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1. Insurance: Requirements for insurance of the gold collateral, if not covered by the lender's existing policies

2. Early Repayment: Terms and conditions for early loan repayment, including any penalties

3. Substitution of Collateral: Provisions allowing for replacement of gold collateral under specific circumstances

4. Multiple Borrowers: Additional terms for cases involving joint borrowers

5. Force Majeure: Provisions for unforeseen circumstances affecting the agreement

6. Assignment and Transfer: Terms governing the transfer of rights under the agreement

7. Electronic Communications: Provisions for digital notifications and communications

1. Schedule 1 - Gold Collateral Specification: Detailed technical specifications of the gold collateral including weight, purity certificates, and identifying marks

2. Schedule 2 - Valuation Methodology: Detailed process for valuing the gold collateral, including price sources and calculation methods

3. Schedule 3 - Storage and Security Procedures: Procedures for storing, accessing, and maintaining the security of the gold collateral

4. Schedule 4 - Repayment Schedule: Detailed breakdown of repayment dates and amounts

5. Schedule 5 - Fees and Charges: Comprehensive list of all applicable fees, charges, and their calculation methods

6. Appendix A - Required Documents: List of required documentation including gold ownership proof and identification documents

7. Appendix B - Insurance Requirements: Detailed insurance requirements if applicable