1. Islamic Finance Provisions: Required when the loan needs to be Shariah-compliant, replacing conventional interest with profit-sharing or other Islamic financing structures

2. Insurance Requirements: Include when the Lender requires specific insurance coverage for the loan or collateral

3. Guarantor Provisions: Required when a third party is providing a guarantee for the loan

4. Prepayment Terms: Include when early repayment is allowed, specifying any penalties or conditions

5. Assignment and Transfer: Include when either party may need to transfer their rights or obligations under the agreement

6. Force Majeure: Optional clause to address unforeseen circumstances that may affect loan repayment

7. Joint and Several Liability: Required when there are multiple borrowers

8. Electronic Communications: Include when parties agree to accept electronic notices and communications

1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, principal and interest breakdowns

2. Schedule 2 - Security Details: Detailed description of any collateral or security provided, including valuations and registration details

3. Schedule 3 - Conditions Precedent: List of documents and conditions that must be satisfied before loan disbursement

4. Schedule 4 - Fee Schedule: Details of all applicable fees, charges, and processing costs

5. Appendix A - Form of Drawdown Notice: Standard form for requesting loan disbursement

6. Appendix B - Compliance Certificate: Template for periodic compliance certification by the Borrower