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1. Security Arrangements: Required if the loan is secured against any assets

2. Guarantor Provisions: Required if there is a guarantor for the loan

3. Insurance Requirements: Required if insurance is mandatory for the loan

4. Direct Debit Authority: Optional section for automatic payment setup

5. Specific Purpose Provisions: Required for special purpose loans with specific conditions

6. Joint Borrower Provisions: Required when there are multiple borrowers

7. Hardship Provisions: Optional detailed section about hardship applications and processes

1. Schedule 1 - Initial Disclosure Statement: Mandatory CCCFA disclosure information including all fees, charges, and interest calculations

2. Schedule 2 - Payment Schedule: Detailed breakdown of payment dates and amounts

3. Schedule 3 - Fee Schedule: Comprehensive list of all fees and charges that may apply

4. Schedule 4 - Direct Debit Terms: Terms and conditions for direct debit arrangements if applicable

5. Appendix A - Right to Cancel: Mandatory information about the borrower's right to cancel within the cooling-off period

6. Appendix B - Hardship Application Process: Details of how to apply for hardship variation and the process involved