{"id":3814,"date":"2022-11-06T14:47:49","date_gmt":"2022-11-06T04:47:49","guid":{"rendered":"http:\/\/www.mworks.com.au\/RSU\/?page_id=3814"},"modified":"2023-08-17T15:29:21","modified_gmt":"2023-08-17T05:29:21","slug":"client-information-brief","status":"publish","type":"page","link":"https:\/\/www.mworks.com.au\/RSU\/client-information-brief\/","title":{"rendered":"Client Information Brief"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3814\" class=\"elementor elementor-3814\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b3f599 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"4b3f599\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e71c2b3 animated-slow elementor-invisible\" data-id=\"e71c2b3\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39ce792 elementor-widget elementor-widget-heading\" data-id=\"39ce792\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">APPLICATIONS<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d52ab76 elementor-widget elementor-widget-heading\" data-id=\"d52ab76\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Client Information Brief<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f107196 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f107196\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94eb843\" data-id=\"94eb843\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-998e25d elementor-widget elementor-widget-shortcode\" data-id=\"998e25d\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_1' style='display:none'><div id='gf_1' class='gform_anchor' tabindex='-1'><\/div>\n                        <div class='gform_heading'>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_1' id='gform_1'  action='\/RSU\/wp-json\/wp\/v2\/pages\/3814#gf_1' data-formid='1' novalidate>\n        <div id='gf_progressbar_wrapper_1' class='gf_progressbar_wrapper' data-start-at-zero=''>\n        \t<p class=\"gf_progressbar_title\">Step <span class='gf_step_current_page'>1<\/span> of <span class='gf_step_page_count'>5<\/span><span class='gf_step_page_name'> - Applicant Details<\/span>\n        \t<\/p>\n            <div class='gf_progressbar gf_progressbar_custom' aria-hidden='true'>\n                <div class='gf_progressbar_percentage percentbar_custom percentbar_20' style='width:20%; color:#fff; background-color:#000;'><span>20%<\/span><\/div>\n            <\/div><\/div>\n                        <div class='gform-body gform_body'><div id='gform_page_1_1' class='gform_page ' data-js='page-field-id-0' >\n\t\t\t\t\t<div class='gform_page_fields'><div id='gform_fields_1' class='gform_fields top_label form_sublabel_below description_below validation_below'><fieldset id=\"field_1_13\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >How many applicants will be on this application?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_13'>\n\t\t\t<div class='gchoice gchoice_1_13_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_13' type='radio' value='1'  id='choice_1_13_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_13_0' id='label_1_13_0' class='gform-field-label gform-field-label--type-inline'>1<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_13_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_13' type='radio' value='2'  id='choice_1_13_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_13_1' id='label_1_13_1' class='gform-field-label gform-field-label--type-inline'>2<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_224\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Is this application on behalf of a company or trust?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_224'>\n\t\t\t<div class='gchoice gchoice_1_224_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_224' type='radio' value='Yes'  id='choice_1_224_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_224_0' id='label_1_224_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_224_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_224' type='radio' value='No'  id='choice_1_224_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_224_1' id='label_1_224_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_223\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_1_223'>Broker<\/label><div class='ginput_container ginput_container_text'><input name='input_223' id='input_1_223' type='text' value='' class='small'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_269\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_1_269'>Broker email<\/label><div class='ginput_container ginput_container_text'><input name='input_269' id='input_1_269' type='text' value='' class='small'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_270\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_1_270'>creditguide<\/label><div class='ginput_container ginput_container_text'><input name='input_270' id='input_1_270' type='text' value='' class='small'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_226\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_226'>Company\/Trust Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_226' id='input_1_226' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_227\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_227'>ABN\/ACN<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_227' id='input_1_227' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_1\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Applicant 1 Contact Details<\/h3><\/div><fieldset id=\"field_1_3\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Full Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name has_middle_name has_last_name no_suffix gf_name_has_3 ginput_container_name gform-grid-row' id='input_1_3'>\n                            \n                            <span id='input_1_3_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_3.3' id='input_1_3_3' value=''   aria-required='true'     \/>\n                                                    <label for='input_1_3_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            <span id='input_1_3_4_container' class='name_middle gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_3.4' id='input_1_3_4' value=''   aria-required='false'     \/>\n                                                    <label for='input_1_3_4' class='gform-field-label gform-field-label--type-sub '>Middle<\/label>\n                                                <\/span>\n                            <span id='input_1_3_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_3.6' id='input_1_3_6' value=''   aria-required='true'     \/>\n                                                    <label for='input_1_3_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><fieldset id=\"field_1_291\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Date of birth<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_291' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_291_2_container'>\n                                            <input type='number' maxlength='2' name='input_291[]' id='input_1_291_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_291_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_291_1_container'>\n                                        <input type='number' maxlength='2' name='input_291[]' id='input_1_291_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_291_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_291_3_container'>\n                                        <input type='number' maxlength='4' name='input_291[]' id='input_1_291_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_291_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_8\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_8'>Mobile Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_8' id='input_1_8' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"tel\" \/><\/div><\/div><fieldset id=\"field_1_12\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container_email gform-grid-row' id='input_1_12_container'>\n                                <span id='input_1_12_1_container' class='ginput_left gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_12' id='input_1_12' value=''    aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"email\"\/>\n                                    <label for='input_1_12' class='gform-field-label gform-field-label--type-sub '>Enter Email<\/label>\n                                <\/span>\n                                <span id='input_1_12_2_container' class='ginput_right gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_12_2' id='input_1_12_2' value=''    aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"email\"\/>\n                                    <label for='input_1_12_2' class='gform-field-label gform-field-label--type-sub '>Confirm Email<\/label>\n                                <\/span>\n                                <div class='gf_clear gf_clear_complex'><\/div>\n                            <\/div><\/fieldset><div id=\"field_1_19\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_19'>Mother&#039;s Maiden Name<\/label><div class='ginput_container ginput_container_text'><input name='input_19' id='input_1_19' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><fieldset id=\"field_1_17\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Current Living Situation<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_17'>\n\t\t\t<div class='gchoice gchoice_1_17_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Renting'  id='choice_1_17_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_0' id='label_1_17_0' class='gform-field-label gform-field-label--type-inline'>Renting<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_17_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='With Parents'  id='choice_1_17_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_1' id='label_1_17_1' class='gform-field-label gform-field-label--type-inline'>With Parents<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_17_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Boarding'  id='choice_1_17_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_2' id='label_1_17_2' class='gform-field-label gform-field-label--type-inline'>Boarding<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_17_3'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Own Home (mortgage)'  id='choice_1_17_3' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_3' id='label_1_17_3' class='gform-field-label gform-field-label--type-inline'>Own Home (mortgage)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_17_4'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Own Home (outright)'  id='choice_1_17_4' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_4' id='label_1_17_4' class='gform-field-label gform-field-label--type-inline'>Own Home (outright)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_17_5'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='gf_other_choice'  id='choice_1_17_5' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_5' id='label_1_17_5' class='gform-field-label gform-field-label--type-inline'>Other<\/label><br \/><input id='input_1_17_other' class='gchoice_other_control' name='input_17_other' type='text' value='Other' aria-label='Other Choice, please specify'  disabled='disabled' \/>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_18\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Current Home Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_18' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_18_1_container' >\n                                        <input type='text' name='input_18.1' id='input_1_18_1' value=''    aria-required='true'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_18_1' id='input_1_18_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_18_2_container' >\n                                        <input type='text' name='input_18.2' id='input_1_18_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_18_2' id='input_1_18_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_18_3_container' >\n                                    <input type='text' name='input_18.3' id='input_1_18_3' value=''    aria-required='true'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_18_3' id='input_1_18_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_18_4_container' >\n                                        <input type='text' name='input_18.4' id='input_1_18_4' value=''      aria-required='true'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_18_4' id='input_1_18_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_18_5_container' >\n                                    <input type='text' name='input_18.5' id='input_1_18_5' value=''    aria-required='true'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_18_5' id='input_1_18_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_18_6_container' >\n                                        <select name='input_18.6' id='input_1_18_6'   aria-required='true'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_18_6' id='input_1_18_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><div id=\"field_1_221\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_221'>How long have you been at this address?