{"component": "definition", "props": {"groups": [{"snippet_links": [{"key": "the-loan-amount", "type": "clause", "offset": [8, 23]}, {"key": "set-out", "type": "definition", "offset": [24, 31]}, {"key": "details-section", "type": "definition", "offset": [44, 59]}, {"key": "commercial-terms", "type": "clause", "offset": [69, 85]}], "samples": [{"hash": "amZjwsKs0ot", "uri": "/contracts/amZjwsKs0ot#initial-unpaid-balance", "label": "Loan & Security Agreement", "score": 31.9367485183, "published": true}, {"hash": "iJ1nEDiNJym", "uri": "/contracts/iJ1nEDiNJym#initial-unpaid-balance", "label": "Consumer Loan & Security Agreement", "score": 31.1839060045, "published": true}, {"hash": "9hW3qOH46mK", "uri": "/contracts/9hW3qOH46mK#initial-unpaid-balance", "label": "Consumer Loan & Security Agreement", "score": 31.1839060045, "published": true}], "snippet": "This is the LOAN AMOUNT set out in the LOAN DETAILS section in these Commercial Terms.", "size": 14, "hash": "9b0f874c919cf0f96cb05cd06b0bf891", "id": 1}, {"snippet_links": [{"key": "date-of-this-agreement", "type": "clause", "offset": [29, 51]}, {"key": "details-of-the", "type": "clause", "offset": [93, 107]}, {"key": "disclosure-statement", "type": "definition", "offset": [108, 128]}, {"key": "day-of", "type": "clause", "offset": [204, 210]}, {"key": "interest-in-land", "type": "clause", "offset": [261, 277]}, {"key": "land-to-be-mortgaged", "type": "clause", "offset": [280, 300]}, {"key": "the-land", "type": "clause", "offset": [308, 316]}, {"key": "the-box", "type": "definition", "offset": [354, 361]}, {"key": "what-could-happen-if-you-fail-to-meet-your-commitments", "type": "clause", "offset": [369, 423]}, {"key": "real-property", "type": "definition", "offset": [427, 440]}, {"key": "legal-paper", "type": "definition", "offset": [479, 490]}, {"key": "a-notice", "type": "definition", "offset": [512, 520]}, {"key": "about-this-agreement", "type": "clause", "offset": [548, 568]}, {"key": "the-expression", "type": "definition", "offset": [646, 660]}, {"key": "employees-and-agents", "type": "clause", "offset": [674, 694]}, {"key": "any-person", "type": "clause", "offset": [699, 709]}, {"key": "lender-assigns", "type": "clause", "offset": [722, 736]}, {"key": "agreement-or", "type": "definition", "offset": [759, 771]}, {"key": "you-must-pay", "type": "clause", "offset": [871, 883]}, {"key": "responsible-for", "type": "clause", "offset": [953, 968]}, {"key": "motor-vehicle", "type": "definition", "offset": [1029, 1042]}, {"key": "body-corporate", "type": "definition", "offset": [1223, 1237]}, {"key": "unincorporated-body", "type": "clause", "offset": [1265, 1284]}, {"key": "personal-property-securities-act-1999", "type": "clause", "offset": [1333, 1370]}, {"key": "interest-and-fees", "type": "clause", "offset": [1515, 1532]}, {"key": "to-your-account", "type": "clause", "offset": [1533, 1548]}, {"key": "your-default", "type": "clause", "offset": [1623, 1635]}, {"key": "first-time", "type": "definition", "offset": [1659, 1669]}, {"key": "amount-owing", "type": "definition", "offset": [1699, 1711]}, {"key": "amounts-credited", "type": "definition", "offset": [1788, 1804]}, {"key": "type-of-charge", "type": "definition", "offset": [1898, 1912]}, {"key": "a-\u2587", "type": "clause", "offset": [1918, 1921]}, {"key": "work-on", "type": "definition", "offset": [1970, 1977]}, {"key": "the-goods", "type": "definition", "offset": [1978, 1987]}, {"key": "the-\u2587", "type": "clause", "offset": [1989, 1994]}, {"key": "work-and", "type": "clause", "offset": [2045, 2053]}, {"key": "your-car", "type": "clause", "offset": [2131, 2139]}, {"key": "in-this-agreement", "type": "definition", "offset": [2217, 