficiary.

• Not incur any additional debt without the prior written consent of the Lender during the term of this loan.

8. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the United Kingdom. The parties agree that any dispute arising under or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of London, United Kingdom.

9. Dispute Resolution

Any dispute or claim arising out of or relating to this Agreement shall first be attempted to be resolved through good faith negotiations between the parties. If such negotiations do not resolve the dispute within 30 days, the dispute shall be resolved by binding arbitration in London, under the rules of the London Court of International Arbitration (LCIA).

10. Prepayment

The Borrower may prepay the loan at any time, in whole or in part, without penalty. Prepayments shall be applied to the outstanding principal balance.

11. Taxes and Fees

All payments under this Agreement shall be made free and clear of any withholding taxes, duties, or fees imposed by any jurisdiction. The Borrower agrees to indemnify the Lender for any such taxes or fees that may arise from the payments made under this Agreement.

12. Force Majeure

Neither party shall be liable for failure to perform its obligations under this Agreement if such failure is caused by events beyond its reasonable control, including but not limited to natural disasters, war, or political instability, provided that the affected party promptly notifies the other party and takes reasonable steps to mitigate the effects.

13. Miscellaneous

• Entire Agreement: This Agreement constitutes the entire understanding between the parties concerning the subject matter hereof and supersedes all prior agreements and understandings.
  

• Amendments: No amendment or modification of this Agreement shall be valid unless made in writing and signed by both parties.
  

• Severability: If any provision of this Agreement is found to be invalid or unenforceable, the remainder of the Agreement shall remain in full force and effect.

Signatures:

[Your Name]

[Your Company Name]
[Date]

EcoTech Innovations Ltd.
[Date]

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