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_221' id='input_1_221' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Less than 1 year' >Less than 1 year<\/option><option value='1 year' >1 year<\/option><option value='2 years' >2 years<\/option><option value='3 years +' >3 years +<\/option><\/select><\/div><\/div><fieldset id=\"field_1_278\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Move in Date<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_278' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_278_2_container'>\n                                            <input type='number' maxlength='2' name='input_278[]' id='input_1_278_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_278_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_278_1_container'>\n                                        <input type='number' maxlength='2' name='input_278[]' id='input_1_278_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_278_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_278_3_container'>\n                                        <input type='number' maxlength='4' name='input_278[]' id='input_1_278_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_278_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><fieldset id=\"field_1_9\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Previous Address (if less than 3 years at current address)<\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_9' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_9_1_container' >\n                                        <input type='text' name='input_9.1' id='input_1_9_1' value=''    aria-required='false'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_9_1' id='input_1_9_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_9_2_container' >\n                                        <input type='text' name='input_9.2' id='input_1_9_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_9_2' id='input_1_9_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_9_3_container' >\n                                    <input type='text' name='input_9.3' id='input_1_9_3' value=''    aria-required='false'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_9_3' id='input_1_9_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_9_4_container' >\n                                        <input type='text' name='input_9.4' id='input_1_9_4' value=''      aria-required='false'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_9_4' id='input_1_9_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_9_5_container' >\n                                    <input type='text' name='input_9.5' id='input_1_9_5' value=''    aria-required='false'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_9_5' id='input_1_9_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_9_6_container' >\n                                        <select name='input_9.6' id='input_1_9_6'   aria-required='false'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_9_6' id='input_1_9_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_1_279\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Move in Date<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_279' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_279_2_container'>\n                                            <input type='number' maxlength='2' name='input_279[]' id='input_1_279_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_279_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_279_1_container'>\n                                        <input type='number' maxlength='2' name='input_279[]' id='input_1_279_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_279_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_279_3_container'>\n                                        <input type='number' maxlength='4' name='input_279[]' id='input_1_279_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_279_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_14\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Applicant 2 Contact Details<\/h3><\/div><fieldset id=\"field_1_40\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Full Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name has_middle_name has_last_name no_suffix gf_name_has_3 ginput_container_name gform-grid-row' id='input_1_40'>\n                            \n                            <span id='input_1_40_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_40.3' id='input_1_40_3' value=''   aria-required='true'    autocomplete=\"given-name\" \/>\n                                                    <label for='input_1_40_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            <span id='input_1_40_4_container' class='name_middle gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_40.4' id='input_1_40_4' value=''   aria-required='false'    autocomplete=\"additional-name\" \/>\n                                                    <label for='input_1_40_4' class='gform-field-label gform-field-label--type-sub '>Middle<\/label>\n                                                <\/span>\n                            <span id='input_1_40_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_40.6' id='input_1_40_6' value=''   aria-required='true'    autocomplete=\"family-name\" \/>\n                                                    <label for='input_1_40_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><fieldset id=\"field_1_292\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Date of Birth<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_292' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_292_2_container'>\n                                            <input type='number' maxlength='2' name='input_292[]' id='input_1_292_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_292_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_292_1_container'>\n                                        <input type='number' maxlength='2' name='input_292[]' id='input_1_292_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_292_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_292_3_container'>\n                                        <input type='number' maxlength='4' name='input_292[]' id='input_1_292_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_292_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_37\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_37'>Mobile Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_37' id='input_1_37' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"tel\" \/><\/div><\/div><fieldset id=\"field_1_34\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container_email gform-grid-row' id='input_1_34_container'>\n                                <span id='input_1_34_1_container' class='ginput_left gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_34' id='input_1_34' value=''    aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"email\"\/>\n                                    <label for='input_1_34' class='gform-field-label gform-field-label--type-sub '>Enter Email<\/label>\n                                <\/span>\n                                <span id='input_1_34_2_container' class='ginput_right gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_34_2' id='input_1_34_2' value=''    aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"email\"\/>\n                                    <label for='input_1_34_2' class='gform-field-label gform-field-label--type-sub '>Confirm Email<\/label>\n                                <\/span>\n                                <div class='gf_clear gf_clear_complex'><\/div>\n                            <\/div><\/fieldset><div id=\"field_1_21\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_21'>Mother&#039;s Maiden Name<\/label><div class='ginput_container ginput_container_text'><input name='input_21' id='input_1_21' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><fieldset id=\"field_1_25\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Current Living Situation<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_25'>\n\t\t\t<div class='gchoice gchoice_1_25_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_25' type='radio' value='Renting'  id='choice_1_25_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_25_0' id='label_1_25_0' class='gform-field-label gform-field-label--type-inline'>Renting<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_25_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_25' type='radio' value='With Parents'  id='choice_1_25_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_25_1' id='label_1_25_1' class='gform-field-label gform-field-label--type-inline'>With Parents<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_25_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_25' type='radio' value='Boarding'  id='choice_1_25_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_25_2' id='label_1_25_2' class='gform-field-label gform-field-label--type-inline'>Boarding<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_25_3'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_25' type='radio' value='Own Home (mortgage)'  id='choice_1_25_3' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_25_3' id='label_1_25_3' class='gform-field-label gform-field-label--type-inline'>Own Home (mortgage)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_25_4'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_25' type='radio' value='Own Home (outright)'  id='choice_1_25_4' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_25_4' id='label_1_25_4' class='gform-field-label gform-field-label--type-inline'>Own Home (outright)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_25_5'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_25' type='radio' value='gf_other_choice'  id='choice_1_25_5' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_25_5' id='label_1_25_5' class='gform-field-label gform-field-label--type-inline'>Other<\/label><br \/><input id='input_1_25_other' class='gchoice_other_control' name='input_25_other' type='text' value='Other' aria-label='Other Choice, please specify'  disabled='disabled' \/>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_28\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Current Home Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_28' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_28_1_container' >\n                                        <input type='text' name='input_28.1' id='input_1_28_1' value=''    aria-required='true'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_28_1' id='input_1_28_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_28_2_container' >\n                                        <input type='text' name='input_28.2' id='input_1_28_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_28_2' id='input_1_28_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_28_3_container' >\n                                    <input type='text' name='input_28.3' id='input_1_28_3' value=''    aria-required='true'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_28_3' id='input_1_28_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_28_4_container' >\n                                        <input type='text' name='input_28.4' id='input_1_28_4' value=''      aria-required='true'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_28_4' id='input_1_28_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_28_5_container' >\n                                    <input type='text' name='input_28.5' id='input_1_28_5' value=''    aria-required='true'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_28_5' id='input_1_28_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_28_6_container' >\n                                        <select name='input_28.6' id='input_1_28_6'   aria-required='true'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_28_6' id='input_1_28_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><div id=\"field_1_222\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_222'>How long have you been at this address?