1. Security Arrangements: Required if the loan is secured against specific assets

2. Death or Incapacity: Include when specific provisions for death or incapacity of a co-borrower are needed

3. Insurance Requirements: Include when specific insurance policies are required as part of the loan agreement

4. Early Repayment: Include when there are specific terms for early loan repayment

5. Change in Circumstances: Include when provisions for change in co-borrowers' circumstances (e.g., divorce, separation) are needed

6. Assignment and Transfer: Include when rights to assign or transfer the loan need to be addressed

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

2. Schedule 2 - Payment Schedule: Detailed payment dates and amounts

3. Schedule 3 - Co-Borrower Contribution Proportions: Agreed split of payment responsibilities between co-borrowers

4. Schedule 4 - Security Details: Description of any security provided for the loan

5. Appendix A - Form of Notice: Standard templates for notices between parties

6. Appendix B - Direct Debit Mandate: Payment authorization forms