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1. Security: Required if the loan is secured - details of security arrangements and enforcement rights

2. Guarantee: Required if there is a guarantor - terms of guarantee and guarantor obligations

3. Islamic Banking Provisions: Required if the loan needs to be Shariah-compliant

4. Insurance: Required if specific insurance coverage is mandatory for the loan

5. Special Purpose Covenants: Required for specific loan purposes (e.g., property development, business acquisition)

6. Cross-Default: Optional provisions linking default under this loan to other financial agreements

7. Change of Control: Required for corporate borrowers where ownership stability is important

8. Market Disruption: Optional provisions dealing with significant market changes affecting the loan

9. Increased Costs: Optional provisions allowing the lender to pass on regulatory cost increases

1. Schedule 1 - Conditions Precedent: Detailed list of all documents and conditions required before drawdown

2. Schedule 2 - Drawdown Notice: Form of drawdown request to be used by the Borrower

3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable

4. Schedule 4 - Security Documents: List and copies of all security documents if the loan is secured

5. Schedule 5 - Fees and Charges: Detailed breakdown of all applicable fees and charges

6. Schedule 6 - Calculation of Interest: Detailed methodology for interest calculation

7. Appendix A - Form of Notice: Standard templates for various notices under the agreement

8. Appendix B - Form of Compliance Certificate: Template for periodic compliance certification by the Borrower