1. Previous Communications Reference: Reference to previous correspondence or conversations regarding the default, used when there has been prior communication

2. Hardship Notice: Information about hardship variations and how to apply, included when there are indicators of financial hardship

3. Financial Counseling Information: Contact details for financial counseling services, included when required by regulations or best practice

4. Dispute Resolution Process: Information about internal and external dispute resolution processes, included when required by regulations

5. Insurance Claims: Reference to any relevant mortgage insurance claims or processes, included when insurance may be relevant

1. Schedule A - Payment History: Detailed breakdown of payment history showing missed payments and dates

2. Schedule B - Outstanding Amount Calculation: Detailed calculation of the outstanding amount including principal, interest, fees, and charges

3. Schedule C - Loan Terms Reference: Reference to relevant sections of the loan agreement that relate to default and enforcement

4. Appendix 1 - Required Forms: Any statutory forms required under the National Credit Code or state legislation