1. Security Arrangements: Include when the consolidated debt is secured by collateral or assets

2. Guarantor Provisions: Include when there are third-party guarantors for the consolidated debt

3. Insurance Requirements: Include when specific insurance coverage is required for secured assets or the borrower

4. Early Repayment Terms: Include when early repayment options and associated penalties need to be specified

5. Debt Counseling Requirements: Include when mandatory financial counseling is part of the agreement

6. Change in Circumstances: Include when specific provisions for handling changes in borrower's financial situation are needed

7. Assignment and Transfer: Include when either party needs the right to assign or transfer their rights under the agreement

1. Schedule 1 - Existing Debts: Detailed list of all debts being consolidated, including creditors, amounts, and original terms

2. Schedule 2 - Repayment Schedule: Detailed payment schedule showing dates, amounts, and allocation of payments

3. Schedule 3 - Security Details: Details of any security or collateral provided, including asset descriptions and valuations

4. Schedule 4 - Fee Schedule: Comprehensive list of all applicable fees and charges

5. Appendix A - Required Documents: List of documents required from the borrower, such as income proof and existing debt statements

6. Appendix B - Contact Information: Detailed contact information for all parties, including authorized representatives