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_222' id='input_1_222' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Less than 1 year' >Less than 1 year<\/option><option value='1 year' >1 year<\/option><option value='2 years' >2 years<\/option><option value='3 years +' >3 years +<\/option><\/select><\/div><\/div><fieldset id=\"field_1_280\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Move in Date<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_280' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_280_2_container'>\n                                            <input type='number' maxlength='2' name='input_280[]' id='input_1_280_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_280_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_280_1_container'>\n                                        <input type='number' maxlength='2' name='input_280[]' id='input_1_280_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_280_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_280_3_container'>\n                                        <input type='number' maxlength='4' name='input_280[]' id='input_1_280_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_280_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><fieldset id=\"field_1_31\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Previous Address (if less than 3 years at current address)<\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_31' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_31_1_container' >\n                                        <input type='text' name='input_31.1' id='input_1_31_1' value=''    aria-required='false'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_31_1' id='input_1_31_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_31_2_container' >\n                                        <input type='text' name='input_31.2' id='input_1_31_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_31_2' id='input_1_31_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_31_3_container' >\n                                    <input type='text' name='input_31.3' id='input_1_31_3' value=''    aria-required='false'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_31_3' id='input_1_31_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_31_4_container' >\n                                        <input type='text' name='input_31.4' id='input_1_31_4' value=''      aria-required='false'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_31_4' id='input_1_31_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_31_5_container' >\n                                    <input type='text' name='input_31.5' id='input_1_31_5' value=''    aria-required='false'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_31_5' id='input_1_31_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_31_6_container' >\n                                        <select name='input_31.6' id='input_1_31_6'   aria-required='false'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_31_6' id='input_1_31_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_1_281\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Move in Date<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_281' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_281_2_container'>\n                                            <input type='number' maxlength='2' name='input_281[]' id='input_1_281_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_281_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_281_1_container'>\n                                        <input type='number' maxlength='2' name='input_281[]' id='input_1_281_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_281_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_281_3_container'>\n                                        <input type='number' maxlength='4' name='input_281[]' id='input_1_281_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_281_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_194\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Applicant 3 Contact Details<\/h3><\/div><fieldset id=\"field_1_192\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Full Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name has_middle_name has_last_name no_suffix gf_name_has_3 ginput_container_name gform-grid-row' id='input_1_192'>\n                            \n                            <span id='input_1_192_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_192.3' id='input_1_192_3' value=''   aria-required='true'    autocomplete=\"given-name\" \/>\n                                                    <label for='input_1_192_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            <span id='input_1_192_4_container' class='name_middle gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_192.4' id='input_1_192_4' value=''   aria-required='false'    autocomplete=\"additional-name\" \/>\n                                                    <label for='input_1_192_4' class='gform-field-label gform-field-label--type-sub '>Middle<\/label>\n                                                <\/span>\n                            <span id='input_1_192_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_192.6' id='input_1_192_6' value=''   aria-required='true'    autocomplete=\"family-name\" \/>\n                                                    <label for='input_1_192_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_1_187\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_187'>Mobile Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_187' id='input_1_187' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"tel\" \/><\/div><\/div><fieldset id=\"field_1_190\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container_email gform-grid-row' id='input_1_190_container'>\n                                <span id='input_1_190_1_container' class='ginput_left gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_190' id='input_1_190' value=''    aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"email\"\/>\n                                    <label for='input_1_190' class='gform-field-label gform-field-label--type-sub '>Enter Email<\/label>\n                                <\/span>\n                                <span id='input_1_190_2_container' class='ginput_right gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_190_2' id='input_1_190_2' value=''    aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"email\"\/>\n                                    <label for='input_1_190_2' class='gform-field-label gform-field-label--type-sub '>Confirm Email<\/label>\n                                <\/span>\n                                <div class='gf_clear gf_clear_complex'><\/div>\n                            <\/div><\/fieldset><fieldset id=\"field_1_184\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Current Home Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_184' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_184_1_container' >\n                                        <input type='text' name='input_184.1' id='input_1_184_1' value=''    aria-required='true'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_184_1' id='input_1_184_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_184_2_container' >\n                                        <input type='text' name='input_184.2' id='input_1_184_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_184_2' id='input_1_184_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_184_3_container' >\n                                    <input type='text' name='input_184.3' id='input_1_184_3' value=''    aria-required='true'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_184_3' id='input_1_184_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_184_4_container' >\n                                        <input type='text' name='input_184.4' id='input_1_184_4' value=''      aria-required='true'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_184_4' id='input_1_184_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_184_5_container' >\n                                    <input type='text' name='input_184.5' id='input_1_184_5' value=''    aria-required='true'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_184_5' id='input_1_184_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_184_6_container' >\n                                        <select name='input_184.6' id='input_1_184_6'   aria-required='true'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_184_6' id='input_1_184_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_1_186\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Previous Address (if less than 3 years at current address)<\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_186' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_186_1_container' >\n                                        <input type='text' name='input_186.1' id='input_1_186_1' value=''    aria-required='false'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_186_1' id='input_1_186_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_186_2_container' >\n                                        <input type='text' name='input_186.2' id='input_1_186_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_186_2' id='input_1_186_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_186_3_container' >\n                                    <input type='text' name='input_186.3' id='input_1_186_3' value=''    aria-required='false'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_186_3' id='input_1_186_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_186_4_container' >\n                                        <input type='text' name='input_186.4' id='input_1_186_4' value=''      aria-required='false'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_186_4' id='input_1_186_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_186_5_container' >\n                                    <input type='text' name='input_186.5' id='input_1_186_5' value=''    aria-required='false'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_186_5' id='input_1_186_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_186_6_container' >\n                                        <select name='input_186.6' id='input_1_186_6'   aria-required='false'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_186_6' id='input_1_186_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_1_182\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Current Living Situation<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_182'>\n\t\t\t<div class='gchoice gchoice_1_182_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_182' type='radio' value='Renting'  id='choice_1_182_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_182_0' id='label_1_182_0' class='gform-field-label gform-field-label--type-inline'>Renting<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_182_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_182' type='radio' value='With Parents'  id='choice_1_182_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_182_1' id='label_1_182_1' class='gform-field-label gform-field-label--type-inline'>With