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1. Security: Include when the loan is secured against assets

2. Guarantees: Include when there are third-party guarantors

3. Insurance: Include when specific insurance requirements are imposed on the borrower

4. Financial Covenants: Include for corporate borrowers or when financial metrics need to be maintained

5. Increased Costs: Include for longer-term loans to address regulatory changes

6. Tax Gross-Up: Include when tax implications need to be addressed

7. Multi-currency Provisions: Include if the loan can be drawn in multiple currencies

8. Bank Accounts: Include when specific account arrangements are required

9. Syndication Provisions: Include for loans that may be syndicated

1. Schedule 1 - Loan Terms: Key commercial terms including amount, interest rate, and repayment schedule

2. Schedule 2 - Conditions Precedent: Detailed list of required documents and conditions

3. Schedule 3 - Drawdown Notice: Form of drawdown request

4. Schedule 4 - Calculation of Interest: Detailed interest calculation methodology

5. Schedule 5 - Repayment Schedule: Detailed amortization schedule if applicable

6. Schedule 6 - Security Details: Description of security assets and arrangements if applicable

7. Schedule 7 - Compliance Certificate: Form of periodic compliance certification

8. Appendix 1 - Form of Transfer Certificate: Standard form for transferring rights under the agreement

9. Appendix 2 - Form of Accession Deed: For additional parties joining the agreement if applicable