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1. Security Arrangements: Details of any collateral or security required, used when the credit facility is secured

2. Guarantor Provisions: Terms applicable to guarantors, included when a guarantee is required

3. Insurance Requirements: Specific insurance obligations, included for certain types of credit facilities

4. Special Conditions: Additional terms specific to particular types of credit facilities or borrower circumstances

5. Early Payment Provisions: Terms for early repayment or settlement, included when early payment is permitted

6. Co-Applicant Provisions: Additional terms for joint applications, included when there are multiple applicants

7. Electronic Communications: Terms for digital communications and notices, included when electronic services are offered

1. Schedule 1 - Application Form: Detailed credit application form with all required information fields

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

3. Schedule 3 - Payment Schedule: Detailed breakdown of payment dates and amounts

4. Schedule 4 - Required Documents: List of supporting documents required for the application

5. Schedule 5 - Terms and Conditions: Detailed terms and conditions of the credit facility

6. Appendix A - KYC Documentation: Required Know Your Customer documentation checklist

7. Appendix B - Credit Assessment Criteria: Standard criteria used for credit assessment

8. Appendix C - Shariah Principles Statement: Detailed explanation of applicable Shariah principles