Parents<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_182_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_182' type='radio' value='Boarding'  id='choice_1_182_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_182_2' id='label_1_182_2' class='gform-field-label gform-field-label--type-inline'>Boarding<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_182_3'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_182' type='radio' value='Own Home (mortgage)'  id='choice_1_182_3' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_182_3' id='label_1_182_3' class='gform-field-label gform-field-label--type-inline'>Own Home (mortgage)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_182_4'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_182' type='radio' value='Own Home (outright)'  id='choice_1_182_4' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_182_4' id='label_1_182_4' class='gform-field-label gform-field-label--type-inline'>Own Home (outright)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_182_5'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_182' type='radio' value='gf_other_choice'  id='choice_1_182_5' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_182_5' id='label_1_182_5' class='gform-field-label gform-field-label--type-inline'>Other<\/label><br \/><input id='input_1_182_other' class='gchoice_other_control' name='input_182_other' type='text' value='Other' aria-label='Other Choice, please specify'  disabled='disabled' \/>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_180\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_180'>Mother&#039;s Maiden Name<\/label><div class='ginput_container ginput_container_text'><input name='input_180' id='input_1_180' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_193\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Applicant 4 Contact Details<\/h3><\/div><fieldset id=\"field_1_191\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Full Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name has_middle_name has_last_name no_suffix gf_name_has_3 ginput_container_name gform-grid-row' id='input_1_191'>\n                            \n                            <span id='input_1_191_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_191.3' id='input_1_191_3' value=''   aria-required='true'    autocomplete=\"given-name\" \/>\n                                                    <label for='input_1_191_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            <span id='input_1_191_4_container' class='name_middle gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_191.4' id='input_1_191_4' value=''   aria-required='false'    autocomplete=\"additional-name\" \/>\n                                                    <label for='input_1_191_4' class='gform-field-label gform-field-label--type-sub '>Middle<\/label>\n                                                <\/span>\n                            <span id='input_1_191_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_191.6' id='input_1_191_6' value=''   aria-required='true'    autocomplete=\"family-name\" \/>\n                                                    <label for='input_1_191_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><fieldset id=\"field_1_189\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container_email gform-grid-row' id='input_1_189_container'>\n                                <span id='input_1_189_1_container' class='ginput_left gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_189' id='input_1_189' value=''    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                                    <label for='input_1_189' class='gform-field-label gform-field-label--type-sub '>Enter Email<\/label>\n                                <\/span>\n                                <span id='input_1_189_2_container' class='ginput_right gform-grid-col gform-grid-col--size-auto'>\n                                    <input class='' type='email' name='input_189_2' id='input_1_189_2' value=''    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                                    <label for='input_1_189_2' class='gform-field-label gform-field-label--type-sub '>Confirm Email<\/label>\n                                <\/span>\n                                <div class='gf_clear gf_clear_complex'><\/div>\n                            <\/div><\/fieldset><div id=\"field_1_188\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_188'>Mobile Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_188' id='input_1_188' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"  autocomplete=\"tel\" \/><\/div><\/div><fieldset id=\"field_1_183\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Current Home Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_183' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_183_1_container' >\n                                        <input type='text' name='input_183.1' id='input_1_183_1' value=''    aria-required='true'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_183_1' id='input_1_183_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_183_2_container' >\n                                        <input type='text' name='input_183.2' id='input_1_183_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_183_2' id='input_1_183_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_183_3_container' >\n                                    <input type='text' name='input_183.3' id='input_1_183_3' value=''    aria-required='true'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_183_3' id='input_1_183_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_183_4_container' >\n                                        <input type='text' name='input_183.4' id='input_1_183_4' value=''      aria-required='true'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_183_4' id='input_1_183_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_183_5_container' >\n                                    <input type='text' name='input_183.5' id='input_1_183_5' value=''    aria-required='true'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_183_5' id='input_1_183_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_183_6_container' >\n                                        <select name='input_183.6' id='input_1_183_6'   aria-required='true'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_183_6' id='input_1_183_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_1_185\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Previous Address (if less than 3 years at current address)<\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_185' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_185_1_container' >\n                                        <input type='text' name='input_185.1' id='input_1_185_1' value=''    aria-required='false'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_1_185_1' id='input_1_185_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_185_2_container' >\n                                        <input type='text' name='input_185.2' id='input_1_185_2' value=''    autocomplete=\"address-line2\" aria-required='false'   \/>\n                                        <label for='input_1_185_2' id='input_1_185_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_185_3_container' >\n                                    <input type='text' name='input_185.3' id='input_1_185_3' value=''    aria-required='false'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_1_185_3' id='input_1_185_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_185_4_container' >\n                                        <input type='text' name='input_185.4' id='input_1_185_4' value=''      aria-required='false'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_1_185_4' id='input_1_185_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_185_5_container' >\n                                    <input type='text' name='input_185.5' id='input_1_185_5' value=''    aria-required='false'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_1_185_5' id='input_1_185_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_185_6_container' >\n                                        <select name='input_185.6' id='input_1_185_6'   aria-required='false'   autocomplete=\"country-name\" ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_185_6' id='input_1_185_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_1_181\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Current Living Situation<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_181'>\n\t\t\t<div class='gchoice gchoice_1_181_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_181' type='radio' value='Renting'  id='choice_1_181_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_181_0' id='label_1_181_0' class='gform-field-label gform-field-label--type-inline'>Renting<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_181_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_181' type='radio' value='With Parents'  id='choice_1_181_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_181_1' id='label_1_181_1' class='gform-field-label gform-field-label--type-inline'>With Parents<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_181_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_181' type='radio' value='Boarding'  id='choice_1_181_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_181_2' id='label_1_181_2' class='gform-field-label gform-field-label--type-inline'>Boarding<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_181_3'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_181' type='radio' value='Own Home (mortgage)'  id='choice_1_181_3' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_181_3' id='label_1_181_3' class='gform-field-label gform-field-label--type-inline'>Own Home (mortgage)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_181_4'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_181' type='radio' value='Own Home (outright)'  id='choice_1_181_4' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_181_4' id='label_1_181_4' class='gform-field-label gform-field-label--type-inline'>Own Home (outright)<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_181_5'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_181' type='radio' value='gf_other_choice'  id='choice_1_181_5' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_181_5' id='label_1_181_5' class='gform-field-label gform-field-label--type-inline'>Other<\/label><br \/><input id='input_1_181_other' class='gchoice_other_control' name='input_181_other' type='text' value='Other' aria-label='Other Choice, please specify'  disabled='disabled' \/>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_179\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_179'>Mother&#039;s Maiden Name<\/label><div class='ginput_container ginput_container_text'><input name='input_179' id='input_1_179' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                         <input type='button' id='gform_next_button_1_41' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next'  \/> <button type='button'  id='gform_save_1_2_link' onclick='gform.submission.handleButtonClick(this);' data-submission-type='save-continue' class='gform_save_link gform-theme-button gform-theme-button--secondary button'  ><svg aria-hidden=\"true\" focusable=\"false\" width=\"16\" height=\"16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0 8a4 4 0 004 4h3v3a1 1 0 102 0v-3h3a4 4 0 100-8 4 4 0 10-8 0 4 4 0 00-4 4zm9 4H7V7.414L5.707 8.707a1 1 0 01-1.414-1.414l3-3a1 1 0 011.414 0l3 3a1 1 0 01-1.414 1.414L9 7.414V12z\" fill=\"#6B7280\"\/><\/svg> Save and Continue Later<\/button>\n                    <\/div>\n                <\/div>\n                <div id='gform_page_1_2' class='gform_page' data-js='page-field-id-41' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_1_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_1_42\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Borrowing Requirements<\/h3><\/div><fieldset id=\"field_1_260\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Are you looking to purchase, refinance or both?