1. Late Payment Provisions: Details of late payment fees and penalties - include if lender wishes to charge late fees

2. Prepayment Terms: Conditions for early repayment - include if early repayment is allowed

3. Co-signer Provisions: Terms applying to any co-signer - include if there is a co-signer

4. Insurance Requirements: Any required insurance coverage - include for larger loans or if security requires insurance

5. Assignment: Rights to assign the loan - include if assignment might be contemplated

6. Electronic Communications: Provisions for electronic notices and communications - include if parties agree to electronic communication

7. Dispute Resolution: Alternative dispute resolution procedures - include if parties want to specify mediation or arbitration

1. Schedule 1 - Payment Schedule: Detailed amortization schedule showing payment dates and amounts

2. Schedule 2 - Security Details: Description of any security provided for the loan (if applicable)

3. Schedule 3 - Direct Debit Authority: Direct debit authorization form if automatic payments are set up

4. Appendix A - Loan Calculator: Breakdown of interest calculations and total amount payable

5. Appendix B - Key Fact Sheet: Summary of key information as required by consumer credit law

6. Appendix C - Credit Guide: Mandatory credit guide if lender is a credit provider under NCCP Act