2234]}, {"key": "credit-contracts-and-consumer-finance-act-2003", "type": "clause", "offset": [2277, 2323]}, {"key": "the-context", "type": "clause", "offset": [2331, 2342]}, {"key": "for-example", "type": "clause", "offset": [2499, 2510]}], "samples": [{"hash": "7KFFEQ1OerB", "uri": "/contracts/7KFFEQ1OerB#initial-unpaid-balance", "label": "Loan Agreement", "score": 26.9411362081, "published": true}, {"hash": "k3uhJCZObtP", "uri": "/contracts/k3uhJCZObtP#initial-unpaid-balance", "label": "Loan Agreement", "score": 25.8281998631, "published": true}], "snippet": "is the amount you owe at the date of this agreement and it is further detailed in the CREDIT DETAILS of the disclosure statement. \u201cInstalment\u201d means a payment you must make regularly, usually on the same day of each week, fortnight or month. \u201cLand\u201d includes an interest in land. \u201cLand to be mortgaged\u201d means the land shown in the disclosure statement in the box headed WHAT COULD HAPPEN IF YOU FAIL TO MEET YOUR COMMITMENTS\u201d, \u201cReal Property - The Land to be Mortgaged\u201d section. \u201cLegal paper\u201d means a document or a notice or other written paperwork about this agreement. \u201cLender\u201d or \u201cwe\u201d or any similar pronoun is the person lending the money and the expression includes its employees and agents and any person to whom the lender assigns its rights under this agreement or who otherwise takes over the lender\u2019s rights. \u201cLiability\u201d means something you must do or an amount you must pay. If you are liable to do something or pay anything, it means you are responsible for doing or paying \u2013 you must do the thing or pay the amount. \u201cMotor Vehicle\u201d has the meaning given in section 57 of the PPSA. \u201cObligation\u201d means something that you must do or that must not do. \u201cPerson\u201d and pronouns such as \u201canyone\u201d or \u201csomebody\u201d include a body corporate (such as a company) and an unincorporated body (such as a partnership or trust). \u201cPPSA\u201d is the Personal Property Securities Act 1999. \u201cPrincipal\u201d is the initial unpaid balance before interest is charged and it is the unpaid balance on which interest is charged. When we charge interest and fees to your account they become part of principal. \u201cRepossess\u201d includes the meaning \u201cseize on your default whether or not for the first time\u201d. \u201cUnpaid balance\u201d means the amount owing under this agreement at a particular time, being the difference between all amounts credited and all amounts debited to you under this agreement at that time. \u201c\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2019\u2587 \u2587\u2587\u2587\u2587\u201d means the type of charge that a \u2587\u2587\u2587\u2587\u2587\u2587\u2587 has on somebody else\u2019s goods when he does work on the goods. The \u2587\u2587\u2587\u2587\u2587\u2587\u2587 may keep the goods until he is paid for the work and if he is not paid he may sell them. A mechanic will have a \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2019\u2587 \u2587\u2587\u2587\u2587 on your car if he does work on it at his garage. Any expression not described or defined in this agreement shall have the meaning given to it in the Credit Contracts and Consumer Finance Act 2003 unless the context requires otherwise. Unless the context prevents it, the singular shall include the plural and vice versa and one gender includes others to the effect that, for example, \u201che\u201d includes \u201cthey\u201d, \u201cshe\u201d and \u201cit\u201d.", "size": 8, "hash": "ad88fc928820c3176c7f091f3411598c", "id": 