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1. Salary Packaging Arrangements: Include when the car loan is part of a salary packaging arrangement, detailing tax implications and FBT considerations

2. Security Requirements: Include when additional security beyond the vehicle itself is required for the loan

3. Guarantor Provisions: Include when a guarantor is required for the loan

4. Early Repayment: Include when early repayment options and any associated fees or benefits are offered

5. Business Use Provisions: Include when the vehicle will be used for business purposes, detailing logbook and expense tracking requirements

6. Novation Arrangements: Include when there's a possibility of novating the lease to another employer

7. Insurance Through Employer: Include when the employer provides or arranges the vehicle insurance

1. Schedule 1 - Vehicle Specifications: Detailed description of the vehicle including all features and specifications

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

3. Schedule 3 - Insurance Requirements: Specific insurance requirements including minimum coverage levels

4. Schedule 4 - Condition Report: Initial condition report of the vehicle at time of purchase

5. Schedule 5 - Salary Deduction Authorization: Employee's authorization for loan repayments to be deducted from salary

6. Appendix A - Vehicle Usage Policy: Company policy regarding vehicle usage and maintenance requirements

7. Appendix B - Tax Declaration: Employee's declaration regarding intended vehicle use for tax purposes