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

2. Guarantor Provisions: Include when there is a third-party guarantor for the loan

3. Early Repayment: Terms for voluntary early repayment if permitted

4. Assignment: Rights to assign or transfer the loan to third parties, if applicable

5. Costs and Expenses: Allocation of legal and administrative costs, if any

6. Tax Provisions: Include if there are specific tax considerations or withholding requirements

7. Financial Covenants: Include for business borrowers where financial metrics need to be maintained

8. Multiple Borrowers: Joint and several liability provisions when there is more than one borrower

1. Schedule 1 - Promissory Note Form: The form of the promissory note to be executed

2. Schedule 2 - Repayment Schedule: If there is an agreed indicative repayment schedule

3. Schedule 3 - Security Details: Details of any security or collateral if the loan is secured

4. Appendix A - Conditions Precedent: List of documents and conditions required before loan disbursement

5. Appendix B - Notice Details: Detailed contact information for formal notices