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

2. Insurance Requirements: Include when life or disability insurance is required to secure the loan

3. Stock Options/Equity Components: Include when the loan is connected to employee stock purchase or equity programs

4. Confidentiality: Include when loan terms should be kept confidential or when connected to confidential business information

5. Non-Competition/Non-Solicitation: Include when the loan agreement is tied to restrictive covenants

6. International Tax Provisions: Include for employees working across jurisdictions or subject to multiple tax regimes

1. Schedule A - Loan Details: Detailed breakdown of loan amount, any interest calculations, and payment schedule if applicable

2. Schedule B - Forgiveness Schedule: Timeline and milestones for loan forgiveness

3. Schedule C - Employment Terms: Reference to or summary of relevant employment terms affecting the loan

4. Appendix 1 - Tax Treatment Summary: Summary of tax implications and reporting requirements

5. Appendix 2 - Calculation Method: Detailed explanation of how forgiveness amounts are calculated

6. Appendix 3 - Required Forms: Any forms or documentation required for loan administration or forgiveness