1. Guarantor Provisions: Required when there is a guarantor for the reverse mortgage obligations

2. Joint Borrowers: Required when the property is jointly owned and both owners are borrowers

3. Life Insurance Requirements: Required when life insurance is mandated as part of the reverse mortgage arrangement

4. Power of Attorney: Optional section granting power of attorney to lender in specific circumstances

5. Foreign Currency Provisions: Required when the loan facility is provided in a currency other than Hong Kong Dollars

6. Additional Property Usage Rights: Required when specific property usage rights are granted to the borrower beyond standard occupancy

1. Schedule 1 - Property Description: Detailed legal description of the property including lot number, address, and registered title details

2. Schedule 2 - Loan Calculation and Payment Terms: Detailed formulas and methods for calculating loan advances and interest

3. Schedule 3 - Insurance Requirements: Specific requirements for property insurance and any other required insurance

4. Schedule 4 - Property Maintenance Standards: Detailed standards for property maintenance and upkeep obligations

5. Schedule 5 - Fees and Charges: Comprehensive list of all applicable fees and charges

6. Appendix A - Required Forms: Standard forms for notices, payment requests, and other formal communications

7. Appendix B - Valuation Methodology: Agreed methodology for periodic property valuations

8. Appendix C - HKMC Requirements: Specific requirements and guidelines from the Hong Kong Mortgage Corporation