1. Security: Include when the debt is secured by any assets or guarantees

2. Guarantor Provisions: Include when there is a guarantor for the debt

3. Early Repayment: Include when early repayment options are allowed, including any penalties or benefits

4. Insurance Requirements: Include when the debtor is required to maintain specific insurance coverage

5. Assignment: Include when either party needs the right to assign the debt to another party

6. Variation of Payment Terms: Include when there needs to be flexibility to modify payment terms under specific circumstances

7. Default Interest: Include when additional interest rates apply during default periods

8. Cross-Default: Include when default on other obligations should trigger default under this agreement

1. Repayment Schedule: Detailed schedule showing all payment dates, amounts, and running balance

2. Interest Calculations: Detailed breakdown of interest calculations and amortization schedule

3. Original Debt Documentation: Copies or details of the original agreements or circumstances creating the debt

4. Security Details: If applicable, details of any security or collateral provided

5. Payment History: Template for recording payment history and remaining balance