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_260'>\n\t\t\t<div class='gchoice gchoice_1_260_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_260' type='radio' value='Purchase'  id='choice_1_260_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_260_0' id='label_1_260_0' class='gform-field-label gform-field-label--type-inline'>Purchase<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_260_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_260' type='radio' value='Refinance'  id='choice_1_260_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_260_1' id='label_1_260_1' class='gform-field-label gform-field-label--type-inline'>Refinance<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_260_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_260' type='radio' value='Both'  id='choice_1_260_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_260_2' id='label_1_260_2' class='gform-field-label gform-field-label--type-inline'>Both<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_264\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_264'>Estimated purchase price or property value $<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_264' id='input_1_264' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_263\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_263'>Estimated loan amount required $<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_263' id='input_1_263' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_44\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Have you purchased property before?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_44'>\n\t\t\t<div class='gchoice gchoice_1_44_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_44' type='radio' value='Yes'  id='choice_1_44_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_44_0' id='label_1_44_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_44_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_44' type='radio' value='No'  id='choice_1_44_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_44_1' id='label_1_44_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_47\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Purchase Information<\/h3><\/div><fieldset id=\"field_1_48\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Are you buying to live in, or as an investment?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_48'>\n\t\t\t<div class='gchoice gchoice_1_48_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_48' type='radio' value='Live in'  id='choice_1_48_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_48_0' id='label_1_48_0' class='gform-field-label gform-field-label--type-inline'>Live in<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_48_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_48' type='radio' value='Investment'  id='choice_1_48_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_48_1' id='label_1_48_1' class='gform-field-label gform-field-label--type-inline'>Investment<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_49\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Have you found a property yet?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_49'>\n\t\t\t<div class='gchoice gchoice_1_49_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_49' type='radio' value='Yes'  id='choice_1_49_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_49_0' id='label_1_49_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_49_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_49' type='radio' value='No'  id='choice_1_49_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_49_1' id='label_1_49_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_50\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_50' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_50_1_container' >\n                                        <input type='text' name='input_50.1' id='input_1_50_1' value=''    aria-required='true'    \/>\n                                        <label for='input_1_50_1' id='input_1_50_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_50_2_container' >\n                                        <input type='text' name='input_50.2' id='input_1_50_2' value=''     aria-required='false'   \/>\n                                        <label for='input_1_50_2' id='input_1_50_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_50_3_container' >\n                                    <input type='text' name='input_50.3' id='input_1_50_3' value=''    aria-required='true'    \/>\n                                    <label for='input_1_50_3' id='input_1_50_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_50_4_container' >\n                                        <input type='text' name='input_50.4' id='input_1_50_4' value=''      aria-required='true'    \/>\n                                        <label for='input_1_50_4' id='input_1_50_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_50_5_container' >\n                                    <input type='text' name='input_50.5' id='input_1_50_5' value=''    aria-required='true'    \/>\n                                    <label for='input_1_50_5' id='input_1_50_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_50_6_container' >\n                                        <select name='input_50.6' id='input_1_50_6'   aria-required='true'    ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_50_6' id='input_1_50_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><div id=\"field_1_174\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_174'>Property Type<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_174' id='input_1_174' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='House' >House<\/option><option value='Unit' >Unit<\/option><option value='Townhouse' >Townhouse<\/option><option value='Commercial' >Commercial<\/option><option value='Other' >Other<\/option><\/select><\/div><\/div><fieldset id=\"field_1_51\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Are you selling a property to assist with this purchase?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_51'>\n\t\t\t<div class='gchoice gchoice_1_51_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_51' type='radio' value='Yes'  id='choice_1_51_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_51_0' id='label_1_51_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_51_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_51' type='radio' value='No'  id='choice_1_51_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_51_1' id='label_1_51_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_52\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_52' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_52_1_container' >\n                                        <input type='text' name='input_52.1' id='input_1_52_1' value=''    aria-required='true'    \/>\n                                        <label for='input_1_52_1' id='input_1_52_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_52_2_container' >\n                                        <input type='text' name='input_52.2' id='input_1_52_2' value=''     aria-required='false'   \/>\n                                        <label for='input_1_52_2' id='input_1_52_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_52_3_container' >\n                                    <input type='text' name='input_52.3' id='input_1_52_3' value=''    aria-required='true'    \/>\n                                    <label for='input_1_52_3' id='input_1_52_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_52_4_container' >\n                                        <input type='text' name='input_52.4' id='input_1_52_4' value=''      aria-required='true'    \/>\n                                        <label for='input_1_52_4' id='input_1_52_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_52_5_container' >\n                                    <input type='text' name='input_52.5' id='input_1_52_5' value=''    aria-required='true'    \/>\n                                    <label for='input_1_52_5' id='input_1_52_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_52_6_container' >\n                                        <select name='input_52.6' id='input_1_52_6'   aria-required='true'    ><option value='' ><\/option><option value='Afghanistan' >Afghanistan<\/option><option value='Albania' >Albania<\/option><option value='Algeria' >Algeria<\/option><option value='American Samoa' >American Samoa<\/option><option value='Andorra' >Andorra<\/option><option value='Angola' >Angola<\/option><option value='Anguilla' >Anguilla<\/option><option value='Antarctica' >Antarctica<\/option><option value='Antigua and Barbuda' >Antigua and Barbuda<\/option><option value='Argentina' >Argentina<\/option><option value='Armenia' >Armenia<\/option><option value='Aruba' >Aruba<\/option><option value='Australia' selected='selected'>Australia<\/option><option value='Austria' >Austria<\/option><option value='Azerbaijan' >Azerbaijan<\/option><option value='Bahamas' >Bahamas<\/option><option value='Bahrain' >Bahrain<\/option><option value='Bangladesh' >Bangladesh<\/option><option value='Barbados' >Barbados<\/option><option value='Belarus' >Belarus<\/option><option value='Belgium' >Belgium<\/option><option value='Belize' >Belize<\/option><option value='Benin' >Benin<\/option><option value='Bermuda' >Bermuda<\/option><option value='Bhutan' >Bhutan<\/option><option value='Bolivia' >Bolivia<\/option><option value='Bonaire, Sint Eustatius and Saba' >Bonaire, Sint Eustatius and Saba<\/option><option value='Bosnia and Herzegovina' >Bosnia and Herzegovina<\/option><option value='Botswana' >Botswana<\/option><option value='Bouvet Island' >Bouvet Island<\/option><option value='Brazil' >Brazil<\/option><option value='British Indian Ocean Territory' >British Indian Ocean Territory<\/option><option value='Brunei Darussalam' >Brunei Darussalam<\/option><option value='Bulgaria' >Bulgaria<\/option><option value='Burkina Faso' >Burkina Faso<\/option><option value='Burundi' >Burundi<\/option><option value='Cambodia' >Cambodia<\/option><option value='Cameroon' >Cameroon<\/option><option value='Canada' >Canada<\/option><option value='Cape Verde' >Cape Verde<\/option><option value='Cayman Islands' >Cayman Islands<\/option><option value='Central African Republic' >Central African Republic<\/option><option value='Chad' >Chad<\/option><option value='Chile' >Chile<\/option><option value='China' >China<\/option><option value='Christmas Island' >Christmas Island<\/option><option value='Cocos Islands' >Cocos Islands<\/option><option value='Colombia' >Colombia<\/option><option value='Comoros' >Comoros<\/option><option value='Congo' >Congo<\/option><option value='Congo, Democratic Republic of the' >Congo, Democratic Republic of the<\/option><option value='Cook Islands' >Cook Islands<\/option><option value='Costa Rica' >Costa Rica<\/option><option value='Croatia' >Croatia<\/option><option value='Cuba' >Cuba<\/option><option value='Cura\u00e7ao' >Cura\u00e7ao<\/option><option value='Cyprus' >Cyprus<\/option><option value='Czechia' >Czechia<\/option><option value='C\u00f4te d&#039;Ivoire' >C\u00f4te d&#039;Ivoire<\/option><option value='Denmark' >Denmark<\/option><option value='Djibouti' >Djibouti<\/option><option value='Dominica' >Dominica<\/option><option value='Dominican Republic' >Dominican Republic<\/option><option value='Ecuador' >Ecuador<\/option><option value='Egypt' >Egypt<\/option><option value='El Salvador' >El Salvador<\/option><option value='Equatorial Guinea' >Equatorial Guinea<\/option><option value='Eritrea' >Eritrea<\/option><option value='Estonia' >Estonia<\/option><option value='Eswatini' >Eswatini<\/option><option value='Ethiopia' >Ethiopia<\/option><option value='Falkland Islands' >Falkland Islands<\/option><option value='Faroe Islands' >Faroe Islands<\/option><option value='Fiji' >Fiji<\/option><option value='Finland' >Finland<\/option><option value='France' >France<\/option><option value='French Guiana' >French Guiana<\/option><option value='French Polynesia' >French Polynesia<\/option><option value='French Southern Territories' >French