1. Guarantor Provisions: Terms applicable when a guarantor is required to secure the loan

2. Special Payment Arrangements: Used when non-standard payment terms are agreed (e.g., balloon payments, seasonal payments)

3. Vehicle Usage Restrictions: Additional restrictions on vehicle use (e.g., commercial use, geographical limitations)

4. Co-Borrower Terms: Provisions for situations involving multiple borrowers

5. Dealer Arrangements: Terms relating to the vehicle dealer if the loan is arranged through a dealership

6. Electronic Communication Consent: Terms for electronic notices and statements if offered by the lender

7. Privacy Policy: Detailed privacy terms if not covered in a separate document

1. Schedule 1 - Vehicle Specifications: Detailed technical specifications of the vehicle, including all optional features and modifications

2. Schedule 2 - Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and breakdown of principal and interest

3. Schedule 3 - Insurance Requirements: Specific insurance coverage requirements, minimum coverage amounts, and approved insurers

4. Schedule 4 - Fees and Charges: Comprehensive list of all applicable fees, charges, and their calculation methods

5. Appendix A - Vehicle Inspection Report: Initial condition report of the vehicle at the time of financing

6. Appendix B - Direct Debit Authorization: Authorization form for automatic payment arrangements

7. Appendix C - Personal Information Collection Statement: Detailed statement regarding the collection and use of personal data under Hong Kong law