1. Security: Terms regarding collateral and security interests - used when the loan is secured

2. Guarantee: Terms of any guarantee - included when there are guarantors

3. Increased Costs: Provisions for handling regulatory or legal changes affecting loan costs - used in longer-term loans

4. Tax Gross-Up and Indemnities: Tax-related provisions - used when tax implications are significant

5. Market Disruption: Provisions for handling market disruption events - used for floating rate loans

6. Multiple Borrowers: Additional provisions for multiple borrowers - used in group borrowing situations

7. Bank Accounts: Specific account maintenance requirements - used when control over accounts is required

8. Financial Covenants: Specific financial maintenance covenants - used for corporate borrowers

1. Schedule 1 - Conditions Precedent: List of required documents and conditions to be satisfied before drawdown

2. Schedule 2 - Utilisation Request Form: Standard form for requesting loan disbursements

3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable

4. Schedule 4 - Form of Transfer Certificate: Standard form for transferring loan participations

5. Schedule 5 - Form of Compliance Certificate: Template for periodic compliance certification

6. Appendix A - Calculation of Interest Rate: Detailed methodology for interest calculations

7. Appendix B - Security Documents: List and copies of security documents if applicable