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1. Security: Include when the loan is secured by collateral or guarantees

2. Guarantor Provisions: Required when a third party is guaranteeing the loan

3. Insurance Requirements: Include when specific insurance coverage is required for secured assets

4. Assignment and Transfer: Include when either party needs the right to assign the agreement or transfer the note

5. Joint and Several Liability: Include when there are multiple borrowers

6. Late Payment Provisions: Include specific late payment penalties and processing

7. Regulatory Compliance: Include specific provisions required for regulated lending activities

1. Schedule 1 - The Promissory Note: The form of promissory note to be executed

2. Schedule 2 - Repayment Schedule: Detailed amortization schedule showing payment dates and amounts

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

4. Schedule 4 - Conditions Precedent: List of documents and conditions required before loan disbursement

5. Schedule 5 - Form of Notice: Standard forms for various notices under the agreement

6. Appendix A - Key Regulatory Disclosures: Required disclosures under Hong Kong money lending regulations