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1. Guarantor Provisions: Required when there is a guarantor for the HELOC, detailing their obligations and liability

2. Insurance Requirements: Detailed section needed when specific insurance requirements beyond standard property insurance are required

3. Special Payment Arrangements: Include when there are pre-authorized payments or specific payment methods required

4. Property Management: Required for properties with specific maintenance requirements or restrictions

5. Cross-Collateralization: Include when the HELOC is secured by multiple properties or assets

6. Foreign Currency Provisions: Required when the borrower's income is in a different currency or when foreign currency drawings are permitted

7. Construction Provisions: Include when the HELOC is being used for property renovations or construction

1. Schedule A - Property Description: Legal description of the property securing the HELOC

2. Schedule B - Fees and Charges: Detailed breakdown of all applicable fees, charges, and penalties

3. Schedule C - Payment Schedule: Details of minimum payment requirements and payment calculation methods

4. Schedule D - Interest Rate Calculation: Detailed explanation of interest rate calculation, including reference rate and margin

5. Schedule E - Insurance Requirements: Specific insurance requirements and minimum coverage amounts

6. Appendix 1 - Disclosure Statement: Mandatory cost of borrowing disclosure as required by federal and provincial regulations

7. Appendix 2 - Draw Procedures: Procedures and requirements for making draws on the HELOC

8. Appendix 3 - Standard Charge Terms: Standard mortgage/charge terms referenced in the security documentation