1. Security: Include when the loan is secured by collateral or guarantees

2. Insurance Requirements: Include when specific insurance coverage is required for the loan

3. Death or Incapacity: Include provisions for what happens if one co-borrower dies or becomes incapacitated

4. Relationship Between Co-Borrowers: Include when clarification of the co-borrowers' relationship and internal arrangements is needed

5. Early Repayment: Include when early repayment options are available

6. Assignment: Include when transfer of rights or obligations might be permitted

7. Change in Circumstances: Include provisions for handling significant changes in co-borrowers' circumstances

1. Schedule 1 - Loan Details: Detailed breakdown of the loan amount, interest calculations, and repayment schedule

2. Schedule 2 - Payment Instructions: Bank account details and payment procedures

3. Schedule 3 - Co-Borrower Information: Detailed information about each co-borrower including contact details and proportionate share

4. Schedule 4 - Security Details: Details of any security or collateral provided

5. Appendix A - Consent Forms: Standard forms for various consents required under the agreement

6. Appendix B - Notice Templates: Standard templates for various notices under the agreement