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1. Security: Include when the repayment is secured against assets or property

2. Guarantees: Include when there are guarantors providing additional security for the repayment

3. Early Repayment: Include when early repayment options are available, including any associated fees or benefits

4. Insurance Requirements: Include when insurance is required to protect the security or ensure repayment

5. Variation Provisions: Include when flexibility for payment variation might be needed (e.g., payment holidays, hardship provisions)

6. Assignment: Include when either party may need to assign their rights under the agreement

7. Privacy and Information Sharing: Include when there's significant handling of personal information or credit reporting requirements

1. Schedule 1: Payment Schedule: Detailed breakdown of payment amounts, dates, and installments

2. Schedule 2: Debt Details: Itemized breakdown of the debt amount, including any fees or charges included

3. Schedule 3: Security Details: Description of any assets or property provided as security (if applicable)

4. Appendix A: Direct Debit Authority: Form authorizing automatic payment deductions

5. Appendix B: Guarantor Details: Full details of any guarantors and their obligations (if applicable)

6. Appendix C: Supporting Documents: Copies of relevant documents evidencing the original debt