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1. Insurance Requirements: Required when credit facility requires life, property, or other insurance coverage

2. Electronic Communications: Include when agreement allows for electronic notices and statements

3. Co-Borrower Provisions: Required when there are co-borrowers or guarantors

4. Automatic Debit Authorization: Include when payments will be automatically debited from customer's account

5. Prepayment Terms: Include when early repayment is allowed with specific terms

6. Credit Card Specific Terms: Required for credit card agreements specifically

7. Foreign Currency Provisions: Include when credit facility involves foreign currency

1. Schedule 1 - Payment Schedule: Detailed breakdown of payment dates and amounts

2. Schedule 2 - Fee Schedule: Comprehensive list of all fees and charges

3. Schedule 3 - Interest Rate Calculation: Detailed explanation of interest calculation methods

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

5. Appendix A - Truth in Lending Disclosure: Mandatory disclosure statement as required by Philippine law

6. Appendix B - Personal Information Collection Statement: Detailed privacy notice and consent form

7. Appendix C - Terms and Conditions for Electronic Services: Details of electronic banking services if applicable