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1. Guarantor Provisions: Used when a guarantor is required to secure the loan, including guarantor's obligations and liability

2. Payment Holiday Provisions: Include when the agreement offers payment holiday options

3. Variable Interest Rate Terms: Required if the loan has a variable rather than fixed interest rate

4. Joint Borrowers: Include when there are multiple borrowers for the same vehicle loan

5. Special Payment Arrangements: Used for non-standard payment arrangements like seasonal payments

6. Vehicle Usage Restrictions: Include for commercial vehicles or when specific usage restrictions apply

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

8. Assignment Rights: Include when the lender wants the right to assign the loan to third parties

1. Schedule 1 - Loan Payment Schedule: Detailed amortization schedule showing all payments, interest, and principal

2. Schedule 2 - Vehicle Details: Comprehensive vehicle specifications, including photos and condition report

3. Schedule 3 - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements

4. Schedule 4 - Direct Debit Mandate: Direct debit authorization form and banking details

5. Schedule 5 - Standard European Consumer Credit Information: Mandatory pre-contractual information as required by EU regulations

6. Appendix A - Early Repayment Calculation Method: Formula and examples for calculating early repayment amounts

7. Appendix B - Guarantor Details: Guarantor information and declaration (if applicable)

8. Appendix C - Vehicle Maintenance Requirements: Required maintenance schedule and standards for the vehicle