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1. Security: Used when the loan is secured against assets, detailing the security arrangement and obligations

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

3. Insurance Requirements: Included when specific insurance coverage is required for secured assets or the borrower

4. Early Repayment: Details early repayment options and any associated fees if allowed

5. Draw Down Conditions: Used for loans with multiple draw downs or specific conditions before funds release

6. Business Purpose Declaration: Required when the loan is for business purposes to exclude consumer protection provisions

7. Joint and Several Liability: Included when there are multiple borrowers to define their collective responsibility

1. Schedule 1 - Payment Schedule: Detailed breakdown of payment dates, amounts, and allocation between principal and interest

2. Schedule 2 - Fee Schedule: Comprehensive list of all fees and charges applicable to the loan

3. Schedule 3 - Security Details: Description of any secured assets including registration numbers, locations, and values

4. Schedule 4 - Initial Disclosure Statement: Required under CCCFA, containing all mandatory disclosure information

5. Schedule 5 - Direct Debit Authority: Payment authorization form if payments are to be made by direct debit

6. Appendix A - Loan Application Form: Copy of the borrower's loan application with declared information

7. Appendix B - Credit Assessment: Summary of the credit assessment performed as required by responsible lending obligations