1. Early Repayment: Terms for early repayment of the loan, including any penalties or benefits

2. Co-Signer Provisions: Used when a co-signer is required for the loan

3. Cross-Border Use: Required if the vehicle will be regularly used in mainland China or Macau

4. Commercial Use: Additional terms if the vehicle is intended for commercial purposes

5. Refinancing Options: Terms for potential future refinancing of the loan

6. Trade-In Provisions: Required when there is a trade-in vehicle involved in the transaction

7. Extended Warranty: Terms relating to any extended warranty or service package financing

1. Schedule 1 - Payment Schedule: Detailed breakdown of all payments including dates, amounts, and allocation between principal and interest

2. Schedule 2 - Vehicle Specification: Detailed technical specifications and condition report of the vehicle

3. Schedule 3 - Insurance Requirements: Detailed insurance specifications including minimum coverage requirements

4. Appendix A - Direct Debit Authorization: Form for setting up automatic payments

5. Appendix B - Vehicle Inspection Report: Initial condition report and photographs of the vehicle

6. Appendix C - Warranty Terms: Details of manufacturer's warranty and any extended warranty terms