Commercial Property Loan

About this category:

A Commercial Property Loan document is a legally binding agreement between a lender and a borrower that outlines the terms and conditions of a loan.

Templates in this category:

Loan Modification Contract (Commercial Property Loan) (Lender-friendly) (Florida)

This legal template is a contract specifically designed for lenders seeking to modify a commercial property loan in Florida, under the jurisdiction of USA law. It focuses on protecting the lender's interests while outlining the terms and conditions for the loan modification.

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1

Employee Subscription Contract (Private Equity Portfolio Company)

This legal template is a contract between an employee and a private equity portfolio company, operating within the framework of USA law. It outlines the terms and conditions for the employee's subscription in the company, covering various aspects such as compensation, benefits, work obligations, and confidentiality provisions.

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23
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2

Seller's Affidavit (Massachusetts)

This legal template is likely about a Seller's Affidavit specific to the state of Massachusetts. It could pertain to a sworn statement made by a seller in a real estate transaction, confirming the accuracy and completeness of information regarding the property being sold.

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3
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6

Data Collection: Information Technology Personnel Interview Questions

This legal template focuses on providing a standardized set of interview questions for Information Technology (IT) personnel to ensure proper data collection practices in accordance with the laws and regulations of the United States.

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18
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5

Promissory Note (Commercial Property Loan) (Lender-friendly) (California)

This legal template is a Promissory Note specifically designed for a commercial property loan transaction in California. It aims to provide a lender-friendly agreement between the borrower and lender, outlining the terms and conditions of the loan repayment.

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1
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6

Shares Assignment Separate from Certificate Transferring Shares to Revocable Trust

This legal template is designed to facilitate the transfer of shares from an individual to their revocable trust. It ensures a separate assignment document is prepared, which will assign the shares to the trust without requiring a physical transfer of the share certificates.

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17
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4

Stipulation Against Mechanics' Liens (Residential) (Pennsylvania)

This legal template in Pennsylvania aims to create a Stipulation Against Mechanics' Liens for residential properties. It outlines the terms and conditions agreed upon between parties involved in a construction project to prevent any future claims of mechanics' liens on the property.

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21
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2

LLC Consent (Property Acquisition and Financing) (New Jersey)

This legal template pertains to the consent document required by an LLC (Limited Liability Company) in New Jersey, USA, regarding property acquisition and financing. It likely outlines the approval process, terms, and conditions related to purchasing and financing real estate assets.

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6
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5

Subordination, Non-Disturbance, and Attornment Contract (SNDA) (Lender-friendly) (Texas)

This legal template likely pertains to an agreement between a lender and a tenant in the state of Texas. It would address the subordination of the tenant's lease to the lender's mortgage, non-disturbance of the tenant's rights in case of default, and the tenant's obligation to recognize the lender as the new landlord in the event of foreclosure.

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1

Amendment to Purchase and Sale Contract due to a Public Crisis (Commercial Property)

This legal template is a document that allows parties to amend a purchase and sale contract for commercial property in the USA, specifically addressing the impact of a public crisis. It provides guidelines for modifications to the existing agreement to accommodate unforeseen circumstances arising from a public crisis situation.

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3
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1

Operating Contract (Single Member) (Virginia)

This legal template is likely a document specifically designed for a single member (owner) of a business operating in Virginia. It would likely outline the rights, responsibilities, and obligations of the single member as well as provide necessary clauses for the operation and management of the business.

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1
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Purchaser's Closing Transaction Checklist for a Commercial Property Acquisition

This legal template serves as a checklist for the purchaser in a commercial property acquisition under USA law. It aids in ensuring all necessary steps and requirements are fulfilled during the closing transaction process.

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24
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6

Workplace Health and Safety Policy (Minnesota)

This legal template is focused on the workplace health and safety policy specific to the state of Minnesota. It outlines the guidelines and regulations employers must follow to ensure a safe working environment for employees, addressing key aspects such as hazard identification, prevention, training, and reporting procedures.

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6

Financial Hardship Letter

This legal template is a Financial Hardship Letter, designed to be used under USA law. It likely provides a standardized format and language for individuals to explain their financial difficulties to creditors, lenders, or other relevant parties, aiming to seek assistance, negotiate payment terms, or request certain accommodations in light of their currently challenging financial situation.

