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1. Security/Collateral: Include when the note is secured by specific assets or collateral

2. Guaranty: Include when there is a guarantor for the note

3. Prepayment Provisions: Include if early payment of the balloon amount is allowed, possibly with penalties or conditions

4. Late Payment Penalties: Include if specific penalties for late payments are to be imposed

5. Assignment: Include if the note can be assigned or transferred to other parties

6. Electronic Execution: Include if the note may be executed electronically under the E-Commerce Act

1. Schedule A - Payment Schedule: Detailed amortization schedule showing interest-only payments and final balloon payment

2. Schedule B - Collateral Description: Detailed description of any collateral securing the note (if applicable)

3. Schedule C - Interest Calculation Method: Detailed explanation of interest calculation methodology and examples