1. Security: Include when the loan is secured against specific assets

2. Guarantees: Include when there are third-party guarantors for the loan

3. Insurance: Include when specific insurance requirements are needed for secured assets

4. Financial Covenants: Include for corporate borrowers when financial ratios/tests are required

5. Tax Gross Up: Include when tax implications need to be addressed specifically

6. Multiple Drawdown Provisions: Include when the loan is available in multiple tranches

7. Increased Costs: Include when regulatory changes might affect the lender's costs

8. Market Disruption: Include for floating rate loans to address market disruption scenarios

9. Set-off Rights: Include when the lender requires explicit set-off rights

1. Schedule 1 - Conditions Precedent: Detailed list of documents and conditions required before drawdown

2. Schedule 2 - Form of Drawdown Request: Template for the borrower to request loan disbursement

3. Schedule 3 - Repayment Schedule: Detailed payment dates and amounts if term loan

4. Schedule 4 - Financial Covenants Calculations: Formulas and methods for calculating financial covenants

5. Schedule 5 - Security Documents: List and copies of security documents if secured loan

6. Schedule 6 - Fees: Detailed breakdown of all applicable fees

7. Appendix A - Form of Compliance Certificate: Template for periodic compliance certification

8. Appendix B - Form of Transfer Certificate: Template for transferring rights under the agreement