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1. Co-Signer Provisions: Required when there is a co-signer guaranteeing the debt, outlining their obligations and liability

2. Early Payment Provisions: Optional section detailing terms for early payment or prepayment of the debt, including any penalties or benefits

3. Balloon Payment: Required when the payment structure includes a large final payment, detailing the terms of this payment

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

5. Assignment: Optional section allowing for the transfer of rights under the agreement to another party

6. Electronic Payment Authorization: Optional section for automatic payment arrangements

7. Vehicle Maintenance Requirements: Optional section specifying required maintenance to protect the vehicle's value as security

1. Schedule A - Vehicle Details: Comprehensive description of the vehicle including photographs, condition report, and features

2. Schedule B - Payment Schedule: Detailed amortization schedule showing all payment dates, amounts, and allocation between principal and interest

3. Schedule C - Insurance Requirements: Detailed specifications of required insurance coverage and terms

4. Appendix 1 - Vehicle Inspection Report: Third-party inspection report documenting the vehicle's condition at time of agreement

5. Appendix 2 - Vehicle Registration Documents: Copies of current vehicle registration and title documents