1. Guarantor Provisions: Required when a third party is guaranteeing the loan

2. Insurance Requirements: Included when specific insurance coverage is required for the loan or collateral

3. Prepayment Terms: Details early repayment options and any associated penalties or fees

4. Draw Down Provisions: Required for loans with multiple disbursements or credit facility features

5. Interest Rate Change Mechanisms: Included for variable rate loans to specify how and when rates can change

6. Cross-Default Provisions: Used when the loan is part of a larger financing arrangement

7. Assignment and Transfer: Included when either party may need to transfer their rights or obligations

8. Financial Covenants: Required for business loans with specific financial performance requirements

1. Schedule A - Amortization Table: Detailed payment schedule showing principal and interest breakdown for each payment

2. Schedule B - Security Details: Detailed description of any collateral or security including registration numbers and values

3. Schedule C - Payment Instructions: Bank account details and payment processing information

4. Schedule D - Conditions Precedent: List of conditions that must be satisfied before loan disbursement

5. Appendix 1 - Loan Application: Copy of the original loan application and supporting documents

6. Appendix 2 - Credit Assessment: Summary of credit assessment and approval (for lender's records)

7. Appendix 3 - Fee Schedule: Detailed breakdown of all applicable fees and charges

8. Appendix 4 - Required Insurance: Specifications for required insurance coverage and terms