1. Security: Required if the loan is secured against any assets, describing the security arrangement

2. Guarantee: Required if there is a guarantor for the loan, detailing guarantor's obligations

3. Insurance Requirements: Required if specific insurance must be maintained for secured assets

4. Early Repayment: Optional section detailing early repayment terms and any associated fees

5. Multiple Borrowers: Required if there are joint borrowers, describing joint and several liability

6. Direct Debit Authority: Optional section for automatic payment arrangements

7. Privacy and Information Sharing: Detailed privacy terms if extensive information sharing is required

1. Schedule 1 - Loan Summary: Key information disclosure as required by CCCFA, including total amount payable, interest rates, and fees

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

3. Schedule 3 - Fee Schedule: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Security Details: If secured, detailed description of security property and registration details

5. Appendix A - Direct Debit Form: Standard direct debit authorization form if applicable

6. Appendix B - Credit Report Authorization: Standard form for credit check authorization