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1. Security Arrangements: Required when the credit facility is secured by collateral or guarantees

2. Insurance Requirements: Included when specific insurance coverage is required for the borrower or collateral

3. Financial Covenants: Added for business borrowers when ongoing financial performance metrics need to be maintained

4. Change of Control Provisions: Included for corporate borrowers to address ownership changes

5. Cross-Default Provisions: Added when the borrower has other significant credit facilities

6. Consumer Protection Clauses: Required when the borrower is a consumer under Austrian law

7. Tax Provisions: Included when specific tax considerations need to be addressed

8. Assignment and Transfer: Added when transfer rights need to be specifically addressed

1. Schedule 1 - Drawdown Request Form: Standard form for requesting advances under the facility

2. Schedule 2 - Calculation of Interest: Detailed methodology for interest calculation and examples

3. Schedule 3 - Fee Schedule: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Repayment Schedule: If applicable, amortization schedule or minimum payment calculations

5. Appendix A - Conditions Precedent: List of documents and conditions required before first drawdown

6. Appendix B - Security Details: If applicable, detailed description of security arrangements and collateral

7. Appendix C - Compliance Certificate: Template for periodic compliance certification if financial covenants are included