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1. Security Arrangements: Details of any collateral or security provided for the loan - include when the loan is secured

2. Guarantor Provisions: Terms relating to any guarantor of the loan - include when there is a guarantor

3. Early Repayment: Terms and conditions for early loan repayment - include when early repayment is allowed

4. Insurance Requirements: Mandatory insurance requirements - include when specific insurance is required

5. Assignment and Transfer: Terms for transferring or assigning rights under the agreement - include when transfer rights are granted

6. Electronic Communications: Provisions for electronic notices and communications - include when parties agree to electronic communication

7. Credit Check Authorization: Terms allowing periodic credit checks - include when ongoing credit monitoring is required

1. Schedule 1: Loan Terms: Detailed breakdown of loan amount, interest rate, term, and payment schedule

2. Schedule 2: Repayment Schedule: Detailed amortization schedule showing payment dates and amounts

3. Schedule 3: Fee Structure: Comprehensive list of all applicable fees and charges

4. Schedule 4: KYC Documentation: List of required Know Your Customer documents provided by the Borrower

5. Schedule 5: Security Details: Details of any security or collateral provided (if applicable)

6. Appendix A: Disclosure Statement: Mandatory National Credit Act pre-agreement disclosure statement

7. Appendix B: Direct Debit Authorization: Authorization for automatic payment deductions (if applicable)