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1. Acceleration Clause: Optional provision allowing the entire amount to become due upon specific trigger events - include when dealing with higher amounts or higher-risk situations

2. Prepayment Terms: Terms allowing early repayment - include when the loan amount is substantial and early repayment might be anticipated

3. Guarantor: Section for additional guarantor details - include when additional security is required

4. Tax Considerations: Specific tax treatment of the loan and interest - include when tax implications are significant

5. Insurance Requirements: Requirements for life or disability insurance - include for larger amounts or longer repayment terms

6. Dispute Resolution: Alternative dispute resolution procedures - include when parties prefer to avoid court proceedings

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

2. Schedule B - Wage Deduction Authorization: If applicable, formal authorization for employer to make payroll deductions

3. Schedule C - Loan Purpose Documentation: Documentation of the purpose of the loan (e.g., training costs, equipment purchase)

4. Appendix 1 - Calculation of Interest: Detailed explanation of interest calculation method and examples

5. Appendix 2 - Default Procedures: Detailed procedures to be followed in case of default