A set of Standard Clauses used in commercial real estate loan transactions. These Standard Clauses set out special conditions precedent to disbursements from loan reserve accounts paying for leasing commissions or the cost of labor, services, or materials to improve real property. These conditions ensure the lien-free completion of the payment and performance obligations of the borrower. These Standard Clauses contain integrated notes with important explanations and drafting and negotiating tips for all loan parties.