​​​​​​​​​​​​​​​​​ ​THE BOURNE FIRM

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​​​​​​​​​​​​​​Experienced on-demand general counsel for small to mid-sized companies not yet ready for full-time general counsel. 

The following are examples of THE BOURNE FIRM's experience with respect to banking and how that experience could benefit you:

• ​​​Advised regarding relationships with, products of, and regulations and technology impacting, domestic and international banks, including with respect to accounts, custody, trusts, estates, powers of attorney, indemnification, transfers, sweeps, swaps, overdrafts, deposits and loans.
  
• Reviewed numerous domestic and international banking agreements, including account agreements, custodian agreements, electronic fund transfers disclosures, loan agreements related to expatriates, overdraft lines of credit, time deposit documentation, pay-on-death account documentation, funds transfer availability disclosures, powers of attorney, wire transfer agreements and indemnification agreements.
  
• Analyzed and negotiated sweep surplus cash management agreement between company and large international bank designed to facilitate sweep mechanism for concentration account.
  
• Worked in consultation with treasury and tax departments and, to a limited extent, outside counsel, to negotiate master agreement for interest rate swaps, foreign exchange transactions and equity options in notional amounts exceeding $100,000,000 between company and large international bank.
  
• Drafted, negotiated and advised regarding master letter of credit facilities between company and numerous domestic and international banks.
  
• Researched the law of individual retirement accounts and designed software workflow and logic to generate correct agreements and disclosures according to specific facts provided by user.
  
• Reviewed documentation for numerous commercial paper transactions, including transactions whereby company would purchase commercial paper and eurocommerical paper.
  
• Reviewed, and advised regarding, custody services agreement between company primarily engaged in insurance services and large bank under which bank acted as custodian for commercial paper, treasuries and cash proceeds.
  
• Counseled concerning securities lending agreement authorizing custodian to lend domestic and foreign securities held in custodial account.
  
• Counseled concerning account agreement under which investment manager agreed to acquire, manage and dispose of portfolio of international securities.
  
• Reviewed and advised concerning agreement for bankers’ acceptance financing, which would allow company to borrow in the capital market at very attractive rates.
  
• Reviewed and advised concerning put options for common stock with major commercial banks.
  
• Drafted license agreement for payment of license fee by farm credit banks for financial software license agreement.
  
• Analyzed various laws related to formal and informal trusts and implemented requirements of those laws with legally correct documentation and highly efficient processes. 
  
• Reviewed acquirer processing agreement concerning data transmitted through checking software that would allow a bank to obtain additional data about customers.
  
• Advised regarding agreement for the electronic transfer of funds from one international bank to another.
  
• Analyzed and negotiated agreement for advice regarding contacts and relationships with rating agencies designed to enhance credit rating of multinational corporation.​
  
• Assessed and counseled concerning language designed to allow transactions to be conducted electronically.
  
• Drafted, revised and refined banking, investment and credit policies.