1. Security Interest: Required if the note is secured by collateral - includes description of security and registration requirements

2. Guarantee: Required if there is a guarantor for the loan - includes guarantor details and obligations

3. Insurance Requirements: Required if borrower must maintain specific insurance on any collateral

4. Assignment: Include if the note may be assigned or transferred to other parties

5. Late Payment Charges: Optional section detailing additional charges for late payments

6. Acceleration Clause: Optional provision allowing lender to demand full payment under specified circumstances

7. Representations and Warranties: Include for business loans or larger amounts - borrower's declarations about their financial condition

1. Schedule A - Payment Schedule: Detailed schedule showing all interest payment dates and amounts, and the balloon payment

2. Schedule B - Calculation of Interest: Detailed explanation of interest calculation method and examples

3. Schedule C - Collateral Description: If secured, detailed description of the collateral securing the note

4. Appendix A - Prepayment Calculation: Formula and examples for calculating prepayment amounts if allowed

5. Appendix B - Notice Details: Detailed contact information for formal notices