2}, {"snippet_links": [{"key": "date-of-this-agreement", "type": "clause", "offset": [29, 51]}, {"key": "details-of-the", "type": "clause", "offset": [93, 107]}, {"key": "disclosure-statement", "type": "definition", "offset": [108, 128]}, {"key": "day-of", "type": "clause", "offset": [204, 210]}, {"key": "interest-in-land", "type": "clause", "offset": [261, 277]}, {"key": "land-to-be-mortgaged", "type": "clause", "offset": [280, 300]}, {"key": "the-land", "type": "clause", "offset": [308, 316]}, {"key": "the-box", "type": "definition", "offset": [354, 361]}, {"key": "what-could-happen-if-you-fail-to-meet-your-commitments", "type": "clause", "offset": [369, 423]}, {"key": "real-property", "type": "definition", "offset": [427, 440]}, {"key": "legal-paper", "type": "definition", "offset": [479, 490]}, {"key": "a-notice", "type": "definition", "offset": [512, 520]}, {"key": "about-this-agreement", "type": "clause", "offset": [548, 568]}, {"key": "the-expression", "type": "definition", "offset": [646, 660]}, {"key": "employees-and-agents", "type": "clause", "offset": [674, 694]}, {"key": "any-person", "type": "clause", "offset": [699, 709]}, {"key": "lender-assigns", "type": "clause", "offset": [722, 736]}, {"key": "agreement-or", "type": "definition", "offset": [759, 771]}, {"key": "you-must-pay", "type": "clause", "offset": [871, 883]}, {"key": "responsible-for", "type": "clause", "offset": [953, 968]}, {"key": "motor-vehicle", "type": "definition", "offset": [1029, 1042]}], "samples": [{"hash": "8q5lFFkEpwA", "uri": "/contracts/8q5lFFkEpwA#initial-unpaid-balance", "label": "Loan and Security Deed of Agreement and Disclosure of Terms and Guarantee", "score": 32.9113373724, "published": true}, {"hash": "1vAde6SdALo", "uri": "/contracts/1vAde6SdALo#initial-unpaid-balance", "label": "Loan and Security Agreement", "score": 32.9113373724, "published": true}, {"hash": "fNXpFgit9vM", "uri": "/contracts/fNXpFgit9vM#initial-unpaid-balance", "label": "Loan and Security Deed of Agreement and Disclosure of Terms and Guarantee", "score": 32.6621550124, "published": true}], "snippet": "is the amount you owe at the date of this agreement and it is further detailed in the CREDIT DETAILS of the disclosure statement. \u201cInstalment\u201d means a payment you must make regularly, usually on the same day of each week, fortnight or month. \u201cLand\u201d includes an interest in land. \u201cLand to be mortgaged\u201d means the land shown in the disclosure statement in the box headed WHAT COULD HAPPEN IF YOU FAIL TO MEET YOUR COMMITMENTS\u201d, \u201cReal Property - The Land to be Mortgaged\u201d section. \u201cLegal paper\u201d means a document or a notice or other written paperwork about this agreement. \u201cLender\u201d or \u201cwe\u201d or any similar pronoun is the person lending the money and the expression includes its employees and agents and any person to whom the lender assigns its rights under this agreement or who otherwise takes over the lender\u2019s rights. \u201cLiability\u201d means something you must do or an amount you must pay. If you are liable to do something or pay anything, it means you are responsible for doing or paying \u2013 you must do the thing or pay the amount. \u201cMotor Vehicle\u201d has the meaning given in", "size": 3, "hash": "122c428674c9bc5346cdbf50e71ad22a", "id": 3}, {"snippet_links": [{"key": "credit-details", "type": "clause", "offset": [54, 68]}, {"key": "initial-disclosure-statement", "type": "clause", "offset": [77, 105]}], "samples": [{"hash": "hFtABnTfAzF", "uri": "/contracts/hFtABnTfAzF#initial-unpaid-balance", "label": "Loan Agreement", "score": 35.3528384058, "published": true}, {"hash": "jzsyE5vefD9", "uri": "/contracts/jzsyE5vefD9#initial-unpaid-balance", "label": "Loan