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1. Additional Security: Used when additional collateral or guarantors are required

2. Early Repayment: Include when early repayment options are offered with specific terms

3. Multiple Vehicle Provisions: Required when the loan covers multiple vehicles

4. Transfer Restrictions: Include when there are specific restrictions on vehicle transfer or sale

5. Cross-Default: Used when linking this loan to other employment benefits or obligations

6. International Use: Include for employees who may take the vehicle outside Nigeria

7. Change in Employment Status: Special provisions for handling loan in case of promotion, transfer, or department change

1. Schedule 1 - Vehicle Details: Detailed specification of the vehicle including make, model, year, VIN, and value

2. Schedule 2 - Repayment Schedule: Detailed monthly repayment schedule with dates and amounts

3. Schedule 3 - Insurance Requirements: Specific insurance coverage requirements and approved insurers

4. Schedule 4 - Maintenance Requirements: Required maintenance schedule and approved service providers

5. Appendix A - Salary Deduction Authorization: Employee's written authorization for salary deductions

6. Appendix B - Vehicle Inspection Report: Initial condition report of the vehicle

7. Appendix C - Employee Car Policy: Company's general policy regarding employee use of vehicles