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

2. Insurance Requirements: Include if borrowers must maintain specific insurance coverage

3. Prepayment Terms: Include if early repayment is allowed and any associated penalties

4. Guarantee: Required if there are additional guarantors beyond the co-borrowers

5. Assignment: Include if either party may assign their rights under the agreement

6. Priority and Subordination: Required if there are multiple loans or security interests involved

7. Financial Covenants: Include for complex loans requiring ongoing financial compliance

8. Co-Borrower Rights and Obligations: Include detailed provisions about the relationship between co-borrowers if needed

1. Schedule A - Payment Schedule: Detailed amortization schedule showing payment dates and amounts

2. Schedule B - Property Description: Required if loan is secured by specific property

3. Schedule C - Insurance Requirements: Detailed insurance specifications if required

4. Schedule D - Additional Co-Borrower Information: Detailed information about co-borrowers including contact details and banking information

5. Appendix 1 - Loan Application: Copy of the original loan application for reference

6. Appendix 2 - Credit Reports: Credit reports or financial statements if referenced in the agreement