1. Security: Required if the loan is secured by any assets or guarantees

2. Guarantor Provisions: Required if a guarantor is involved in the loan agreement

3. Direct Debit Authority: Optional section for automatic payment arrangements

4. Early Repayment: Details of early repayment options and any associated fees

5. Insurance Requirements: Required if any specific insurance is mandatory for the loan

6. Electronic Communications: Required if communications will be conducted electronically

7. Assignment and Transfer: Optional provisions for the transfer of rights under the agreement

1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, term, and purpose

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

3. Schedule 3 - Repayment Schedule: Detailed repayment calendar with amounts and dates

4. Schedule 4 - Direct Debit Authority Form: If applicable, the direct debit authorization form

5. Appendix A - Information Statement: Mandatory information statement required under the NCCP Act

6. Appendix B - Warning Statement: Mandatory warning statements about payday loans