1. Islamic Banking Compliance: Required when the loan follows Islamic banking principles, detailing Shariah compliance

2. Security Arrangements: Include when specific assets are being provided as security for the loan

3. Insurance Requirements: Include when insurance is required for secured assets or borrowers

4. Death or Incapacity: Special provisions dealing with death or incapacity of any co-borrower

5. Release Provisions: Terms under which a co-borrower may be released from their obligations

6. Cross Default: Include when default on other loans should trigger default under this agreement

7. Assignment and Transfer: Include when rights under the agreement may need to be assigned

8. Force Majeure: Include when specific events beyond parties' control should be addressed

1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, payment schedule, and applicable rates

2. Schedule 2 - Payment Schedule: Detailed repayment schedule including installment amounts and due dates

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

4. Schedule 4 - Co-Borrower Information: Detailed information about each co-borrower including contact details and financial information

5. Schedule 5 - Fees and Charges: Breakdown of all applicable fees, charges, and penalties

6. Appendix A - Required Documents: List of documents required from each co-borrower

7. Appendix B - Specimen Signatures: Signature specimens of all co-borrowers