��������Ƶ

1. Security and Collateral: Required when the loan is secured by specific assets or properties

2. Guaranty: Included when there is a guarantor providing additional security for the loan

3. Insurance Requirements: Necessary when insurance coverage is required for either the borrower or collateral

4. Prepayment Provisions: Details early payment options and any associated penalties or benefits

5. Electronic Payment Authorization: Required when automatic electronic payments are part of the arrangement

6. Co-Borrower Provisions: Included when there are multiple borrowers jointly liable for the loan

7. Special Payment Arrangements: Used when there are non-standard payment terms or grace periods

1. Schedule A - Amortization Schedule: Detailed breakdown of all payments showing principal and interest portions, payment dates, and remaining balance

2. Schedule B - Collateral Description: Detailed description of any assets provided as security for the loan

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

4. Appendix 1 - Payment Instructions: Details of payment methods, bank account information, and payment processing procedures

5. Appendix 2 - Loan Disclosure Statement: Truth in Lending Act disclosures including effective interest rate and total cost of credit

6. Appendix 3 - Required Documents: List of documents required from the borrower, such as identification, income proof, or collateral documents