Agreement", "score": 27.6995208761, "published": true}, {"hash": "cu7nrflUanw", "uri": "/contracts/cu7nrflUanw#initial-unpaid-balance", "label": "Loan Agreement", "score": 26.6687200548, "published": true}], "snippet": "has the meaning given to that term under the heading \u201cCredit Details\u201d in the Initial Disclosure Statement;", "size": 3, "hash": "7a5164fc25eb023c81acbec764943782", "id": 4}, {"snippet_links": [{"key": "date-of-this-agreement", "type": "clause", "offset": [29, 51]}, {"key": "details-of-the", "type": "clause", "offset": [93, 107]}, {"key": "disclosure-statement", "type": "definition", "offset": [108, 128]}, {"key": "day-of", "type": "clause", "offset": [204, 210]}, {"key": "interest-in-land", "type": "clause", "offset": [261, 277]}, {"key": "land-to-be-mortgaged", "type": "clause", "offset": [280, 300]}, {"key": "the-land", "type": "clause", "offset": [308, 316]}, {"key": "the-box", "type": "definition", "offset": [354, 361]}, {"key": "what-could-happen-if-you-fail-to-meet-your-commitments", "type": "clause", "offset": [369, 423]}, {"key": "real-property", "type": "definition", "offset": [427, 440]}], "samples": [{"hash": "aIrrkxbI5Lk", "uri": "/contracts/aIrrkxbI5Lk#initial-unpaid-balance", "label": "Loan Agreement", "score": 24.0198494182, "published": true}, {"hash": "7K1vMTozbl2", "uri": "/contracts/7K1vMTozbl2#initial-unpaid-balance", "label": "Loan Agreement", "score": 23.2026009582, "published": true}], "snippet": "is the amount you owe at the date of this agreement and it is further detailed in the CREDIT DETAILS of the disclosure statement. \u201cInstalment\u201d means a payment you must make regularly, usually on the same day of each week, fortnight or month. \u201cLand\u201d includes an interest in land. \u201cLand to be mortgaged\u201d means the land shown in the disclosure statement in the box headed WHAT COULD HAPPEN IF YOU FAIL TO MEET YOUR COMMITMENTS\u201d, \u201cReal Property - The Land to be", "size": 3, "hash": "2c876d21460b3df8de93bffa7702cfd3", "id": 5}, {"snippet_links": [{"key": "at-the-effective-date", "type": "clause", "offset": [31, 52]}, {"key": "initial-disclosure", "type": "definition", "offset": [70, 88]}], "samples": [{"hash": "66KaMkb5e2b", "uri": "https://www.gocar.co.nz/downloads/assets/3419/1/terms-&-conditions.pdf", "label": "www.gocar.co.nz", "score": 9.9801505818, "published": false}], "snippet": "means the amount you owe us as at the Effective Date as stated in the Initial Disclosure", "size": 3, "hash": "7b22ea0cb560bd3e00006a64f42466ff", "id": 6}, {"snippet_links": [{"key": "given-that", "type": "definition", "offset": [16, 26]}, {"key": "schedule-of-loan-terms", "type": "definition", "offset": [39, 61]}, {"key": "money-owed", "type": "clause", "offset": [79, 89]}, {"key": "the-credit-union", "type": "definition", "offset": [93, 109]}, {"key": "by-the-member", "type": "clause", "offset": [110, 123]}, {"key": "this-agreement", "type": "clause", "offset": [130, 144]}, {"key": "market-value", "type": "definition", "offset": [146, 158]}], "samples": [{"hash": "50fU8YdEUnO", "uri": "/contracts/50fU8YdEUnO#initial-unpaid-balance", "label": "First Home Together Facility Agreement (Mortgage Security)", "score": 35.2656812337, "published": true}, {"hash": "lTtU3WJKL0u", "uri": "/contracts/lTtU3WJKL0u#initial-unpaid-balance", "label": "First Home Together Facility Agreement (Mortgage Security)", "score": 34.3237636628, "published": true}], "snippet": "has the meaning given that term in the Schedule of Loan Terms. Loan: means all money owed to the Credit Union by the Member under this Agreement. Market Value means:", "size": 