��������Ƶ

1. Credit Insurance: Include when credit insurance is required or offered as part of the agreement

2. Electronic Transactions: Include when online or electronic payment methods are available

3. Debt Consolidation: Include when the credit agreement involves consolidation of existing debts

4. Co-Borrower Provisions: Include when there are co-borrowers or guarantors involved

5. Prepayment Terms: Include when early payment options and corresponding terms are offered

6. Credit Line Review: Include when periodic review of credit limits is part of the arrangement

7. Data Privacy: Include detailed privacy provisions when extensive personal data processing is involved

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

2. Schedule B - Interest Rate Calculation: Detailed methodology for calculating interest rates and sample computations

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

4. Schedule D - Security Details: Detailed description of any collateral or security arrangements

5. Appendix 1 - Truth in Lending Disclosure: Mandatory disclosure statement required under Philippine Truth in Lending Act

6. Appendix 2 - Required Documents: List of required supporting documents and compliance requirements

7. Appendix 3 - Contact Information: Detailed contact information for both parties and relevant departments