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1. Parties: Identifies and provides full details of the lender and borrower

2. Background: Explains the context of the loan and confirms the borrower's request for financial accommodation

3. Definitions: Defines key terms used throughout the agreement

4. Loan Amount and Purpose: Specifies the principal amount of the loan and its intended use

5. Interest Rate and Calculations: Details the interest rate, calculation method, and effective interest rate as required by Hong Kong law

6. Repayment Terms: Specifies the repayment schedule, payment methods, and consequences of early or late payment

7. Security and Collateral: Describes the collateral provided, including its valuation and maintenance requirements

8. Representations and Warranties: Contains statements of fact and assurances from the borrower

9. Borrower's Covenants: Lists ongoing obligations of the borrower during the loan term

10. Events of Default: Defines circumstances that constitute default and the lender's remedies

11. Enforcement Rights: Details the lender's rights regarding the collateral in case of default

12. Costs and Expenses: Allocates responsibility for fees, charges, and enforcement costs

13. Notices: Specifies how formal communications between parties should be made

14. General Provisions: Contains standard boilerplate clauses including governing law, entire agreement, and amendments

1. Schedule 1 - Loan Details: Contains specific loan terms including amount, interest rate, and repayment schedule

2. Schedule 2 - Collateral Description: Detailed description and documentation of the collateral

3. Schedule 3 - Repayment Schedule: Detailed amortization table showing payment dates and amounts

4. Schedule 4 - Form of Drawdown Notice: Standard form for requesting disbursement of the loan

5. Schedule 5 - Security Documents: List and copies of additional security documents

6. Appendix A - Required Insurance: Details of required insurance coverage for the collateral

7. Appendix B - Fees and Charges: Comprehensive list of all applicable fees and charges

8. Appendix C - Signing Authorities: Documentation of authorized signatories and signing requirements