1. Security: Required when the settlement is secured by assets or guarantees

2. Confidentiality: When parties wish to keep the settlement terms confidential

3. Multiple Creditors: Required when settlement involves multiple creditors and their respective priorities

4. Tax Implications: When settlement has significant tax consequences that need to be addressed

5. Insurance: When insurance is required to secure the settlement payments

6. Third Party Rights: When the settlement affects rights of third parties or guarantors

7. Force Majeure: When parties want to account for unforeseen circumstances affecting payment capability

1. Schedule 1 - Debt Details: Detailed breakdown of the original debt, interest, penalties, and current outstanding amount

2. Schedule 2 - Payment Schedule: Detailed payment plan including dates, amounts, and payment methods

3. Schedule 3 - Security Details: Description of any security or collateral provided for the settlement

4. Schedule 4 - Original Loan Documents: List and copies of original loan documents being settled

5. Appendix A - Settlement Calculation: Detailed calculation showing how the settlement amount was determined

6. Appendix B - Communication Records: Record of key communications leading to the settlement agreement