A sample draft of a hetter iska and of a leasehold agreement incorporating the salient points of this discussion are presented below. The purpose of providing these forms is to make available a sample form which may be used freely by parties entering into such agreements.
In the case of the hetter iska, publication of this form serves another purpose as well. With publication of the hetter iska form in this volume the text need not be reproduced in its entirety in every hetter iska agreement. Henceforth, the manifold provisions contained in this form may be incorporated by reference and made an integral part of any loan agreement. A standard loan form may be used provided that the word "interest" is eliminated wherever it may occur and the word "dividend" or "return" substituted in its stead and provided that the following clause is inserted:
The parties to this agreement desire to comply fully with the provisions of Jewish law prohibiting payment and acceptance of interest and for this purpose agree that the terms of this agreement shall be made subject to the terms of a HETTER ISKA as provided in the form set forth in Contemporary Halakhic Problems, II, 386–388. All provisions of said HETTER ISKA form shall be incorporated and made part of this agreement as if fully set forth herein.