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1. Insurance: Requirements for insurance of collateral - include when collateral is high-value physical asset

2. Guarantees: Terms of any third-party guarantees - include when there are guarantors

3. Cross-Default: Provisions linking default under other agreements - include for complex lending relationships

4. Tax Provisions: Allocation of tax responsibilities - include when tax implications are significant

5. Further Assurance: Obligations to execute additional documents - include for complex security arrangements

6. Assignment and Transfer: Rights to assign or transfer the loan - include when loan may be syndicated or sold

7. Monitoring Rights: Lender's rights to monitor business/collateral - include for business loans

8. Currency Provisions: Provisions for foreign currency loans - include for non-HKD loans

1. Schedule 1 - Loan Terms: Detailed breakdown of loan amount, interest rates, payment dates, and fee structure

2. Schedule 2 - Collateral Description: Detailed description and valuation of all assets provided as collateral

3. Schedule 3 - Repayment Schedule: Amortization schedule showing all payment dates and amounts

4. Schedule 4 - Security Documents: List of all security documents and filing requirements

5. Schedule 5 - Conditions Precedent: List of conditions to be satisfied before loan disbursement

6. Appendix A - Form of Drawdown Notice: Standard form for requesting loan disbursement

7. Appendix B - Form of Compliance Certificate: Template for periodic compliance certification

8. Appendix C - Security Registration Forms: Required forms for registering security interests with relevant authorities