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1. Insurance Requirements: Required when credit products must be insured or insurance is offered as part of the service

2. Online Services: Include when digital or online credit services are provided

3. Reward Programs: Include when the credit service includes loyalty or reward features

4. Joint Accounts: Required when services can be provided to joint account holders

5. International Services: Include for credit services involving cross-border transactions

6. Special Promotions: Include when promotional rates or terms may be offered

7. Merchant Services: Required when agreement includes point-of-sale or merchant credit services

8. Credit Counseling: Include when provider offers credit counseling or financial advisory services

1. Schedule A - Fee Schedule: Detailed breakdown of all fees, charges, and interest rates

2. Schedule B - Interest Rate Calculation: Detailed explanation of interest calculation methods

3. Schedule C - Required Disclosures: Mandatory regulatory disclosures as required by federal and provincial law

4. Schedule D - Security Agreement: Detailed terms of any security or collateral arrangements

5. Schedule E - Privacy Policy: Detailed privacy and data protection policies

6. Schedule F - Service Level Standards: Detailed service standards and performance metrics

7. Appendix 1 - Application Form: Standard credit application form and required documentation

8. Appendix 2 - Consumer Rights Notice: Mandatory notice of consumer rights under applicable laws