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

2. Insurance Requirements: Included when loan-related insurance is required

3. Change in Circumstances: Added for addressing specific situations like unpaid leave or role changes

4. Death in Service: Included when specific provisions for handling the loan in case of employee death are needed

5. Confidentiality: Added when there's a need to keep loan terms confidential

6. Assignment: Required when either party needs the right to assign the agreement

7. Force Majeure: Included for handling unforeseen circumstances affecting repayment ability

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

2. Schedule 2 - Loan Calculation Details: Detailed calculation of interest and total repayment amount

3. Schedule 3 - Payroll Deduction Authorization: Formal authorization for salary deductions

4. Appendix A - Employee Details: Employee's personal and employment information

5. Appendix B - Loan Terms Summary: Summary of key loan terms for quick reference

6. Appendix C - Tax Declaration: Declaration regarding tax implications and benefit-in-kind