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1. Security Interest: Include when the loan is secured by collateral, detailing the assets pledged and enforcement rights

2. Guarantor Provisions: Required when a third party guarantees the loan, outlining guarantor's obligations and rights

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

4. Prepayment Terms: Optional section detailing if and how the borrower can repay the loan early and any associated penalties

5. Financial Covenants: Include for business loans requiring maintenance of specific financial ratios or conditions

6. Assignment and Transfer: Include when either party may need to transfer their rights or obligations under the agreement

1. Schedule 1 - Repayment Schedule: Detailed amortization schedule showing payment dates, principal and interest breakdowns

2. Schedule 2 - Collateral Description: Detailed description of any assets provided as security for the loan

3. Schedule 3 - Conditions Precedent: List of documents and conditions required before loan disbursement

4. Schedule 4 - Form of Promissory Note: Template or actual promissory note to be executed

5. Schedule 5 - Draw Down Notice: Format for requesting loan disbursement if applicable

6. Appendix A - Calculation Examples: Examples of interest calculations and payment scenarios for clarity