Southern Territories<\/option><option value='Gabon' >Gabon<\/option><option value='Gambia' >Gambia<\/option><option value='Georgia' >Georgia<\/option><option value='Germany' >Germany<\/option><option value='Ghana' >Ghana<\/option><option value='Gibraltar' >Gibraltar<\/option><option value='Greece' >Greece<\/option><option value='Greenland' >Greenland<\/option><option value='Grenada' >Grenada<\/option><option value='Guadeloupe' >Guadeloupe<\/option><option value='Guam' >Guam<\/option><option value='Guatemala' >Guatemala<\/option><option value='Guernsey' >Guernsey<\/option><option value='Guinea' >Guinea<\/option><option value='Guinea-Bissau' >Guinea-Bissau<\/option><option value='Guyana' >Guyana<\/option><option value='Haiti' >Haiti<\/option><option value='Heard Island and McDonald Islands' >Heard Island and McDonald Islands<\/option><option value='Holy See' >Holy See<\/option><option value='Honduras' >Honduras<\/option><option value='Hong Kong' >Hong Kong<\/option><option value='Hungary' >Hungary<\/option><option value='Iceland' >Iceland<\/option><option value='India' >India<\/option><option value='Indonesia' >Indonesia<\/option><option value='Iran' >Iran<\/option><option value='Iraq' >Iraq<\/option><option value='Ireland' >Ireland<\/option><option value='Isle of Man' >Isle of Man<\/option><option value='Israel' >Israel<\/option><option value='Italy' >Italy<\/option><option value='Jamaica' >Jamaica<\/option><option value='Japan' >Japan<\/option><option value='Jersey' >Jersey<\/option><option value='Jordan' >Jordan<\/option><option value='Kazakhstan' >Kazakhstan<\/option><option value='Kenya' >Kenya<\/option><option value='Kiribati' >Kiribati<\/option><option value='Korea, Democratic People&#039;s Republic of' >Korea, Democratic People&#039;s Republic of<\/option><option value='Korea, Republic of' >Korea, Republic of<\/option><option value='Kuwait' >Kuwait<\/option><option value='Kyrgyzstan' >Kyrgyzstan<\/option><option value='Lao People&#039;s Democratic Republic' >Lao People&#039;s Democratic Republic<\/option><option value='Latvia' >Latvia<\/option><option value='Lebanon' >Lebanon<\/option><option value='Lesotho' >Lesotho<\/option><option value='Liberia' >Liberia<\/option><option value='Libya' >Libya<\/option><option value='Liechtenstein' >Liechtenstein<\/option><option value='Lithuania' >Lithuania<\/option><option value='Luxembourg' >Luxembourg<\/option><option value='Macau' >Macau<\/option><option value='Madagascar' >Madagascar<\/option><option value='Malawi' >Malawi<\/option><option value='Malaysia' >Malaysia<\/option><option value='Maldives' >Maldives<\/option><option value='Mali' >Mali<\/option><option value='Malta' >Malta<\/option><option value='Marshall Islands' >Marshall Islands<\/option><option value='Martinique' >Martinique<\/option><option value='Mauritania' >Mauritania<\/option><option value='Mauritius' >Mauritius<\/option><option value='Mayotte' >Mayotte<\/option><option value='Mexico' >Mexico<\/option><option value='Micronesia' >Micronesia<\/option><option value='Moldova' >Moldova<\/option><option value='Monaco' >Monaco<\/option><option value='Mongolia' >Mongolia<\/option><option value='Montenegro' >Montenegro<\/option><option value='Montserrat' >Montserrat<\/option><option value='Morocco' >Morocco<\/option><option value='Mozambique' >Mozambique<\/option><option value='Myanmar' >Myanmar<\/option><option value='Namibia' >Namibia<\/option><option value='Nauru' >Nauru<\/option><option value='Nepal' >Nepal<\/option><option value='Netherlands' >Netherlands<\/option><option value='New Caledonia' >New Caledonia<\/option><option value='New Zealand' >New Zealand<\/option><option value='Nicaragua' >Nicaragua<\/option><option value='Niger' >Niger<\/option><option value='Nigeria' >Nigeria<\/option><option value='Niue' >Niue<\/option><option value='Norfolk Island' >Norfolk Island<\/option><option value='North Macedonia' >North Macedonia<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Norway' >Norway<\/option><option value='Oman' >Oman<\/option><option value='Pakistan' >Pakistan<\/option><option value='Palau' >Palau<\/option><option value='Palestine, State of' >Palestine, State of<\/option><option value='Panama' >Panama<\/option><option value='Papua New Guinea' >Papua New Guinea<\/option><option value='Paraguay' >Paraguay<\/option><option value='Peru' >Peru<\/option><option value='Philippines' >Philippines<\/option><option value='Pitcairn' >Pitcairn<\/option><option value='Poland' >Poland<\/option><option value='Portugal' >Portugal<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Qatar' >Qatar<\/option><option value='Romania' >Romania<\/option><option value='Russian Federation' >Russian Federation<\/option><option value='Rwanda' >Rwanda<\/option><option value='R\u00e9union' >R\u00e9union<\/option><option value='Saint Barth\u00e9lemy' >Saint Barth\u00e9lemy<\/option><option value='Saint Helena, Ascension and Tristan da Cunha' >Saint Helena, Ascension and Tristan da Cunha<\/option><option value='Saint Kitts and Nevis' >Saint Kitts and Nevis<\/option><option value='Saint Lucia' >Saint Lucia<\/option><option value='Saint Martin' >Saint Martin<\/option><option value='Saint Pierre and Miquelon' >Saint Pierre and Miquelon<\/option><option value='Saint Vincent and the Grenadines' >Saint Vincent and the Grenadines<\/option><option value='Samoa' >Samoa<\/option><option value='San Marino' >San Marino<\/option><option value='Sao Tome and Principe' >Sao Tome and Principe<\/option><option value='Saudi Arabia' >Saudi Arabia<\/option><option value='Senegal' >Senegal<\/option><option value='Serbia' >Serbia<\/option><option value='Seychelles' >Seychelles<\/option><option value='Sierra Leone' >Sierra Leone<\/option><option value='Singapore' >Singapore<\/option><option value='Sint Maarten' >Sint Maarten<\/option><option value='Slovakia' >Slovakia<\/option><option value='Slovenia' >Slovenia<\/option><option value='Solomon Islands' >Solomon Islands<\/option><option value='Somalia' >Somalia<\/option><option value='South Africa' >South Africa<\/option><option value='South Georgia and the South Sandwich Islands' >South Georgia and the South Sandwich Islands<\/option><option value='South Sudan' >South Sudan<\/option><option value='Spain' >Spain<\/option><option value='Sri Lanka' >Sri Lanka<\/option><option value='Sudan' >Sudan<\/option><option value='Suriname' >Suriname<\/option><option value='Svalbard and Jan Mayen' >Svalbard and Jan Mayen<\/option><option value='Sweden' >Sweden<\/option><option value='Switzerland' >Switzerland<\/option><option value='Syria Arab Republic' >Syria Arab Republic<\/option><option value='Taiwan' >Taiwan<\/option><option value='Tajikistan' >Tajikistan<\/option><option value='Tanzania, the United Republic of' >Tanzania, the United Republic of<\/option><option value='Thailand' >Thailand<\/option><option value='Timor-Leste' >Timor-Leste<\/option><option value='Togo' >Togo<\/option><option value='Tokelau' >Tokelau<\/option><option value='Tonga' >Tonga<\/option><option value='Trinidad and Tobago' >Trinidad and Tobago<\/option><option value='Tunisia' >Tunisia<\/option><option value='Turkmenistan' >Turkmenistan<\/option><option value='Turks and Caicos Islands' >Turks and Caicos Islands<\/option><option value='Tuvalu' >Tuvalu<\/option><option value='T\u00fcrkiye' >T\u00fcrkiye<\/option><option value='US Minor Outlying Islands' >US Minor Outlying Islands<\/option><option value='Uganda' >Uganda<\/option><option value='Ukraine' >Ukraine<\/option><option value='United Arab Emirates' >United Arab Emirates<\/option><option value='United Kingdom' >United Kingdom<\/option><option value='United States' >United States<\/option><option value='Uruguay' >Uruguay<\/option><option value='Uzbekistan' >Uzbekistan<\/option><option value='Vanuatu' >Vanuatu<\/option><option value='Venezuela' >Venezuela<\/option><option value='Viet Nam' >Viet Nam<\/option><option value='Virgin Islands, British' >Virgin Islands, British<\/option><option value='Virgin Islands, U.S.' >Virgin Islands, U.S.<\/option><option value='Wallis and Futuna' >Wallis and Futuna<\/option><option value='Western Sahara' >Western Sahara<\/option><option value='Yemen' >Yemen<\/option><option value='Zambia' >Zambia<\/option><option value='Zimbabwe' >Zimbabwe<\/option><option value='\u00c5land Islands' >\u00c5land Islands<\/option><\/select>\n                                        <label for='input_1_52_6' id='input_1_52_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                    <\/span>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_1_53\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Are you currently approved for a purchase?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_53'>\n\t\t\t<div class='gchoice gchoice_1_53_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_53' type='radio' value='Yes'  id='choice_1_53_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_53_0' id='label_1_53_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_53_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_53' type='radio' value='No'  id='choice_1_53_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_53_1' id='label_1_53_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_54\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_54'>With which lender do you have approval?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_54' id='input_1_54' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_55\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Refinance Information<\/h3><\/div><div id=\"field_1_261\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_261'>What is your current loan balance?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_261' id='input_1_261' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_262\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_262'>What are your current monthly loan repayments?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_262' id='input_1_262' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_57\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_57'>Who is your current lender?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_57' id='input_1_57' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><fieldset id=\"field_1_59\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you wish to borrow additional funds?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_59'>\n\t\t\t<div class='gchoice gchoice_1_59_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_59' type='radio' value='Yes'  id='choice_1_59_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_59_0' id='label_1_59_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_59_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_59' type='radio' value='No'  id='choice_1_59_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_59_1' id='label_1_59_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_229\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_229'>Additional funds amount<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_229' id='input_1_229' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_1_60' class='gform_previous_button gform-theme-button gform-theme-button--secondary button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='previous' value='Previous'  \/> <input type='button' id='gform_next_button_1_60' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next'  \/> <button type='button'  id='gform_save_1_3_link' onclick='gform.submission.handleButtonClick(this);' data-submission-type='save-continue' class='gform_save_link gform-theme-button gform-theme-button--secondary button'  ><svg aria-hidden=\"true\" focusable=\"false\" width=\"16\" height=\"16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0 8a4 4 0 004 4h3v3a1 1 0 102 0v-3h3a4 4 0 100-8 4 4 0 10-8 0 4 4 0 00-4 4zm9 4H7V7.414L5.707 8.707a1 1 0 01-1.414-1.414l3-3a1 1 0 011.414 0l3 3a1 1 0 01-1.414 1.414L9 7.414V12z\" fill=\"#6B7280\"\/><\/svg> Save and Continue Later<\/button>\n                    <\/div>\n                <\/div>\n                <div id='gform_page_1_3' class='gform_page' data-js='page-field-id-60' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_1_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_1_61\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Loan Serviceability - Applicant 1<\/h3><\/div><div id=\"field_1_68\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_68'>Applicant 1 Marital Status<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_68' id='input_1_68' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Single' >Single<\/option><option value='Married' >Married<\/option><option value='Divorced' >Divorced<\/option><option value='Widowed' >Widowed<\/option><option value='Separated' >Separated<\/option><option value='De Facto' >De Facto<\/option><\/select><\/div><\/div><div id=\"field_1_200\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_200'>How many dependants do you have?