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1. Security: Required when the loan is secured by any assets or guarantees

2. Insurance: Include when the borrower is required to maintain life or other insurance policies

3. Early Repayment: Details early repayment terms and any associated penalties or fees

4. Assignment: Include if either party may assign their rights under the agreement

5. Electronic Transactions: Required for agreements executed or managed electronically

6. Force Majeure: Include during uncertain times or when borrower's income might be affected by external events

7. Guarantor Provisions: Required when a guarantor is involved in the loan arrangement

8. Variation of Terms: Include when flexibility for changing terms might be needed

1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest breakdown

2. Schedule 2 - Fees and Charges: Comprehensive list of all applicable fees, charges, and penalties

3. Schedule 3 - Security Details: Details of any collateral or security provided (if applicable)

4. Schedule 4 - Insurance Requirements: Specific insurance requirements and minimum coverage (if applicable)

5. Appendix A - Required Documents: List of documents required from borrower, such as ID, income proof, etc.

6. Appendix B - Payment Procedures: Detailed payment methods and procedures