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5
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2

License Contract for Owned Commercial Property

This legal template likely outlines the terms and conditions for leasing or renting a commercial property owned by an individual or company within the United States. It would cover various aspects such as duration, rent payments, maintenance obligations, and any additional terms required by the law.

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8
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3

Certification: Motion to Extend Discovery (New Jersey)

This legal template is a document used in the state of New Jersey under USA law. It is a certification and motion seeking an extension of the discovery period in a legal case.

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15
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3

Commitment Letter: Lending (Syndicated Loan)

This legal template could be a document outlining the commitment of a lender or a group of lenders to provide a syndicated loan under the jurisdiction of the USA. It would detail the terms, conditions, and obligations of the lending agreement.

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3

Generator Rider for an Industrial/Warehouse Lease (Landlord-friendly)

This legal template is designed for the landlord's benefit in leasing an industrial or warehouse space. It focuses on the terms and conditions related to generators and their usage by the tenant.

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Separation and Release of Claims Contract (Massachusetts)

The Separation and Release of Claims Contract (Massachusetts) is a legal template that outlines the terms and conditions for the separation of employment. It ensures that both the employer and the employee agree on the terms of the separation and releases any potential claims or liabilities between the two parties.

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Organizational Action by Sole Incorporator (New York)

This legal template would outline the necessary steps and procedures for a sole incorporator in New York to take organizational actions, such as appointing directors, adopting bylaws, and authorizing the issuance of shares, for a newly formed corporation.

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25
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4

Social Media Guidelines (Public Company Simple)

This legal template provides a set of guidelines for employees of a public company to follow when using social media platforms, ensuring compliance with company policies and regulatory requirements.

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Assignment of Mortgage (Commercial Property Loan) (Massachusetts)

This legal template focuses on the transfer of a commercial property loan mortgage in Massachusetts, United States, under USA law. It outlines the process and requirements for assigning the rights and responsibilities of the mortgage from one party to another.

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2

Due Diligence Request List: Acquisition of Physician Practice

This legal template is a comprehensive checklist designed to assist in conducting due diligence for the acquisition of a physician practice in the United States. It covers various legal aspects and provides guidance on gathering necessary documentation and information related to the transaction.

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Note Purchase Contract: Unregistered Asset-Backed Securities (ABS)

This legal template could be a contract for the purchase of unregistered Asset-Backed Securities (ABS) in the United States. It is likely to define the terms and conditions of the purchase agreement and ensure compliance with relevant US laws and regulations.

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Invitation Letter For Temporary Business Visitor

This legal template is intended for a formal invitation letter to be issued to a temporary business visitor under US law. It provides a concise and comprehensive guide for the content and format to ensure compliance with legal requirements.

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Member Written Consent Template (Texas)

This legal template is a document specific to Texas, USA, that can be used to obtain written consent from members of an organization or company. It ensures that members are informed about and agree to certain actions or decisions taken by the organization.

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Surprise Medical Billing for Providers and Facilities: Disclosure Contract

This legal template focuses on creating a disclosure contract that addresses surprise medical billing issues for healthcare providers and facilities. It aims to ensure transparency and protect both patients and healthcare providers from unexpected expenses.

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Distribution Contract (Distributor-friendly, Simple) (California)

This legal template outlines a simple distribution contract tailored to distributors in California, USA. It provides a framework for establishing a mutually beneficial agreement between the distributor and the supplier.

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Manager Written Consent Template (Georgia)

This legal template could be a form used in Georgia, USA, for managers to provide their written consent on specific matters or actions as required by the law.

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15
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Tenants in Common Contract for Commercial Property (California)

This legal template likely outlines the terms and conditions for a contract between multiple individuals who jointly own a commercial property in California. It likely covers responsibilities, ownership percentages, rights, and dispute resolution among co-owners.

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Shareholder Meeting Minutes: Approving Dissolution (North Carolina)

This legal template is a document used to record the minutes of a shareholder meeting in North Carolina where the approval for the dissolution of a company is discussed and decided upon.

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6

Purchase and Sale Contract (Commercial Property) (Purchaser-friendly Simple) (New Jersey)

This legal template is a simple and purchaser-friendly contract specifically designed for the purchase and sale of commercial properties in the state of New Jersey. It outlines the terms and conditions of the transaction, providing a clear and straightforward agreement between the buyer and seller.

