Estimates and Invoicing, including a service agreement

Estimates and Invoicing, including a service agreement

Hello, I'm not to Zoho and was trying to set up my templates for Estimates and Invoicing.

I have a service agreement terms and conditions document that I want to add to the estimates and invoice as one singular file rather than as an attachment.  

Is there a way to add this additional one page document to the estimate/invoice or if not, is there a work around for it?