1. Security: Required when the loan is secured against assets or requires guarantors

2. Insurance Requirements: Included when specific insurance coverage is required for the loan

3. Early Repayment: Details of early repayment options and any associated fees, required for variable rate loans

4. Purpose Restrictions: Added when the loan is restricted to specific uses

5. Guarantor Provisions: Required when a guarantor is involved in the loan agreement

6. Special Conditions: For any unique terms specific to the borrower or loan purpose

7. Regulatory Compliance: Additional sections required for specific regulated lending activities

1. Schedule 1 - Repayment Schedule: Detailed breakdown of payment dates and amounts

2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges

3. Schedule 3 - Security Details: Description of any assets provided as security (if applicable)

4. Appendix A - Standard Terms and Conditions: General terms and conditions of the lender

5. Appendix B - Direct Debit Mandate: Form for setting up automatic payments

6. Appendix C - Supporting Documentation Checklist: List of required documents from the borrower