1. Security/Collateral: Include when the loan is secured by specific assets or property

2. Guarantor Provisions: Required when a third party is guaranteeing the loan

3. Insurance Requirements: Include when insurance of collateral or borrower's life insurance is required

4. Prepayment Terms: Include when early repayment is allowed, specifying any penalties or conditions

5. Additional Borrower Covenants: Include when specific ongoing obligations or restrictions are imposed on the borrower

6. Assignment and Transfer: Include when either party may need to transfer their rights or obligations

7. Digital Execution: Include when the agreement may be executed electronically

1. Schedule 1 - Repayment Schedule: Detailed amortization schedule showing all payment dates and amounts

2. Schedule 2 - Security Details: Detailed description of any collateral or security provided

3. Schedule 3 - Conditions Precedent: List of conditions that must be satisfied before the loan is disbursed

4. Schedule 4 - KYC Documents: List of required Know Your Customer documents and compliance requirements

5. Appendix A - Standard Forms: Templates for notices, payment requests, or other standard communications

6. Appendix B - Fee Schedule: Details of any processing fees, late payment charges, or other applicable fees