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1. Security Interest: Required if the loan is secured by any assets or property

2. Guarantor Provisions: Required if there is a guarantor for the loan

3. Insurance Requirements: Required if borrower must maintain specific insurance coverage

4. Prepayment Terms: Optional section detailing if and how early repayment is permitted

5. Cross-Default Provisions: Required if default under other agreements triggers default under this agreement

6. Financial Covenants: Required for business loans with specific financial performance requirements

7. Cost of Credit Disclosure: Required for consumer loans in provinces with specific disclosure requirements

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

2. Schedule B - Cost of Borrowing Disclosure: Detailed breakdown of all costs associated with the loan as required by law

3. Schedule C - Security Description: Description of any assets or property securing the loan

4. Schedule D - Additional Borrower Information: Required information about the borrower for regulatory compliance

5. Appendix 1 - Interest Rate Calculation Examples: Examples showing how interest is calculated in various scenarios

6. Appendix 2 - Required Notices and Forms: Standard forms and notices required by applicable laws