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1. Guarantors: Required when there are third-party guarantors securing the credit facility

2. Insurance Requirements: Detailed section needed when specific insurance requirements exceed standard property insurance

3. Construction Provisions: Required when the credit line will be used for property improvements or construction

4. Co-Borrower Provisions: Needed when multiple borrowers are involved in the credit facility

5. Special Drawing Conditions: Used when specific conditions apply to certain types of draws

6. Cross-Default Provisions: Required when the HELOC is linked to other credit facilities

7. Foreign Currency Provisions: Needed when the facility allows drawings in multiple currencies

1. Schedule A - Property Details: Detailed legal description of the property, including title information and encumbrances

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

3. Schedule C - Drawing Procedures: Detailed procedures and forms for requesting draws from the credit line

4. Schedule D - Interest Rate Calculation: Detailed methodology for interest rate calculations and adjustments

5. Schedule E - Required Insurance: Specific insurance requirements and minimum coverage amounts

6. Appendix 1 - Standard Draw Request Form: Template form for requesting draws from the credit line

7. Appendix 2 - Disclosure Statement: Truth in Lending Act disclosures as required by Philippine law

8. Appendix 3 - Property Valuation Report: Initial property valuation establishing the basis for the credit line