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1. Guarantor Provisions: Required when a guarantor is securing the loan, detailing their obligations and liability

2. Early Repayment: Include when early repayment options are offered, detailing calculations and fees

3. Insurance Requirements: Detailed insurance obligations beyond standard requirements, if specific coverage is required

4. Additional Security: Include when additional collateral besides the vehicle is required

5. Cross-Default: Include when the borrower has other loans with the same lender

6. Special Payment Arrangements: Include for non-standard payment arrangements or specific payment methods

7. Vehicle Usage Restrictions: Include when there are specific restrictions on vehicle use (e.g., commercial use limitations)

8. Debt Collection: Include specific debt collection procedures if different from standard practice

1. Schedule 1 - Vehicle Details: Comprehensive vehicle information including registration documents, photographs, and condition report

2. Schedule 2 - Repayment Schedule: Detailed amortization table showing all payments, interest, and principal portions

3. Schedule 3 - Insurance Requirements: Specific insurance requirements including minimum coverage amounts and types

4. Schedule 4 - Fees and Charges: Complete list of all applicable fees, charges, and penalties

5. Schedule 5 - Direct Debit Authorization: Bank account details and authorization for automatic payments

6. Appendix A - Required Documents: List of documents required from borrower (ID, proof of income, vehicle registration)

7. Appendix B - Privacy Policy: Details of personal data collection and usage as per PDPO requirements

8. Appendix C - Standard Warning Statements: Mandatory warnings required under the Money Lenders Ordinance