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1. Guarantor Provisions: Required when a guarantor is providing additional security for the loan

2. Co-borrower Provisions: Required when there are multiple borrowers for the same vehicle

3. Special Payment Arrangements: Include when there are non-standard payment terms or structures

4. Vehicle Usage Restrictions: Additional restrictions on vehicle use (e.g., commercial use, geographical restrictions)

5. Early Settlement Terms: Detailed early repayment terms when specifically negotiated

6. Cross-Default Provisions: Include when the borrower has other facilities with the same lender

7. Assignment and Transfer: Include when the lender may want to transfer or assign the loan

1. Schedule 1 - Vehicle Details: Detailed specification of the vehicle including registration documents and condition report

2. Schedule 2 - Payment Schedule: Amortization schedule showing all payments, interest, and principal portions

3. Schedule 3 - Insurance Requirements: Detailed insurance specifications and approved insurers

4. Schedule 4 - Fees and Charges: Complete list of all applicable fees, charges, and penalties

5. Schedule 5 - Vehicle Maintenance Requirements: Specific maintenance and servicing requirements

6. Appendix A - Direct Debit Authorization: Form for setting up automatic payment arrangements

7. Appendix B - Personal Data Collection Statement: Required statement under Hong Kong's Personal Data (Privacy) Ordinance

8. Appendix C - Vehicle Inspection Report: Initial condition report and inspection details of the vehicle