1. Insurance: Details of optional credit insurance products - include when insurance is offered

2. Reward Programs: Terms of any rewards or cashback programs - include for credit card agreements

3. Joint Borrowers: Additional terms for joint credit facilities - include when there are multiple borrowers

4. Pre-authorized Payments: Terms for automatic payment arrangements - include when this service is offered

5. Online Services: Terms for accessing and managing the credit facility online - include for digital services

6. Foreign Currency Transactions: Terms for foreign currency usage and conversion - include for credit cards with international usage

7. Balance Transfer Terms: Terms for balance transfers from other credit facilities - include when offered

1. Schedule A - Interest Rate and Fee Schedule: Detailed breakdown of all interest rates, fees, and charges

2. Schedule B - Payment Schedule: Detailed amortization schedule or payment terms

3. Schedule C - Cost of Borrowing Disclosure: Regulatory required disclosure of total cost of borrowing

4. Schedule D - Insurance Product Summary: Summary of optional insurance products and their costs

5. Appendix 1 - Provincial Disclosures: Province-specific disclosures and consumer rights

6. Appendix 2 - Security Agreement: Detailed terms of any security arrangements