A lien document, which can be a security agreement, pledge agreement, collateral assignment, mortgage, deed of trust or any other written document signed by the owner of the collateral in which the owner grants the Bank a lien on specifically described collateral [UCC 9.108 (collateral description)] to secure a debt owed to the Bank by the owner or some other person. [UCC 9.102(a)(74) (definition of security agreement)] The security agreement may cover “after-acquired property” other than consumer goods and commercial tort claims [UCC 9.204 (after acquired property)] A loan agreement, if properly drafted, can be a lien document. The lien document commonly contains representations and warranties, covenants and events of default. Each chapter on a specific type of collateral discusses the appropriate lien document for that collateral. [UCC 9.201 (general effectiveness of security agreement)] In a consumer transaction, the promissory note and security agreement are often combined into a single document.