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1. Collateral Security: Include when the loan is secured by specific assets or guarantees

2. Insurance Requirements: Include when loan insurance is required or offered as part of the package

3. Automated Payment Authorization: Include when automatic deductions from bank accounts are implemented

4. Early Repayment Terms: Include when early repayment options are offered with specific conditions

5. Credit Scoring Disclosure: Include when automated credit scoring systems are used for loan approval

6. Third-Party Integration: Include when third-party services (payment providers, credit bureaus) are involved

7. Borrower Support Services: Include when specific digital support services or channels are provided

8. Amendment Procedures: Include when specific procedures for digital amendments are required

1. Schedule A - Payment Schedule: Detailed amortization table showing payment dates, amounts, and breakdown of principal and interest

2. Schedule B - Fee Structure: Comprehensive list of all fees, charges, and computation methods

3. Schedule C - Digital Platform Terms: Terms and conditions specific to the digital lending platform or app

4. Schedule D - Electronic Transaction Procedures: Detailed procedures for electronic disbursement and repayment

5. Appendix 1 - Truth in Lending Disclosure: Mandatory disclosure statement as required by Philippine regulations

6. Appendix 2 - Privacy Policy: Detailed privacy policy and data handling procedures

7. Appendix 3 - Electronic Signature Protocol: Technical requirements and procedures for valid electronic signatures

8. Appendix 4 - Contact Information: List of relevant contact details for digital and traditional communication channels