1. Security Arrangements: Include when the loan is secured by collateral or guarantees

2. Insurance Requirements: Include when insurance is required for secured assets or borrowers

3. Special Repayment Provisions: Include for early repayment options or special payment arrangements

4. Cross Default: Include when default on other loans should trigger default under this agreement

5. Change in Circumstances: Include provisions for dealing with death or incapacity of a co-borrower

6. Assignment and Transfer: Include if transfer rights are to be granted to any party

7. Additional Representations: Include for specific declarations required for regulated loans or special circumstances

1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest calculations, and payment schedule

2. Schedule 2 - Co-Borrower Information: Detailed information about each co-borrower including contact details and share of liability

3. Schedule 3 - Security Details: Description of any security or collateral provided for the loan

4. Schedule 4 - Payment Instructions: Bank account details and payment procedures

5. Schedule 5 - Form of Notices: Standard forms for various notices under the agreement

6. Appendix A - Required Documents: List of documents required from each co-borrower

7. Appendix B - Compliance Requirements: Details of ongoing compliance requirements for co-borrowers