Standard Clauses containing customary representations and warranties required under a commercial real estate loan agreement. These Standard Clauses contain loan representations made about the borrower parties, the loan collateral, and any the other transactions and agreements that bind the borrower parties. These Standard Clauses contain integrated notes with guidance on how to verify the truth and accuracy of loan representations. The Drafting Notes in these Standard Clauses also explain the rationale for requiring certain representations and include drafting and negotiating tips for all loan parties.