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1. Guarantor Provisions: Required when there is a guarantor for the loan, outlining their obligations and liability

2. Line of Credit Provisions: Used when the home equity loan is structured as a revolving line of credit

3. Construction Provisions: Required when loan proceeds will be used for property improvements or construction

4. Secondary Financing: Included when other loans or mortgages exist or are permitted on the property

5. Power of Attorney: Optional provisions granting specific powers to the lender in certain circumstances

6. Electronic Communication Consent: Optional section for agreements to receive documents and communications electronically

7. French Language Acknowledgment: Required in Quebec, acknowledging the parties' language choice for the agreement

1. Schedule A - Property Description: Legal description of the property securing the loan

2. Schedule B - Payment Schedule: Detailed amortization schedule showing payment amounts, dates, and interest allocations

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

4. Schedule D - Insurance Requirements: Detailed specifications for required property and other insurance coverage

5. Schedule E - Property Appraisal: Summary of the professional appraisal of the property

6. Appendix 1 - Cost of Borrowing Disclosure: Regulatory required disclosure of all borrowing costs and APR

7. Appendix 2 - Privacy Policy: Detailed privacy policy and information handling procedures

8. Appendix 3 - Risk Disclosure: Disclosure of risks associated with home equity loans and potential property loss