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13
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Due Diligence Summary Template: Organizational Documents

This legal template is a concise summary outlining the due diligence process and requirements for reviewing and assessing an organization's documentation, all in accordance with the laws of the United States.

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Bring Your Own Device to Work (BYOD) Policy (California)

This legal template outlines the guidelines and regulations for employees in California who choose to bring their personal devices to work, ensuring compliance with USA law. It covers usage, security, privacy, and liability aspects related to the Bring Your Own Device (BYOD) policy implementation.

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16
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4

Sale of Goods Contract (Seller-friendly, Simple) (Texas)

This legal template is a contract for the sale of goods in Texas, designed to be favorable to the seller. It aims to simplify and streamline the agreement between the seller and the buyer.

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22
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AUP for Guest WiFi Access

This legal template outlines the acceptable use policy (AUP) for guest WiFi access in compliance with US laws. It defines the terms and conditions for users accessing the network, ensuring proper usage, security, and adherence to applicable regulations.

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6

Cloud Services Evaluation Contract (Clickwrap)

This legal template outlines the terms and conditions for evaluating cloud services under USA law. It includes clickwrap agreements and covers the rights and responsibilities of both parties involved in the evaluation process.

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5

Partial Release of Mortgage (Commercial Property Loan) (Illinois)

This legal template is a document related to the partial release of a mortgage on a commercial property loan in the state of Illinois. It outlines the terms and conditions for the release of a portion of the mortgage, providing details on the property, the lender, and the borrower.

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Commercial Letter of Credit For Domestic Sale Transactions

This legal template is a document that outlines the terms and conditions for a commercial letter of credit used in domestic sale transactions within the United States. It ensures compliance with the applicable USA laws and provides guidelines for both the buyer and seller in the transaction.

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Estoppel Certificate for Covenants, Conditions, and Restrictions or Reciprocal Easements (Commercial Property) (California)

This legal template is specifically designed for commercial property owners in California, USA, who need an Estoppel Certificate for Covenants, Conditions, and Restrictions or Reciprocal Easements. It helps to establish and confirm the current state of agreements and obligations related to the property in question.

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Member Written Consent Template (Massachusetts)

This legal template outlines the process for obtaining written consent from members of an organization based in Massachusetts, in adherence to the laws of the United States.

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Schedule of Largest Secured Creditors For SDNY

This legal template is likely a document that lists the top secured creditors for the Southern District of New York (SDNY). It provides information on the largest creditors who hold secured debts in this jurisdiction, typically for bankruptcy or debt recovery proceedings.

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Intercompany Note

This legal template outlines the terms and conditions of a financial agreement between two companies belonging to the same corporate group, operating in the United States. It specifies the terms of borrowing and repayment, interest rates, and other relevant provisions for an intercompany loan.

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Tenant Direction Letter For Commercial Mortgage Loan

This legal template is a letter written by a tenant to a commercial mortgage lender, providing instructions regarding the payment of rental income directly to the lender. It ensures compliance with the terms of the mortgage loan agreement.

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Stipulation to Dismiss (Illinois)

This legal template could be a document that parties involved in a lawsuit in the state of Illinois can use to agree to dismiss the case, outlining the terms and conditions of the dismissal.

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Patent Sublicense Contract (Sublicensor-friendly, Simple)

This legal template outlines the terms and conditions for sublicensing a patent. It is designed to be simple and favor the sublicensor, offering a straightforward agreement for granting sublicenses to third parties.

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Timeline & Responsibility Chart: Private Debt Exchange Offers & Consent Solicitations

This legal template outlines a timeline and responsibility chart for conducting private debt exchange offers and consent solicitations. It helps in organizing and streamlining the complex process, ensuring all parties involved understand their roles and responsibilities.

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Allonge to Promissory Note (Commercial Property Loan) (Massachusetts)

This legal template could be a document that provides an additional sheet, known as an allonge, to a promissory note related to a commercial property loan in the state of Massachusetts, operating according to the laws of the United States.

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Accounting Due Diligence Questions For Securities Offering

This legal template provides a set of accounting due diligence questions specifically designed for securities offerings in accordance with USA law. It helps ensure that all relevant financial information is thoroughly examined and evaluated before making investment decisions or engaging in securities transactions.

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Attorney's Certification of Title (Residential) (Massachusetts)

This legal template is a certification of title for residential properties in Massachusetts under USA law. It is likely used by attorneys to verify and confirm the ownership and legal status of a residential property during real estate transactions or legal disputes.

