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1. Guarantor Provisions: Required when a guarantor is providing additional security for the payment obligations

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

3. Trade-in Details: Required when there is a trade-in vehicle involved in the transaction

4. Delivery Terms: Include when specific delivery arrangements need to be documented

5. Maintenance Agreement: Optional section for including specific maintenance requirements or service agreements

6. Extended Warranty: Include when an extended warranty is being offered or required as part of the agreement

1. Schedule 1 - Payment Schedule: Detailed breakdown of payment amounts, dates, and interest calculations

2. Schedule 2 - Vehicle Specification: Comprehensive description of the vehicle, including features, conditions, and any modifications

3. Schedule 3 - Disclosure Statement: Mandatory credit contract disclosure information as required by NZ law

4. Schedule 4 - Insurance Requirements: Specific insurance requirements including minimum coverage levels

5. Appendix A - Vehicle Condition Report: Detailed report of the vehicle's condition at the time of agreement

6. Appendix B - Fees and Charges: Complete schedule of all applicable fees and charges