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1. Early Redemption: Terms for early repayment of the loan and recovery of the vehicle before the due date

2. Third Party Rights: Required when there are other parties with interests in the vehicle (e.g., spouse in community of property)

3. Use of Vehicle: Include when the agreement allows for continued use of the vehicle during the pawn period

4. Additional Security: Required when additional security beyond the vehicle is provided

5. Commission and Charges: Detailed breakdown of additional fees when applicable beyond basic interest

6. Vehicle Tracking: Include when vehicle tracking devices are required as part of the agreement

1. Schedule A - Vehicle Details: Detailed description of the vehicle including make, model, year, VIN, engine number, registration number, color, and current mileage

2. Schedule B - Payment Schedule: Detailed breakdown of payment amounts, due dates, and interest calculations

3. Schedule C - Vehicle Condition Report: Detailed report of the vehicle's condition at time of pawning, including photographs and noted damages

4. Schedule D - Insurance Requirements: Specific insurance requirements and minimum coverage details

5. Appendix 1 - Vehicle Documentation: Copies of vehicle registration documents, insurance certificates, and roadworthy certificate

6. Appendix 2 - Statutory Notices: Required notices under the National Credit Act and other applicable legislation