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5

Partial Release of Mortgage (Commercial Property Loan) (Florida)

This legal template could be a document used in Florida to release a portion of a mortgage on a commercial property loan. The partial release would allow the borrower to free up specific collateral or property from the mortgage, while keeping the remaining portion of the loan intact.

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Senior Management Due Diligence Call Agenda: Private Equity Acquisition Transaction

This legal template outlines the agenda for a due diligence conference call regarding senior management in a private equity acquisition transaction. It provides a structured discussion framework to evaluate the competence, integrity, and suitability of the target company's leadership team before finalizing the acquisition deal.

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Secretary's Certificate (Commercial Property Acquisition and Finance)

This legal template is a Secretary's Certificate specifically designed for documenting commercial property acquisition and finance transactions. It likely includes essential details such as the property being acquired, terms of financing, relevant parties, and the secretary's confirmation of the transaction's approval.

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26
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Bylaws (Minnesota)

This legal template provides a comprehensive guide for creating and establishing the bylaws of an organization based in Minnesota, ensuring compliance with the laws and regulations of the United States of America.

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Forward-Looking Statements: Earnings Releases

This legal template provides guidelines and disclaimers for companies to include in their earnings releases, highlighting that any statements regarding future performance or expectations are considered forward-looking and subject to various risks and uncertainties. It helps protect companies from potential litigation related to these forward-looking statements.

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Loan Modification Contract (Commercial Property Loan) (Lender-friendly) (Pennsylvania)

This legal template is designed for a lender who wants to modify the terms of a commercial property loan in Pennsylvania, following USA law. It includes provisions that are favorable to the lender's interests.

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Authentication Order: Private Debt Offerings

This legal template likely pertains to a document that establishes an authentication order for private debt offerings in the United States. It may contain instructions and guidelines for the authentication of financial documents related to private debt offerings, ensuring compliance with relevant laws and regulations.

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Manager Written Consent Template (Tennessee)

This legal template likely refers to a document that outlines the agreement and consent given by a manager or supervisor in Tennessee, USA, for certain actions or decisions. It could cover various aspects such as employment matters, business operations, or organizational changes.

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Bidding Procedures For Section 363 Sale (Delaware)

This legal template provides guidance and instructions for conducting a section 363 Sale under USA law, specifically in Delaware. It outlines the procedures and requirements for bidding on assets or property in a bankruptcy case.

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Secretary's Certificate of Company: Public Equity Offerings

This legal template is a Secretary's Certificate of Company for Public Equity Offerings. It provides a formal declaration of the resolutions passed by a company's board of directors, authorizing the issuance of equity securities to the public. The certificate serves as evidence of the board's approval and compliance with the applicable laws and regulations governing public equity offerings.

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Satisfaction of Mortgage (Commercial Property Loan) (Florida)

This legal template is a document that confirms the satisfaction and release of a mortgage on a commercial property loan in the state of Florida. It signifies that the loan has been fully repaid and the property is no longer encumbered by the mortgage.

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Certificate of Conversion (Missouri)

This legal template is designed to facilitate the conversion process of a business entity in Missouri under United States law. It provides a standardized Certificate of Conversion document to record the conversion and ensure compliance with relevant legal requirements.

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Manager Written Consent Template (California)

This legal template is designed to provide a standardized format for obtaining written consent from managers in California, in accordance with USA law. It ensures compliance with legal requirements while serving as a clear record of agreement between the parties involved.

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Guaranty of Nonrecourse Carveout Obligations (Lender-friendly) (Illinois)

This legal template likely refers to a contract regarding a guaranty of nonrecourse carveout obligations in the state of Illinois. It is designed to protect the interests of the lender, outlining the terms and conditions under which the guarantor assumes responsibility for certain specified obligations in a nonrecourse loan.

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Workplace Drug Testing Consent Form (Missouri)

This legal template is a consent form for employees to voluntarily undergo drug testing in the workplace in the state of Missouri. It outlines the purpose, procedures, and rights of individuals involved, ensuring compliance with local laws and regulations.

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By-Laws (New Jersey)

This legal template provides a standardized set of rules and regulations that govern the internal operations and management of an organization located in New Jersey, in compliance with the laws of the United States of America.

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Manager Written Consent Template (Texas)

This legal template provides a written consent document specifically designed for managers operating in the state of Texas, in accordance with the laws governing business operations in the United States.

