1. Security Arrangements: Required if the loan is secured by any assets or property

2. Guarantor Provisions: Required if there is a guarantor for the loan

3. Insurance Requirements: Required if borrower must maintain specific insurance coverage

4. Prepayment Terms: Include if early repayment is allowed, with any applicable penalties

5. Assignment and Transfer: Include if either party may assign their rights under the agreement

6. Islamic Banking Provisions: Required if the loan follows Shariah principles

7. Change in Circumstances: Include provisions for handling changes in law or circumstances affecting the loan

8. Force Majeure: Include if parties want to address unforeseeable circumstances

1. Schedule 1 - Repayment Schedule: Detailed amortization schedule showing all installment payments

2. Schedule 2 - Conditions Precedent Documents: List of all documents required before loan disbursement

3. Schedule 3 - Security Details: Details of any security or collateral (if applicable)

4. Schedule 4 - Fees and Charges: Breakdown of all applicable fees, charges and penalties

5. Schedule 5 - Disbursement Instructions: Details of how and when the loan amount will be disbursed

6. Appendix A - Form of Disbursement Request: Standard form for requesting loan disbursement

7. Appendix B - Form of Promissory Note: Standard form of promissory note if required

8. Appendix C - Guarantor Agreement: Standard form of guarantor agreement if applicable