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1. Security/Collateral: Include when the loan is secured by specific assets or property

2. Late Payment Charges: Include when the parties want to specify penalties for late payments, though this should be carefully considered in family contexts

3. Death or Incapacity: Include provisions for what happens if either party dies or becomes incapacitated during the loan term

4. Co-Signer Provisions: Include when another family member is co-signing the promissory note

5. Debt Forgiveness Terms: Include when there's a possibility of forgiving part or all of the debt under certain circumstances

6. Family Law Waiver: Include when parties want to explicitly state that the loan is not part of family property or matrimonial assets

7. Tax Implications Acknowledgment: Include when parties want to explicitly acknowledge their understanding of tax implications

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

2. Schedule B - Collateral Description: Detailed description of any assets securing the loan, if applicable

3. Appendix A - Proof of Funds Transfer: Documentation of the initial transfer of loan funds

4. Appendix B - Tax Rate Declaration: Declaration of the prescribed interest rate used for tax purposes, if applicable