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1. Prepayment Rights: Terms allowing early payment of the note, including any prepayment penalties or benefits

2. Late Payment Provisions: Additional fees or interest for late payments

3. Collection Costs: Responsibility for costs of collection in case of default

4. Transfer and Assignment: Rights to transfer or assign the note to another party

5. Governing Law and Jurisdiction: Specify applicable Nigerian law and jurisdiction for disputes

6. Notice Requirements: How and where notices between parties must be delivered

7. Severability: Provision ensuring remainder of note remains valid if any part is found unenforceable

1. Schedule A - Vehicle Description: Detailed description of the vehicle including all specifications, conditions, and modifications

2. Schedule B - Payment Schedule: Amortization schedule showing all payment dates, amounts, and interest calculations

3. Schedule C - Insurance Requirements: Specific insurance requirements including types of coverage and minimum amounts

4. Appendix 1 - Vehicle Registration Documents: Copies of vehicle registration and title documents

5. Appendix 2 - Vehicle Inspection Report: Recent vehicle inspection report confirming condition at time of note execution