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1. Security Interest: Include when the loan is secured by collateral, describing the security and registration requirements

2. Guarantor Provisions: Include when there is a guarantor for the loan, outlining their obligations and liability

3. Insurance Requirements: Include when specific insurance must be maintained on collateral or the borrower

4. Prepayment Terms: Include when early repayment is allowed, specifying any penalties or conditions

5. Assignment and Transfer: Include when either party may need to transfer their rights under the agreement

6. Financial Covenants: Include for business loans requiring specific financial performance metrics

7. Subordination: Include when the loan needs to be subordinated to other debt or when other debt must be subordinated to this loan

8. Change of Control: Include for business loans where borrower ownership changes could affect the loan

1. Schedule A - Repayment Schedule: Detailed amortization schedule showing payment dates, amounts, and interest allocation

2. Schedule B - Collateral Description: Detailed description of any assets securing the loan, including serial numbers or registration details

3. Schedule C - Permitted Encumbrances: List of existing liens or encumbrances that are allowed to remain on the collateral

4. Schedule D - Financial Covenants Calculation: Formulas and methods for calculating any required financial ratios or covenants

5. Appendix 1 - Form of Promissory Note: Standard form of promissory note to be issued in connection with the loan

6. Appendix 2 - Security Agreement Forms: Standard forms for any required security documentation

7. Appendix 3 - Guarantee Form: Standard form of guarantee agreement if guarantors are involved