����ֱ��

1. Multiple Borrower Provisions: Required when there are multiple borrowers, defining joint and several liability

2. Additional Security: Used when additional security beyond gold is being provided

3. Insurance: Detailed insurance requirements if insurance of the gold is required by the lender

4. Tax Provisions: Special tax considerations and obligations, if applicable

5. Gold Quality Testing: Specific provisions for testing and verifying gold quality during the loan term

6. Partial Release Provisions: Terms for partial release of gold upon partial loan repayment

7. Force Majeure: Provisions for unforeseen circumstances affecting gold storage or valuation

1. Schedule 1 - Gold Specifications: Detailed description of the pledged gold including weight, purity, form, and identification marks

2. Schedule 2 - Valuation Mechanism: Methodology for gold valuation, including price sources and calculation formula

3. Schedule 3 - Storage Requirements: Specific requirements for storage facilities and security measures

4. Schedule 4 - Fees Schedule: Detailed breakdown of all applicable fees and charges

5. Schedule 5 - Repayment Schedule: Detailed loan repayment schedule with dates and amounts

6. Appendix A - Gold Testing Procedures: Procedures for testing and verifying gold quality

7. Appendix B - Required Forms: Standard forms for notices, requests, and other communications

8. Appendix C - Regulatory Compliance Checklist: Checklist of required documentation for UAE regulatory compliance