1. Security: Include when the loan is secured by any assets or guarantees

2. Insurance Requirements: Include when specific insurance is required as part of the loan conditions

3. Direct Debit Authorization: Include when automatic payments are to be set up

4. Guarantor Provisions: Include when a guarantor is required for the loan

5. Special Conditions: Include when there are unique terms specific to the borrower's situation

6. Electronic Communications Consent: Include when parties agree to receive notices electronically

1. Schedule 1 - Payment Schedule: Detailed breakdown of payment amounts and due dates

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

3. Schedule 3 - Information Statement: Mandatory information statement required under the National Credit Code

4. Schedule 4 - Direct Debit Request Form: Standard form for setting up automatic payments

5. Appendix A - Credit Guide: Lender's credit guide as required by NCCP Act

6. Appendix B - Key Facts Sheet: Summary of key information about the credit contract as required by regulations