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1. Security: Required when the credit is secured by collateral, detailing the assets provided as security

2. Guarantors: Include when there are third-party guarantors for the credit facility

3. Insurance Requirements: Required when the lender requires specific insurance coverage for assets or the borrower

4. Prepayment Terms: Include when there are specific provisions for early repayment or prepayment penalties

5. Financial Covenants: Required for business borrowers when specific financial ratios must be maintained

6. Change of Control: Include for business borrowers to address ownership changes

7. Cross-Default: Include when default under other agreements triggers default under this agreement

8. Subordination: Required when the credit facility needs to be subordinated to other debt

1. Schedule A - Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and interest allocation

2. Schedule B - Fee Schedule: Comprehensive list of all fees and charges applicable to the credit facility

3. Schedule C - Security Description: Detailed description of any collateral or security provided

4. Schedule D - Disclosure Statement: Mandatory cost of credit disclosure as required by provincial legislation

5. Schedule E - Financial Statements: Current financial statements of the borrower (if applicable)

6. Appendix 1 - Compliance Certificate: Template for periodic compliance certification by the borrower

7. Appendix 2 - Draw Request Form: Standard form for requesting draws on the credit facility