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1. Parties: Identification of the lender and borrower with complete details as required by Philippine regulations

2. Background: Context of the loan agreement and relationship between the parties

3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement

4. The Loan: Principal amount, purpose, and drawdown conditions

5. Interest: Interest rate, calculation method, payment dates, and default interest provisions

6. Interest Only Payments: Specific terms regarding interest-only payment structure and duration

7. Principal Repayment: Terms for final principal repayment at the end of the interest-only period

8. Representations and Warranties: Standard representations and warranties from the borrower

9. Borrower Covenants: Positive and negative covenants the borrower must comply with

10. Events of Default: Circumstances constituting default and consequences

11. Changes to Parties: Rules for assignment and transfer of rights

12. Notices: Communication methods and contact details

13. General Provisions: Miscellaneous legal provisions including governing law and jurisdiction

14. Execution: Signature blocks and execution requirements

1. Schedule 1 - Loan Details: Detailed loan terms including amount, interest rate, and payment dates

2. Schedule 2 - Conditions Precedent: List of documents and conditions required before drawdown

3. Schedule 3 - Repayment Schedule: Detailed schedule of interest payment dates and amounts

4. Schedule 4 - Form of Drawdown Notice: Template for drawdown requests

5. Schedule 5 - Security Details: Details of any security or collateral (if applicable)

6. Schedule 6 - Fees and Charges: Breakdown of all applicable fees and charges

7. Appendix A - Truth in Lending Act Disclosure: Mandatory disclosure statement under Philippine law

8. Appendix B - Special Conditions: Any special conditions or requirements specific to the loan