1. Guarantor Provisions: Required when a guarantor is securing the loan

2. Early Repayment Terms: Include when early repayment options are offered

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

4. Additional Security: Include when additional collateral besides the vehicle is required

5. Special Payment Arrangements: Include for non-standard payment arrangements or hardship provisions

6. Cross-Collateralization: Include when the vehicle secures other loans with the same lender

1. Schedule 1 - Vehicle Details: Detailed description of the vehicle including make, model, VIN, registration

2. Schedule 2 - Payment Schedule: Detailed amortization schedule showing payment dates and amounts

3. Schedule 3 - Fees and Charges: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements

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

6. Appendix B - Direct Debit Request: Optional form for setting up automatic payments