1. Security: Include when the loan is secured against specific assets or property

2. Guarantor Provisions: Required when there is a third-party guarantor for the loan

3. Early Repayment: Details terms for early loan repayment when this option is offered

4. Loan Forgiveness: Include when there are specific conditions under which part or all of the loan may be forgiven

5. Death or Incapacity: Special provisions for handling the loan in case of death or incapacity of either party

6. Family Law Considerations: Include when the borrower is married or in a de facto relationship to address treatment of the loan in case of relationship breakdown

7. Tax Implications: Include when there are specific tax arrangements or implications that need to be documented

8. Dispute Resolution: Optional detailed dispute resolution process, particularly relevant for larger loans

1. Schedule 1 - Loan Details: Detailed breakdown of the loan amount, interest rate, and payment schedule

2. Schedule 2 - Repayment Schedule: Detailed amortization table showing payment dates and amounts

3. Schedule 3 - Security Details: Description of any assets provided as security (if applicable)

4. Appendix A - Loan Application: Copy of the original loan application or request (if formal application was made)

5. Appendix B - Financial Statement: Statement of the borrower's financial position at the time of the loan

6. Appendix C - Direct Debit Authority: Direct debit authorization form if automatic payments are being set up