National Consumer Credit Protection Act 2009

Credit Guide and Quote

This document provides information about the services we provide. We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking.

Credit Guide

This combined Credit Guide and Quote for our services outlines our obligations to you and acknowledges your right to ask us about our services. The services that we provide are to assist you to choose a loan which is suitable for your purposes. The information that we will provide includes; who we deal with, our responsible lending obligations, the costs you may incur in completing a transaction, information on the commissions that may be paid to us and the commissions that we may pay to third parties.

This document also provides direction if you are dissatisfied and have a complaint about the services we have provided.

Our Responsible Lending Obligations

It is our duty to have a reasonable knowledge of your current financial situation, financial objectives and borrowing needs before we can provide credit assistance that meets your requirements.

As a credit licensee we and our representatives are required to:

• Make reasonable inquiries about your requirements and objectives;
• Make reasonable inquiries about your financial situation;
• Take reasonable steps to verify your financial situation;
• Make a preliminary assessment about whether the requested credit facility is 'not unsuitable' for you based on the inquiries and information obtained in the first three steps above.

From the date that we provide a quote to you for the purpose of credit assistance, you can request a written copy of the preliminary assessment which will be provided free of charge. This request can be made at any time up to 7 years after we have provided our quote for credit assistance. When the request is made within 2 years of the date we provided the quote for credit assistance we will give you the preliminary assessment within 7 business days of the date of the request. Otherwise we will give you the preliminary assessment within 21 business days of the date of the request.

When we cannot provide credit assistance

We are prohibited by law from providing credit assistance that does not meet your requirements or objectives and/or where you could only comply with your financial obligations under the requested credit facility with substantial hardship or where other circumstances would make the requested credit facility unsuitable for you

Our Panel of Lenders

Through an aggregator, we source finance from a panel of lenders. Our aggregator is an associated company National Finance Choice Pty Ltd ABN 95 156 544 464 ("Aggregator"). The lenders named below are the six with whom we conduct the most business.

Pepper Money, Now Finance, Money Me, Latitude Financial Services, Plenti Finance Pty Limited, and WISR.

Commissions that will or maybe received by Us

Commission may be paid by the Credit Provider, to us or any Aggregator we use, after settlement of the proposed credit facility. Such commissions may be subject to a range of variables including the $ amount of your credit facility, the term of your credit facility, the interest rate at which the Credit Provider is prepared to provide the credit facility and the total amount of business (generally referred to as a Volume Bonus Commission) that we place with the Credit Provider in a given period or promotional period.

Commission payable to us is paid by the Credit Provider and does not influence your repayment to the Credit Provider at the interest rate quoted over the approved term.

Please contact us if you have any questions about the credit contract or the fees, charges and commissions that may be payable if you enter into the credit contract. You may, on request, obtain a reasonable estimate of those commissions and how the commission is worked out.

Commissions we will or may pay to a third party

We source referrals from a broad range of sources. For example, we may pay fees to motor dealers, suppliers, real estate agents, or accountants for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is worked out.

Dispute Resolution

Our goal is 100% customer satisfaction so if we fall short of this, we want to know. We understand that sometimes things can go wrong and you may feel the need to make a complaint. To help you do this we have developed an Internal Dispute Resolution process and are members of an External Dispute Resolution service. The External Dispute Resolution is a service that you can access if we do not reach agreement on your complaint. These services are free of charge.

Making a Complaint - Internal Dispute Resolution:

You can lodge a complaint verbally or in writing:

How will your complaint be handled?

The person who receives your complaint;

Will document your concerns
Record your complaint in the Complaints Registers
Escalate your complaint to our Internal Disputes Officer

The Internal Disputes Officer will;

Contact you about your complaint
Give you an estimate of when you can expect a decision
Investigate your complaint
Advise you of the decision and the reasons for the decision on your complaint.

Making a Complaint - External Dispute Resolution:

If we do not reach agreement on your complaint, you may refer the complaint to our free External Dispute Resolution service for an independent review. Our external dispute resolution provider is specified below.

Australian Financial Complaints Authority Limited ("AFCA")
GPO Box 3, Melbourne Vic 3001
Telephone: 1800 931 678
Emails: info@afca.org.au

QUOTE:

This quote is for assisting you to obtain a credit facility not unsuitable to your needs.

Questions

If you have any questions about this credit guide and quote or anything else about our services, just ask at any time. We're here to help you

Please note we do not charge any upfront fees

No fees are payable to us if you do not enter the loan contract even after an approval has been obtained.
If we successfully obtain an approval for the loan you require and the loan settles you must pay us a fee for our services. This fee will be included in the loan amount and will not exceed a maximum amount of $1980.00 (including GST) We may also receive commissions from the lenders. This is not payable by you. You can obtain information from us about a reasonable estimate of those commissions if applicable and how they are calculated.

Acknowledgement and Agreement: