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1. Security Arrangements: Required when the loan is secured against specific assets or entitlements

2. Guarantor Provisions: Included when a guarantor is required for the loan

3. Early Repayment: Optional terms for early loan repayment and any associated fees or benefits

4. Insurance Requirements: Required when the employer mandates insurance coverage for the loan

5. Variation of Employment Terms: Included when the loan affects or is affected by employment terms

6. Tax Implications: Detailed section on tax treatment when the loan has significant tax considerations

7. Hardship Provisions: Optional provisions for handling financial hardship situations

1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, purpose, interest rate, and payment schedule

2. Schedule 2 - Repayment Schedule: Detailed payment schedule showing dates, amounts, and allocation between principal and interest

3. Schedule 3 - Direct Debit Authorization: Authorization for automatic payment deductions from salary or bank account

4. Appendix A - Disclosure Statement: Credit Contracts and Consumer Finance Act required disclosures

5. Appendix B - Security Details: Description of any security provided for the loan (if applicable)