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1. Islamic Finance Compliance: Required when the loan must comply with Sharia principles

2. Security Arrangements: Include when specific assets are being provided as security for the loan

3. Insurance Requirements: Include when insurance is required for secured assets or life insurance for borrowers

4. Cross-Default Provisions: Include when co-borrowers have other lending relationships with the lender

5. Contribution Rights: Include to specify rights of co-borrowers to seek contribution from each other

6. Death or Incapacity: Include specific provisions for handling death or incapacity of any co-borrower

7. Early Repayment: Include if early repayment options are available

1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest rates, and payment schedule

2. Schedule 2 - Payment Allocation: Specification of how payments are to be allocated between co-borrowers

3. Schedule 3 - Security Details: Description of any security assets and their valuation

4. Schedule 4 - Contact Information: Detailed contact information for all parties and authorized representatives

5. Schedule 5 - Required Documents: List of documents required from each co-borrower

6. Appendix A - Payment Schedule: Detailed amortization schedule showing payment dates and amounts

7. Appendix B - Form of Notices: Standard forms for various notices under the agreement