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1. Security: Details of any collateral or guarantees - include when loan is secured

2. Insurance Requirements: Mandatory insurance coverage - include when specific insurance is required

3. Prepayment Terms: Conditions for early repayment - include when early repayment is permitted

4. Assignment and Transfer: Rights to transfer the loan - include when transfer rights are needed

5. Tax Provisions: Tax-related obligations - include when tax implications need specific attention

6. Multiple Borrowers: Joint and several liability provisions - include with multiple borrowers

7. Consumer Protection Clauses: Additional protections required by law - include for consumer loans

1. Schedule 1 - Repayment Schedule: Detailed amortization table showing all payment dates and amounts

2. Schedule 2 - Drawdown Conditions: List of conditions precedent to be satisfied before loan disbursement

3. Schedule 3 - Form of Notice: Template for formal notices under the agreement

4. Appendix A - Calculation of Interest: Detailed methodology for interest calculation

5. Appendix B - Security Details: Detailed description of any security or collateral (if applicable)

6. Appendix C - Required Documentation: List of documents required from borrower throughout loan term