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1. Acceleration Clause: Optional clause that allows the creditor to demand full payment if certain conditions are met

2. Collateral: Include when the debt is secured by specific assets

3. Pre-payment Terms: Include when early payment options and any associated penalties or benefits need to be specified

4. Late Payment Penalties: Include when additional fees or higher interest rates apply to late payments

5. Insurance Requirements: Include when the debtor must maintain insurance on collateral

6. Assignment Rights: Include when either party needs the right to assign the agreement to others

7. Dispute Resolution: Include when specific arbitration or mediation procedures are desired

8. Force Majeure: Include when circumstances beyond control affecting payment ability need to be addressed

9. Privacy and Confidentiality: Include when sensitive financial or personal information needs protection

1. Schedule A - Payment Schedule: Detailed table of payment dates and amounts

2. Schedule B - Collateral Description: Detailed description of any assets securing the debt

3. Schedule C - Amortization Schedule: Breakdown of how each payment is applied to principal and interest

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

5. Appendix 2 - Late Payment Fee Schedule: Schedule of fees and penalties for late payments

6. Appendix 3 - Contact Information: Detailed contact information for notices and payments