1. Early Repayment: Terms for early settlement of the loan, used when early repayment is permitted

2. Security Interest: Although primarily unsecured, may include terms for future security if contemplated

3. Insurance: Optional credit life insurance provisions if offered

4. Co-signer Provisions: Used when a co-signer or guarantor is involved in the loan

5. Debt Counselling Notice: Extended section on debt counselling rights for higher-risk borrowers

6. Change in Circumstances: Provisions for handling material changes in borrower's financial situation

7. Assignment: Terms allowing/restricting the assignment of rights under the agreement

1. Schedule 1: Payment Schedule: Detailed amortization schedule showing all payments, interest, and principal amounts

2. Schedule 2: Pre-Agreement Statement and Quotation: NCA-mandated pre-agreement disclosure of all costs and terms

3. Schedule 3: Borrower Information Form: Detailed information about the borrower's financial position and contact details

4. Schedule 4: Direct Debit Authorization: If applicable, authorization for automatic payment deductions

5. Appendix A: Cost of Credit: Detailed breakdown of all costs associated with the credit agreement

6. Appendix B: Statement of Consumer Rights: Mandatory NCA disclosure of consumer rights and protections