Most people in the United States get enough vitamin A from the foods they eat, and vitamin A deficiency is rare. However, certain groups of people are more likely than others to have trouble getting enough vitamin A: Premature infants, who often have low levels of vitamin A in their first year.
The Negative Pledge. Banks have traditionally used a device known as the negative pledge (âNegative Pledgeâ) in lending documents. The Negative Pledge is an agreement whereby a borrower-pledgor promises a lender not to place a lien on pledgorâs property.
In Australia, negative pledge lending took off after a substantial deal by Pioneer Concrete in 1978. It was a new way of lending, which allowed the banks to lend to corporations, something previously the domain of life insurers. Negative pledge clauses are almost universal in modern unsecured commercial loan documents. The purpose is to ensure that a borrower, having taken out an unsecured loan, cannot subsequently take out another loan with a different lender, securing the subsequent loan on the specified assets.