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_200' id='input_1_200' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='0' >0<\/option><option value='1' >1<\/option><option value='2' >2<\/option><option value='3' >3<\/option><option value='4' >4<\/option><option value='5' >5<\/option><option value='6+' >6+<\/option><\/select><\/div><\/div><div id=\"field_1_201\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_201'>Dependant 1 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_201' id='input_1_201' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_208\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_208'>Dependant 2 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_208' id='input_1_208' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_207\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_207'>Dependant 3 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_207' id='input_1_207' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_206\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_206'>Dependant 4 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_206' id='input_1_206' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_205\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_205'>Dependant 5 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_205' id='input_1_205' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_204\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_204'>Dependant 6 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_204' id='input_1_204' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_211\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Applicant 1 Employment information<\/h3><\/div><div id=\"field_1_209\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_209'>Employment Type<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_209' id='input_1_209' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Permanent Part-Time' >Permanent Part-Time<\/option><option value='Full Time' >Full Time<\/option><option value='Contractor - PAYG' >Contractor - PAYG<\/option><option value='Casual' >Casual<\/option><option value='Self Employed - Sole Trader' >Self Employed - Sole Trader<\/option><option value='Self Employed - Company' >Self Employed - Company<\/option><option value='Self Employed - Partnership' >Self Employed - Partnership<\/option><option value='Self Employed - Trust' >Self Employed - Trust<\/option><option value='Retired' >Retired<\/option><option value='Unemployed' >Unemployed<\/option><\/select><\/div><\/div><fieldset id=\"field_1_98\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Start date with  Current Employer<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_98' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_98_2_container'>\n                                            <input type='number' maxlength='2' name='input_98[]' id='input_1_98_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_98_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_98_1_container'>\n                                        <input type='number' maxlength='2' name='input_98[]' id='input_1_98_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_98_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_98_3_container'>\n                                        <input type='number' maxlength='4' name='input_98[]' id='input_1_98_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_98_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><fieldset id=\"field_1_248\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you receive a government pension?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_248'>\n\t\t\t<div class='gchoice gchoice_1_248_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_248' type='radio' value='Yes'  id='choice_1_248_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_248_0' id='label_1_248_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_248_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_248' type='radio' value='No'  id='choice_1_248_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_248_1' id='label_1_248_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_249\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_249'>Estimated annual pension\/income<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_249' id='input_1_249' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_230\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Business Start date<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_230' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_230_2_container'>\n                                            <input type='number' maxlength='2' name='input_230[]' id='input_1_230_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_230_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_230_1_container'>\n                                        <input type='number' maxlength='2' name='input_230[]' id='input_1_230_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_230_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_230_3_container'>\n                                        <input type='number' maxlength='4' name='input_230[]' id='input_1_230_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_230_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_231\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_231'>Industry\/Occupation<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_231' id='input_1_231' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_94\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_94'>Employer Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_94' id='input_1_94' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_93\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_93'>Current Occupation \/ Position<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_93' id='input_1_93' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_95\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_95'>Employer Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_95' id='input_1_95' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_96\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_96'>Employer Contact Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_96' id='input_1_96' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_99\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_99'>Annual Base Salary (exc. Super)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_99' id='input_1_99' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_100\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_100'>Commission Income<\/label><div class='ginput_container ginput_container_number'><input name='input_100' id='input_1_100' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_101\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_101'>Allowances Income<\/label><div class='ginput_container ginput_container_number'><input name='input_101' id='input_1_101' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_102\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_102'>Current year Bonus Income<\/label><div class='ginput_container ginput_container_number'><input name='input_102' id='input_1_102' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_103\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_103'>Previous year Bonus Income<\/label><div class='ginput_container ginput_container_number'><input name='input_103' id='input_1_103' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_268\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_268'>Estimated annual income<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_268' id='input_1_268' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_104\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_104'>Other income<\/label><div class='ginput_container ginput_container_number'><input name='input_104' id='input_1_104' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_106\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you have a Salary Sacrifice Arrangement (pre-tax or post-tax)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_106'>\n\t\t\t<div class='gchoice gchoice_1_106_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_106' type='radio' value='Yes'  id='choice_1_106_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_106_0' id='label_1_106_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_106_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_106' type='radio' value='No'  id='choice_1_106_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_106_1' id='label_1_106_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_108\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_108'>Salary Sacrifice Arrangement Details<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_108' id='input_1_108' class='textarea large'     aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><fieldset id=\"field_1_172\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Have you been at this employer for less than 3 years?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_172'>\n\t\t\t<div class='gchoice gchoice_1_172_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_172' type='radio' value='Yes'  id='choice_1_172_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_172_0' id='label_1_172_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_172_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_172' type='radio' value='No'  id='choice_1_172_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_172_1' id='label_1_172_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_114\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Start date with Previous Employer<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_114' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_114_2_container'>\n                                            <input type='number' maxlength='2' name='input_114[]' id='input_1_114_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_114_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_114_1_container'>\n                                        <input type='number' maxlength='2' name='input_114[]' id='input_1_114_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_114_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_114_3_container'>\n                                        <input type='number' maxlength='4' name='input_114[]' id='input_1_114_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_114_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_111\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_111'>Previous Employer Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_111' id='input_1_111' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_110\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_110'>Previous Occupation \/ Position<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_110' id='input_1_110' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_112\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_112'>Previous Employer Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_112' id='input_1_112' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_113\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_113'>Previous Employer Contact Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_113' id='input_1_113' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_105\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_105'>Notes &amp; Additional Income Information<\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_105' id='input_1_105' class='textarea large'      aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><fieldset id=\"field_1_115\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you have a HECS\/HELP Debt?