2, "hash": "b85399b60848281cc54c3421c64579f0", "id": 7}, {"snippet_links": [{"key": "the-borrower", "type": "definition", "offset": [11, 23]}, {"key": "the-day", "type": "definition", "offset": [32, 39]}, {"key": "initial-disclosure-statement", "type": "clause", "offset": [57, 85]}, {"key": "date-of", "type": "clause", "offset": [108, 115]}, {"key": "loan-agreement", "type": "definition", "offset": [121, 135]}, {"key": "subsequent-advances", "type": "definition", "offset": [137, 156]}, {"key": "settlement-date", "type": "clause", "offset": [205, 220]}, {"key": "lump-sum", "type": "definition", "offset": [228, 236]}, {"key": "construction-loan", "type": "definition", "offset": [278, 295]}, {"key": "timing-of", "type": "clause", "offset": [369, 378]}, {"key": "product-type", "type": "clause", "offset": [499, 511]}, {"key": "fixed-interest-rate", "type": "definition", "offset": [513, 532]}, {"key": "period-of", "type": "clause", "offset": [550, 559]}, {"key": "variable-interest-rate", "type": "definition", "offset": [574, 596]}, {"key": "term-of", "type": "clause", "offset": [683, 690]}], "samples": [{"hash": "6Q70exa0wZ7", "uri": "/contracts/6Q70exa0wZ7#initial-unpaid-balance", "label": "Loan Agreement", "score": 33.5860858943, "published": true}, {"hash": "4LVDQEzLm8L", "uri": "/contracts/4LVDQEzLm8L#initial-unpaid-balance", "label": "Loan Agreement", "score": 33.4740379614, "published": true}], "snippet": "The amount the borrower owes on the day specified in the initial disclosure statement. \u2587\u2587\u2587 (as at Statement Date of your Loan Agreement) Subsequent advances: This Portion is to be borrowed and drawdown on settlement date in one lump sum. It cannot be drawn down progressively. [Construction Loan]This Portion is to be borrowed and drawdown in stages. As the amount and timing of subsequent advances can not been known, therefore it cannot be disclosed.[Please delete if it is not construction loan] Product type: Fixed Interest Rate for a Fixed Rate Period of <x> <months> [Variable Interest Rate] [Please delete if it is not Variable Interest rate] Fixed Rate Period: Initial fixed term of <x> <months> Interest-only Period: Interest-only for <x> <months>", "size": 2, "hash": "5893e43a074c50072cc8bac86db81999", "id": 8}, {"snippet_links": [{"key": "outstanding-balance", "type": "clause", "offset": [10, 29]}, {"key": "date-of-this", "type": "clause", "offset": [37, 49]}, {"key": "set-out", "type": "definition", "offset": [61, 68]}, {"key": "clause-2", "type": "definition", "offset": [72, 80]}], "samples": [{"hash": "2ZzQjs5b8IH", "uri": "https://www.bnz.co.nz/assets/about-us/governance/pdfs/Vanilla-Overdraft-Agreement-Sample-Final.pdf?675d7028f6c291656c2917fd5d35d6576935e2f3", "label": "www.bnz.co.nz", "score": 8.5797399042, "published": false}], "snippet": "means the Outstanding Balance on the date of this letter, as set out in clause 2.", "size": 1, "hash": "fdfaaf6e347d70ab5e5658f619378306", "id": 9}, {"snippet_links": [{"key": "with-respect-to", "type": "clause", "offset": [7, 22]}, {"key": "purchased-receivable", "type": "definition", "offset": [27, 47]}, {"key": "at-any-time", "type": "clause", "offset": [49, 60]}, {"key": "nominal-amount", "type": "definition", "offset": [65, 79]}, {"key": "the-offer", "type": "clause", "offset": [122, 131]}, {"key": "sale-of", "type": "clause", "offset": [140, 147]}], "samples": [{"hash": "hxt7BCXQNoj", "uri": "https://www.sec.gov/Archives/edgar/data/1072483/000104746911010102/a2205713zex-4_22.htm", "label": "Belgian Receivables Purchase Agreement (Sappi LTD)", "score": 13.9520876112, "published": false}], "snippet": "means, with respect to any Purchased Receivable, at any time