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1. Security Interest: Details of any collateral securing the loan, to be included when the loan is secured

2. Guarantees: Terms of any third-party guarantees, required when a guarantor is involved

3. Insurance Requirements: Mandatory insurance coverage for secured assets, if applicable

4. Early Repayment: Terms for early loan repayment, including any penalties or benefits

5. Assignment and Transfer: Rights to assign or transfer the loan, if permitted

6. Data Protection: GDPR compliance provisions for handling personal data, required for individual borrowers

7. Force Majeure: Provisions for unforeseen circumstances affecting repayment ability

8. Amendments: Process for modifying the agreement, included for longer-term loans

1. Schedule A - Repayment Schedule: Detailed amortization schedule showing payment dates, amounts, and interest calculations

2. Schedule B - Security Details: Detailed description of any collateral or security interests (if applicable)

3. Appendix 1 - KYC Documentation: Copies of identification documents and proof of address

4. Appendix 2 - Financial Statements: Borrower's financial information supporting loan qualification

5. Appendix 3 - Direct Debit Authorization: Banking details and payment authorization forms

6. Appendix 4 - Guarantor Documents: Guarantor identification and financial information (if applicable)