1. Late Payment Charges: Additional charges applicable for late payments - include if desired by the lender

2. Acceleration Clause: Right to demand full payment under specific conditions - include for additional lender protection

3. Insurance Requirements: Obligations to maintain property insurance - include if requiring specific insurance coverage

4. Tax Provisions: Requirements regarding property tax payments - include if taxes are not handled separately

5. Maintenance Requirements: Obligations to maintain the property - include if specific maintenance standards are required

6. Due on Sale Clause: Provision making the note due upon sale of the property - include if this restriction is desired

7. Subordination Terms: Terms regarding subordination to other loans - include if relevant to the financing structure

1. Schedule A - Payment Schedule: Detailed amortization schedule showing all payments, principal, and interest

2. Schedule B - Property Description: Detailed legal description of the property and any included fixtures or improvements

3. Schedule C - Insurance Requirements: Detailed specifications of required insurance coverage and terms

4. Appendix 1 - Proof of Title: Copy of property title or title reference

5. Appendix 2 - Security Instrument: Copy or reference to the mortgage or security deed

6. Appendix 3 - Payment Instructions: Detailed payment procedures and bank account information