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1. Security: Required if the credit facility is secured by any assets or guarantees

2. Insurance: Required if credit-linked insurance is part of the agreement

3. Electronic Communications: Required if the agreement involves electronic transactions or communications

4. Direct Debit Authorization: Required if automatic payment arrangements are available

5. Co-Borrower Provisions: Required if there is more than one borrower

6. Special Drawing Conditions: Required for facilities with multiple drawdown periods or special conditions

7. Reward Programs: Required if the credit facility includes any reward or cashback programs

1. Schedule 1 - Payment Schedule: Detailed amortization schedule showing principal and interest payments

2. Schedule 2 - Fees and Charges: Comprehensive list of all applicable fees and charges

3. Schedule 3 - Required Documents: List of documents required for credit application and ongoing compliance

4. Schedule 4 - Direct Debit Terms: Terms and conditions for direct debit arrangements if applicable

5. Appendix A - Standard Forms: Standard forms for drawdown requests, notices, and other communications

6. Appendix B - Product Information Sheet: Key facts sheet as required by OJK regulations

7. Appendix C - Consumer Rights Statement: Mandatory statement of consumer rights under Indonesian law