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1. Security: Include when the loan is secured by collateral, describing the assets pledged as security

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

3. Insurance Requirements: Include when the borrower must maintain specific insurance coverage

4. Late Payment Charges: Include when there are additional fees for late payments

5. Assignment Rights: Include when either party may want to transfer their rights under the agreement

6. Co-Borrower Provisions: Include when there are multiple borrowers, defining joint and several liability

7. Electronic Payments Authorization: Include when automatic payments will be set up

8. Privacy Consent: Include when additional privacy consents are needed beyond standard requirements

1. Schedule A - Payment Schedule: Detailed amortization schedule showing all payment dates, amounts, and interest portions

2. Schedule B - Loan Calculation Summary: Breakdown of the total cost of borrowing, including all fees and interest

3. Schedule C - Pre-Authorized Debit Form: Form for setting up automatic payments if applicable

4. Schedule D - Security Documentation: Details of any collateral or security if the loan is secured

5. Appendix 1 - Disclosure Statement: Mandatory cost of borrowing disclosure as required by provincial consumer protection laws

6. Appendix 2 - Identity Verification: Copies of identification documents and verification records as required by AML regulations