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

2. Early Repayment: Include when early repayment is permitted, specifying any applicable fees or calculations

3. Insurance Requirements: Include when specific insurance coverage is required as a condition of the loan

4. Redraw Facility: Include if the loan allows for redraw of additional payments

5. Variable Interest Rate Mechanisms: Required for variable rate loans to explain how rate changes are calculated and communicated

6. Special Conditions: Include when there are unique terms specific to this loan arrangement

1. Schedule 1 - Repayment Schedule: Detailed breakdown of all scheduled repayments including dates, amounts, and allocation between principal and interest

2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges

3. Schedule 3 - Security Details: Detailed description of any security or collateral provided

4. Appendix A - Direct Debit Request: Standard form for setting up automatic payments

5. Appendix B - Key Facts Sheet: Required under National Consumer Credit Protection Act to summarize key information

6. Appendix C - Information Statement: Mandatory information statement under the National Credit Code