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1. Early Payment Provisions: Terms for early payoff of the vehicle, including any applicable discounts or penalties

2. Vehicle Maintenance Requirements: Specific maintenance obligations during the payment period, used when the seller retains title until full payment

3. Security Interest: Details of any additional security required beyond the vehicle itself

4. Co-Signer Provisions: Terms applicable when a co-signer is involved in guaranteeing payments

5. Refinancing Options: Terms for potential refinancing of the remaining balance

6. Vehicle Use Restrictions: Specific restrictions on vehicle use during the payment period

7. Cross-Border Usage: Terms for using the vehicle outside Nigeria, if permitted

1. Schedule A - Vehicle Specification: Detailed technical specifications of the vehicle including all features and modifications

2. Schedule B - Payment Schedule: Detailed amortization schedule showing all payment dates, amounts, and interest portions

3. Schedule C - Vehicle Inspection Report: Pre-contract vehicle inspection details and noted defects or issues

4. Schedule D - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements

5. Appendix 1 - Vehicle Documents: Copies of vehicle registration, roadworthiness certificate, and other relevant documents

6. Appendix 2 - Required Maintenance Schedule: Manufacturer's recommended maintenance schedule and requirements