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

2. Guarantor Provisions: Required if there is a guarantor for the loan

3. Consumer Protection Provisions: Required if the borrower is a consumer rather than a business

4. Insurance: Required if specific insurance coverage is mandatory for the loan

5. Tax Gross-Up: Required for larger commercial loans where tax implications need to be addressed

6. Financial Covenants: Required for business borrowers where financial performance metrics need to be maintained

7. Multiple Borrowers: Required if there is more than one borrower, addressing joint and several liability

8. Set-off Rights: Optional section giving the lender rights to set off against other accounts

9. Entire Agreement: Optional boilerplate section often included in formal agreements

1. Schedule 1 - Drawdown Notice: Form of notice to be used by borrower when requesting drawdown

2. Schedule 2 - Conditions Precedent: List of documents and conditions required before drawdown

3. Schedule 3 - Repayment Schedule: If applicable, template for recording repayments made

4. Schedule 4 - Security Documents: If secured, list and copies of security documentation

5. Schedule 5 - Guarantor Details: If guaranteed, details of guarantors and guarantee terms

6. Appendix A - Interest Calculation Examples: Examples showing how interest will be calculated

7. Appendix B - Fee Schedule: Detailed breakdown of all applicable fees and charges