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1. Parties: Identification of the Lender and Borrower with complete details as required under Philippine law
2. Background: Context of the loan agreement and relationship between the parties
3. Definitions: Definitions of key terms used throughout the document
4. Loan Amount and Purpose: Specification of the principal amount and intended use of the loan proceeds
5. Interest Rate: Interest rate, calculation method, and payment schedule in compliance with Philippine usury laws
6. Repayment Terms: Schedule and method of repayment, including installment amounts and due dates
7. Security: Description of collateral and creation of security interest in compliance with Philippine Property Security Act
8. Representations and Warranties: Standard representations and warranties from the Borrower
9. Covenants: Positive and negative covenants binding on the Borrower
10. Events of Default: Circumstances constituting default and consequences thereof
11. Enforcement Rights: Lender's rights and remedies upon default, including security enforcement
12. Expenses and Indemnification: Allocation of costs and indemnification obligations
13. Notices: Process for giving formal notices under the agreement
14. Governing Law and Jurisdiction: Specification of Philippine law as governing law and jurisdiction for disputes
15. Execution: Signature blocks and execution formalities
1. Guarantees: Required when there is a third-party guarantor for the loan
2. Insurance: Required when specific insurance coverage is mandated for the collateral
3. Registration: Required when the security interest needs specific registration procedures
4. Tax Provisions: Required when there are specific tax implications or withholding requirements
5. Assignment and Transfer: Required when the note is intended to be transferable
6. Subordination: Required when there are multiple creditors and priority needs to be established
7. Co-Borrowers: Required when multiple borrowers are jointly and severally liable
8. Currency Provisions: Required for loans denominated in foreign currency
1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Schedule 2 - Collateral Description: Detailed description and documentation of security/collateral
3. Schedule 3 - Conditions Precedent: List of conditions to be satisfied before loan disbursement
4. Schedule 4 - Form of Drawdown Notice: Standard form for requesting loan disbursement
5. Schedule 5 - Security Documents: Forms of security documents and registrations
6. Appendix A - Compliance Certificates: Forms of periodic compliance certificates required from Borrower
7. Appendix B - Insurance Requirements: Detailed insurance requirements for collateral
8. Appendix C - Registration Requirements: Checklist of security interest registration requirements
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