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1. Online Services: Terms for digital banking and online credit management services, required if online services are provided

2. Insurance Requirements: Mandatory insurance provisions, needed if specific insurance is required for the credit facility

3. Third-Party Rights: Rights of guarantors or other third parties, required if third parties are involved in the credit arrangement

4. Special Drawdown Conditions: Special conditions for credit utilization, needed for complex credit facilities

5. Cross-Default Provisions: Links to other financial agreements, required if multiple credit facilities exist

6. Foreign Currency Provisions: Required if credit is provided in non-EUR currency

1. Schedule 1 - Pricing Schedule: Detailed breakdown of all applicable interest rates, fees, and charges

2. Schedule 2 - Credit Facility Details: Specific details of credit limits, utilization methods, and repayment terms

3. Schedule 3 - Security Details: Details of any security or collateral arrangements

4. Schedule 4 - Required Documentation: List of required customer documentation and verification requirements

5. Schedule 5 - Service Level Standards: Detailed service standards and processing timeframes

6. Appendix A - Standard Forms: Standard forms for credit requests, declarations, and notices

7. Appendix B - Regulatory Disclosures: Mandatory regulatory disclosures and warnings required under Austrian law