1. Guarantor Details: To be included when a guarantor is required for the loan

2. Insurance Requirements: Required when specific insurance must be maintained over secured assets

3. Early Repayment Provisions: Details of early repayment options and any associated fees, if permitted

4. Electronic Communication Consent: Required when parties agree to receive notices electronically

5. Joint Borrower Provisions: Include when there are multiple borrowers

6. Variable Interest Rate Terms: Required for variable rate loans, including rate adjustment mechanisms

7. Redraw Facility: Include if a redraw facility is offered with the loan

8. Direct Debit Authority: Required when automatic payments are to be established

1. Schedule 1 - Loan Summary: Key financial information including loan amount, interest rate, fees, and payment schedule

2. Schedule 2 - Fee Schedule: Detailed breakdown of all applicable fees and charges

3. Schedule 3 - Security Details: Comprehensive description of any security provided for the loan

4. Schedule 4 - Special Conditions: Any special or non-standard terms applicable to the specific loan

5. Appendix A - Information Statement: Mandatory information statement required under the National Credit Code

6. Appendix B - Direct Debit Request Form: Standard form for setting up direct debit payments

7. Appendix C - Privacy Consent Form: Detailed privacy consent and credit reporting authorization

8. Appendix D - Guarantor Acknowledgment: Required documentation for guarantors if applicable