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Form of Consolidated Balance Sheet For SDNY

This legal template is likely to be a standardized form used in the Southern District of New York (SDNY) for preparing and presenting a consolidated balance sheet. The template would provide a structured format to document and present a company's assets, liabilities, and equity in a consolidated manner.

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Stipulated Protective Order (Illinois)

This legal template likely pertains to a court-issued order setting out terms and conditions for protecting sensitive information during the course of a legal proceeding in the state of Illinois. It aims to prevent the improper disclosure or use of confidential materials.

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Assignment and Assumption of Contracts, Warranties, Permits, and Licenses (Commercial Property Purchase and Sale) (California)

This legal template outlines the transfer of contracts, warranties, permits, and licenses in a commercial property purchase and sale transaction in California, governed by USA law.

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Complex Business Litigation Program Proposed Discovery Plan (New Jersey)

This legal template outlines a proposed discovery plan for a complex business litigation case in New Jersey, under the jurisdiction of USA law. It provides a framework for managing the discovery process and gathering relevant evidence to support the case.

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Organizational Action by Sole Incorporator of a Corporation (Louisiana)

This legal template is likely a document outlining the actions taken by the sole incorporator of a corporation in the state of Louisiana. It may cover topics such as organizational decisions, appointment of officers, and other important steps in establishing and formalizing the corporation's structure.

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Bylaws (Louisiana)

This legal template offers a concise guide for writing the bylaws of an organization or association in Louisiana, ensuring compliance with the legal framework established by U.S. law. It covers key aspects such as membership, board structure, meetings, voting procedures, and more.

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Environmental Indemnity Contract (Lender-friendly) (Georgia)

This legal template is an Environmental Indemnity Contract specifically designed for lenders in Georgia under USA law. It likely outlines the terms and conditions for protecting the lender from any environmental liabilities associated with a loan or mortgage transaction.

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Inter Partes Review: Motion: Additional Discovery Regarding Commercial Success (Patent Owner)

This legal template relates to a motion in an Inter Partes Review proceeding in the USA. It seeks additional discovery on the subject of commercial success, specifically from the perspective of the patent owner. The purpose is to gather relevant evidence to support the patent owner's argument regarding the commercial success of their patented invention.

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Third-Party Legal Opinion For Secured Loans (Syndicated Transactions)

This legal template provides a detailed opinion on the validity and enforceability of secured loans in syndicated transactions involving multiple parties, offering assurance to lenders about the legal aspects of the transaction.

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Officer's Certificate: Public Debt Offerings

This legal template likely pertains to an Officer's Certificate related to public debt offerings. It could involve documentation and certification related to the issuance, terms, and conditions of public debt securities by a company or government entity.

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Time Draft For Commercial Letter of Credit

This legal template could be a standardized document used to establish the terms and conditions for a time draft relating to a commercial letter of credit. It could outline the payment obligations, due date, and other relevant details for the parties involved in the transaction.

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Assignment and Assumption of Intangible Property (Commercial Property Purchase and Sale)

This legal template is designed to handle the transfer and acceptance of intangible properties between commercial property buyers and sellers in accordance with the laws of the United States.

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Property Development Joint Venture Term Sheet

This legal template outlines the key terms and conditions of a joint venture agreement between two parties for the purpose of property development. It covers aspects such as profit sharing, project timeline, roles and responsibilities, and dispute resolution mechanisms.

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Purchase and Sale Contract (Commercial Property) (Purchaser-friendly Long Form) (Texas)

This legal template is a detailed Purchase and Sale Contract specifically designed for commercial properties in Texas, with a focus on protecting the interests of the purchaser. It covers important aspects of the transaction, such as terms, conditions, warranties, and contingencies involved in the sale of the property.

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Manager Written Consent Template (Missouri)

This legal template likely provides a standardized format for obtaining written consent from a manager in Missouri, USA, addressing various legal requirements under local law. It could cover matters such as authorizing certain actions, approving projects, or granting permissions in a business or organizational context.

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Sale of Goods Contract (Seller-friendly, Simple) (Pennsylvania)

This legal template outlines a simple and seller-friendly agreement for the sale of goods in Pennsylvania. It provides clear terms and conditions to protect the interests of the seller during the transaction process.

