¶¶Òõ¶ÌÊÓƵ

1. Security: Required when the credit is secured against any assets or requires guarantees

2. Insurance: Included when insurance is required or offered as part of the credit agreement

3. Data Protection: Detailed section on data processing when extensive personal data processing is involved

4. Electronic Communications: Added when parties agree to use electronic communications for notices and statements

5. Complaints Procedure: Detailed complaints handling process when required by business policy or regulatory requirements

6. Assignment: Included when the credit provider wants the right to assign the agreement to third parties

7. Connected Goods or Services: Required when the credit is tied to specific goods or services

1. Schedule 1 - Payment Schedule: Detailed breakdown of payment amounts and due dates

2. Schedule 2 - Interest Rate Calculations: Methodology for calculating interest and detailed examples

3. Schedule 3 - Fees and Charges: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Standard European Consumer Credit Information: Mandatory pre-contractual information in standard European format

5. Schedule 5 - Connected Goods or Services: Details of any goods or services to which the credit relates

6. Appendix A - Direct Debit Mandate: Standard form for setting up direct debit payments

7. Appendix B - Withdrawal Form: Standard form for exercising right of withdrawal