1. Guarantee: Personal or corporate guarantee provisions, used when additional security is required

2. Insurance Requirements: Specific insurance obligations, used for high-value credit arrangements

3. Financial Covenants: Financial maintenance requirements, used for larger credit facilities

4. Credit Check Authorization: Authorization for ongoing credit checks, used for longer-term arrangements

5. Special Trading Terms: Industry-specific trading terms, used when relevant to specific sectors

6. Review and Variation: Provisions for periodic review of credit terms, used for longer-term arrangements

7. Cross-Default: Cross-default provisions with other agreements, used for complex commercial relationships

8. Privacy and Data Protection: Enhanced privacy provisions, used when collecting sensitive financial information

1. Schedule 1 - Credit Limit and Fees: Detailed breakdown of credit limit, fees, and charges

2. Schedule 2 - Payment Schedule: Specific payment terms and due dates

3. Schedule 3 - Security Details: Details of any security provided, including PPSR registrations

4. Schedule 4 - Guarantee Deed: Form of guarantee when applicable

5. Schedule 5 - Required Insurance: Specific insurance requirements and minimum coverage

6. Appendix A - Credit Application Form: Standard form for credit application and assessment

7. Appendix B - Direct Debit Authority: Form for setting up direct debit payments

8. Appendix C - Financial Reporting Requirements: Template for required financial reports and certificates