the nominal amount of such Purchased Receivable specified in the Offer for the sale of such Receivable.", "size": 1, "hash": "8c56bf0a8bdc42cf9ba33d641d07f866", "id": 10}], "next_curs": "CmMSXWoVc35sYXdpbnNpZGVyY29udHJhY3Rzcj8LEhpEZWZpbml0aW9uU25pcHBldEdyb3VwX3Y1NiIfaW5pdGlhbC11bnBhaWQtYmFsYW5jZSMwMDAwMDAwYQyiAQJlbhgAIAA=", "definition": {"title": "Initial Unpaid Balance", "snippet": "This is the LOAN AMOUNT set out in the LOAN DETAILS section in these Commercial Terms.", "size": 41, "id": "initial-unpaid-balance", "examples": ["The repayment waiver ONLY applies if we have charged you a Repayment Waiver Fee included in the <strong>Initial Unpaid Balance</strong> Events covered by this repayment waiver.", "Residential Address: B1Address Email Address: B1Email Mobile phone number: B1Mobile Full name (including middle names) B2Name Residential Address: B2Address Email Address: B2Email Mobile phone number: B2Mobile Residential Address: G1Address Email Address: G1Email <strong>Initial Unpaid Balance</strong> / Total Advances OpeningBalance This is the amount you owe at the date of this statement (including any fees charged by the lender).", "They are not included in the <strong>Initial Unpaid Balance</strong> referred to above.", "The <strong>Initial Unpaid Balance</strong> of Receivables denominated in Eligible Functional Currencies will be converted by the Master Servicer into USD at the Applicable Exchange Rate.", "This is made up of: Amount Financed [AMTFIN] Establishment Fees [ESTFEE] Broker Fee [BRKFEE] Mechanical Breakdown Insurance [MBI] Loan Repayment Insurance [LRI] GAP Insurance [GAP] Lifestyle Protection Insurance [LPI] Payment Waiver PwaCover [PWAI] Direct Costs [OOCOSTS] Sub Total [SUBT1] Less: Deposit [CDP] Trade-in [TDI] Sub Total [SUBT2] <strong>Initial Unpaid Balance</strong> [TotalAdvances] The <strong>Initial Unpaid Balance</strong> is the total amount of the loan to be made to you.", "The Debtor shall repay the <strong>Initial Unpaid Balance</strong> by payment of &lt;amount&gt; fortnightly payments of &lt;amount&gt; and 1 final payment of &lt;amount&gt; .", "The <strong>Initial Unpaid Balance</strong> of Receivables denominated in Eligible Functional Currencies will be converted by the Master Servicer into EUR at the Applicable Exchange Rate.", "<strong>Initial Unpaid Balance</strong> of Receivables sold or contributed during the preceding calendar month: $ __________ 2.", "Name: SCL Finance Ltd Postal Address: PO Box 4134 Christchurch 8140 Telephone: +\u2587\u2587 (\u2587) \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 Email: \u2587\u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587.\u2587\u2587 BORROWER DETAILS Borrower Name CREDIT DETAILS \u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 Phone: (\u2587\u2587\u2587) \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 Email: \u2587\u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587 <strong>Initial Unpaid Balance</strong> This is the amount you owe at the date of this statement (including any fees charged by the lender).", "The Balance Payable includes a $5 monthly administration fee., this amount is not included in the <strong>Initial Unpaid Balance</strong>, but is included in the regular payment listed on the front page."], "related": [["unpaid-balance", "Unpaid Balance", "Unpaid Balance"], ["scheduled-balance", "Scheduled Balance", "Scheduled Balance"], ["scheduled-balances", "Scheduled Balances", "Scheduled Balances"], ["planned-balance", "Planned Balance", "Planned Balance"], ["class-balance", "Class Balance", "Class Balance"]], "related_snippets": [], "updated": "2025-07-07T00:35:48+00:00"}, "json": true, "cursor": ""}}