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1. Security: Required when the loan is secured against assets or property

2. Guarantor Provisions: Required when there is a guarantor for the loan

3. Insurance Requirements: Include when specific insurance coverage is required for secured assets

4. Early Repayment: Details early repayment terms and any associated fees when early repayment is permitted

5. Draw Down Conditions: Required for loans with multiple draw downs or specific conditions for access to funds

6. Special Conditions: Include when there are unique terms specific to this loan arrangement

7. Assignment and Transfer: Include when either party may need to transfer their rights or obligations

8. Co-Borrower Provisions: Required when there are multiple borrowers

1. Schedule 1 - Loan Details: Key financial terms including loan amount, interest rate, payment schedule, and fees

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

3. Schedule 3 - Security Details: Description of any assets provided as security (if applicable)

4. Schedule 4 - Fee Schedule: Comprehensive list of all fees and charges as required by CCCFA

5. Schedule 5 - Disclosure Statement: Initial disclosure information required under NZ consumer credit law

6. Appendix A - Direct Debit Authority: Form for setting up automatic payments if required

7. Appendix B - Guarantor Acknowledgment: Required documentation for guarantors if applicable