1. Security: Include when the debt is secured by collateral or personal guarantee

2. Early Repayment: Include when early repayment options are available, specifying any penalties or benefits

3. Insurance: Include when insurance is required to secure the debt

4. Death or Incapacity: Include when specific provisions for death or incapacity of the Debtor are needed

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

6. Severability: Include when there's a need to ensure remaining provisions survive if some are found invalid

7. Force Majeure: Include when circumstances beyond control might affect repayment ability

8. Confidentiality: Include when parties wish to keep the debt arrangement private

1. Schedule A - Payment Schedule: Detailed breakdown of payment dates, amounts, and running balance

2. Schedule B - Collateral Details: Description and documentation of any assets securing the debt

3. Schedule C - Original Debt Documentation: Copies or references to original documents evidencing the debt

4. Appendix 1 - Payment Methods: Details of accepted payment methods and processing information

5. Appendix 2 - Default Notice Template: Standard form for notifying of default or missed payments