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1. Financial Hardship Declaration: Required when the deferral is specifically due to financial hardship, including details of the borrower's circumstances

2. Additional Security: Include when additional security is required for the deferred amount

3. Insurance Requirements: Include when there are specific insurance requirements during the deferral period

4. Early Resumption: Terms for early resumption of normal payments, include when the borrower might want flexibility to end the deferral early

5. Third Party Consents: Required when there are guarantors or other parties with security interests in the property

6. Review Periods: Include when regular reviews of the borrower's circumstances are required during the deferral period

1. Schedule 1 - Original Mortgage Details: Summary of the key terms from the original mortgage agreement

2. Schedule 2 - Revised Payment Schedule: Detailed breakdown of the modified payment schedule during and after the deferral period

3. Schedule 3 - Financial Information: Current financial information provided by the borrower supporting the deferral request

4. Appendix A - Calculation of Deferred Amount: Detailed calculations showing how the deferred amount and revised payments have been calculated

5. Appendix B - Required Forms: Standard forms required under Irish banking regulations and CCMA compliance

6. Appendix C - Communication Protocol: Procedures for communications between parties during the deferral period