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Email In light of the current economic climate, real estate lenders and borrowers will certainly be communicating with one another frequently concerning potential loan modifications and accommodations. It is prudent for lenders to require that the parties enter into a pre-negotiation agreement, or a “PNA,” as a sine qua non to having such communications. https://www.cadwalader.com/resources/articles/we-can-work-it-out-the-need-for-pre-negotiation-agreements