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Surprise Medical Billing For Group Health Plans & Health Insurers: Plain Language Disclosure

This legal template addresses the issue of surprise medical billing for group health plans and health insurers, focusing on the need for clear and understandable disclosure in plain language to protect consumers.

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Shares Appreciation Rights Contract (Public Company) (Non-Employee Directors)

This legal template could be a contract specifically designed for non-employee directors in a public company, outlining the terms and conditions for their shares appreciation rights within the organization.

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Closing Agenda: Follow-On Equity Offering on Shelf Registration Statement

This legal template provides a closing agenda for a Follow-On Equity Offering on a Shelf Registration Statement under USA law. It outlines the necessary steps and procedures to be followed in the closing process for such an offering.

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Workplace Drug Testing Policy (Texas)

This legal template likely provides guidelines and regulations for companies in Texas to implement drug testing policies in the workplace. It may cover procedures, rights, consent, consequences, and other related aspects to ensure a safe and drug-free work environment.

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Allonge to Promissory Note (Commercial Property Loan) (Florida)

This legal template pertains to an allonge, which is an attachment to a promissory note for a commercial property loan in the state of Florida, governed by the laws of the United States. It likely contains provisions related to amendments, endorsements, and other relevant details concerning the loan agreement.

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Chapter 11 Motion Seeking to Honor Customer Programs (SDNY)

This legal template is likely a motion filed under Chapter 11 bankruptcy laws in the Southern District of New York (SDNY), requesting permission to continue customer programs during the bankruptcy process. It aims to enforce and uphold existing agreements or initiatives that benefit customers under the jurisdiction of US law.

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Intercompany Trademark License Contract

This legal template is a document that outlines the terms and conditions for licensing a trademark between two related companies operating in the USA.

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LLC Consent (Property Financing) (Ohio)

This legal template likely pertains to obtaining consent from members of a Limited Liability Company (LLC) in the state of Ohio, USA, specifically in relation to property financing. It could cover the necessary legal requirements and procedures for seeking consent from LLC members for financing or refinancing a property owned by the company.

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Accountant Retention Contract (Kovel Letter)

This legal template is a document that outlines the terms and conditions for retaining an accountant's services, specifically in relation to a Kovel Letter arrangement under USA law. The contract may cover confidentiality, scope of work, fees, and other relevant provisions for the accountant-client relationship.

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Sight Draft For Commercial Letter of Credit

This legal template could be a standardized document for issuing sight drafts as a payment method for commercial transactions involving a letter of credit.

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Loan Modification Contract (Commercial Property Loan) (Lender-friendly) (Illinois)

This legal template is a loan modification contract specifically designed for commercial property loans in the state of Illinois, ensuring it complies with USA law. It is drafted with a focus on protecting the interests of the lender.

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Security Contract for Personal Property (Commercial Property Loan) (Simple) (New York)

This legal template could be a contract used to secure personal property as collateral for a commercial property loan. It is a simple agreement tailored for use in New York.

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Contribution Contract (Multiple Corporate Guarantors)

This legal template outlines a contribution contract under USA law that involves multiple corporate guarantors. It likely details the terms and conditions regarding financial contributions made by these guarantors towards a specific venture or project, aiming to protect the interests of all parties involved.

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Commencing ICC arbitration (2012, 2017 & 2021 Rules): Answer to Request: covering letter

This legal template provides a covering letter in accordance with USA law as a response to a request for commencing ICC arbitration. It is applicable to cases falling under the ICC arbitration rules from 2012, 2017, and 2021.

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Trial Subpoena (New Jersey)

This legal template is likely a subpoena form specific to New Jersey courts. It could be used to compel the attendance of witnesses or the production of documents in a trial happening in the state of New Jersey.

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Deed of Trust, Assignment of Leases and Rents, Security Contract, and Fixture Filing (Lender-friendly Simple) (with Loan Contract) (Texas)

This legal template is a comprehensive document that outlines the terms and conditions for a loan contract in Texas under USA law. It includes provisions for a deed of trust, assignment of leases and rents, security contract, and fixture filing, all designed to protect the lender's interests.

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Loan Modification Contract (Commercial Property Loan) (Lender-friendly) (New Jersey)

This legal template is a lender-friendly Loan Modification Contract for a Commercial Property Loan in the state of New Jersey, under USA law. It includes provisions and terms for modifying the loan agreement to accommodate specific changes or adjustments requested by the lender.

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