1. Security: Required when the credit is secured by collateral or guarantees

2. Insurance Requirements: Included when credit life, disability, or property insurance is required

3. Co-Borrower Provisions: Needed when there are multiple borrowers on the credit facility

4. Automatic Payment Authorization: Used when automatic payments from a bank account are being set up

5. Credit Card Terms: Required if the credit facility includes a credit card component

6. Reward Program Terms: Included if the credit facility offers any rewards or loyalty program

7. Joint and Several Liability: Required when multiple borrowers are jointly liable for the debt

8. Foreign Currency Provisions: Needed if any transactions or payments involve foreign currency

1. Schedule A - Payment Schedule: Detailed breakdown of payment amounts, dates, and amortization schedule

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

3. Schedule C - Disclosure Statement: Required cost of borrowing disclosures as per provincial regulations

4. Schedule D - Security Agreement: Details of any collateral or security arrangements (if applicable)

5. Appendix 1 - Insurance Requirements: Specific insurance requirements and acceptable providers

6. Appendix 2 - Privacy Policy: Detailed privacy policy and information handling procedures

7. Appendix 3 - Electronic Communications Consent: Terms for electronic statements and communications