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1. Security: Include when collateral or security is required for the credit facility

2. Guarantees: Include when a third-party guarantee is part of the credit arrangement

3. Insurance Requirements: Include when specific insurance coverage is required for the credit facility

4. Special Drawing Conditions: Include when credit is to be drawn down in specific circumstances or tranches

5. Financial Covenants: Include for business credits requiring specific financial metrics maintenance

6. Cross-Default: Include when default on other obligations affects this agreement

7. Electronic Transactions: Include when online payments or electronic communications are primary

8. Data Privacy Consent: Include detailed privacy terms when extensive personal data processing is involved

1. Schedule 1 - Payment Schedule: Detailed amortization schedule with payment dates and amounts

2. Schedule 2 - Interest Rate Calculation: Detailed methodology for interest calculation and examples

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

4. Schedule 4 - Security Details: Description of any collateral or security provided

5. Schedule 5 - Conditions Precedent: List of conditions to be met before credit facility becomes available

6. Appendix A - Standard Forms: Templates for drawdown requests, notices, and other standard communications

7. Appendix B - Compliance Certificates: Templates for periodic compliance certifications

8. Appendix C - Truth in Lending Act Disclosure: Mandatory disclosure statement under Philippine Truth in Lending Act