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_115'>\n\t\t\t<div class='gchoice gchoice_1_115_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_115' type='radio' value='Yes'  id='choice_1_115_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_115_0' id='label_1_115_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_115_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_115' type='radio' value='No'  id='choice_1_115_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_115_1' id='label_1_115_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_118\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_118'>Balance remaining<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_118' id='input_1_118' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_120\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Are there any defaults or judgements on your credit file?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_120'>\n\t\t\t<div class='gchoice gchoice_1_120_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_120' type='radio' value='Yes'  id='choice_1_120_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_120_0' id='label_1_120_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_120_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_120' type='radio' value='No'  id='choice_1_120_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_120_1' id='label_1_120_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_121\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_121'>Please provide details<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_121' id='input_1_121' class='textarea large'     aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_1_92\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Accountant Details<\/h3><\/div><fieldset id=\"field_1_242\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Accountant Contact Person<\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_1_242'>\n                            \n                            <span id='input_1_242_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_242.3' id='input_1_242_3' value=''   aria-required='false'     \/>\n                                                    <label for='input_1_242_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            \n                            <span id='input_1_242_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_242.6' id='input_1_242_6' value=''   aria-required='false'     \/>\n                                                    <label for='input_1_242_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_1_241\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_241'>Accountant Company Name<\/label><div class='ginput_container ginput_container_text'><input name='input_241' id='input_1_241' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_244\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_244'>Accountant Email<\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_244' id='input_1_244' type='email' value='' class='large'     aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_1_245\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_245'>Accountant Phone<\/label><div class='ginput_container ginput_container_phone'><input name='input_245' id='input_1_245' type='tel' value='' class='large'    aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_75\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Loan Serviceability - Applicant 2<\/h3><\/div><div id=\"field_1_69\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_69'>Applicant 2 Marital Status<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_69' id='input_1_69' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Single' >Single<\/option><option value='Married' >Married<\/option><option value='Divorced' >Divorced<\/option><option value='Widowed' >Widowed<\/option><option value='Separated' >Separated<\/option><option value='De Facto' >De Facto<\/option><\/select><\/div><\/div><div id=\"field_1_234\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_234'>How many dependants do you have?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_234' id='input_1_234' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='0' >0<\/option><option value='1' >1<\/option><option value='2' >2<\/option><option value='3' >3<\/option><option value='4' >4<\/option><option value='5' >5<\/option><option value='6+' >6+<\/option><\/select><\/div><\/div><div id=\"field_1_235\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_235'>Dependant 1 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_235' id='input_1_235' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_236\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_236'>Dependant 2 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_236' id='input_1_236' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_237\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_237'>Dependant 3 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_237' id='input_1_237' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_238\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_238'>Dependant 4 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_238' id='input_1_238' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_239\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_239'>Dependant 5 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_239' id='input_1_239' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_240\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_240'>Dependant 6 Age<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_240' id='input_1_240' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_210\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_210'>Employment Type<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_210' id='input_1_210' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Permanent Part-Time' >Permanent Part-Time<\/option><option value='Full Time' >Full Time<\/option><option value='Contractor - PAYG' >Contractor - PAYG<\/option><option value='Casual' >Casual<\/option><option value='Self Employed - Sole Trader' >Self Employed - Sole Trader<\/option><option value='Self Employed - Company' >Self Employed - Company<\/option><option value='Self Employed - Partnership' >Self Employed - Partnership<\/option><option value='Self Employed - Trust' >Self Employed - Trust<\/option><option value='Retired' >Retired<\/option><option value='Unemployed' >Unemployed<\/option><\/select><\/div><\/div><fieldset id=\"field_1_146\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Start date with  Current Employer<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_146' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_146_2_container'>\n                                            <input type='number' maxlength='2' name='input_146[]' id='input_1_146_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_146_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_146_1_container'>\n                                        <input type='number' maxlength='2' name='input_146[]' id='input_1_146_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_146_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_146_3_container'>\n                                        <input type='number' maxlength='4' name='input_146[]' id='input_1_146_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_146_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><fieldset id=\"field_1_246\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you receive a government pension?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_246'>\n\t\t\t<div class='gchoice gchoice_1_246_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_246' type='radio' value='Yes'  id='choice_1_246_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_246_0' id='label_1_246_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_246_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_246' type='radio' value='No'  id='choice_1_246_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_246_1' id='label_1_246_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_247\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_247'>Estimated annual pension\/income<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_247' id='input_1_247' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_232\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Business Start date<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_232' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_232_2_container'>\n                                            <input type='number' maxlength='2' name='input_232[]' id='input_1_232_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_232_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_232_1_container'>\n                                        <input type='number' maxlength='2' name='input_232[]' id='input_1_232_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_232_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_232_3_container'>\n                                        <input type='number' maxlength='4' name='input_232[]' id='input_1_232_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_232_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_233\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_233'>Industry\/Occupation<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_233' id='input_1_233' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_143\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_143'>Employer Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_143' id='input_1_143' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_144\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_144'>Employer Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_144' id='input_1_144' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_145\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_145'>Current Occupation \/ Position<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_145' id='input_1_145' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_142\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_142'>Employer Contact Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_142' id='input_1_142' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_141\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_141'>Annual Base Salary (exc. Super)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_141' id='input_1_141' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_139\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_139'>Commission Income<\/label><div class='ginput_container ginput_container_number'><input name='input_139' id='input_1_139' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_138\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_138'>Allowances Income<\/label><div class='ginput_container ginput_container_number'><input name='input_138' id='input_1_138' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_137\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_137'>Current year Bonus Income<\/label><div class='ginput_container ginput_container_number'><input name='input_137' id='input_1_137' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_140\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_140'>Previous year Bonus Income<\/label><div class='ginput_container ginput_container_number'><input name='input_140' id='input_1_140' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_267\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_267'>Estimated annual income<\/label><div class='ginput_container ginput_container_number'><input name='input_267' id='input_1_267' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_136\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_136'>Other income<\/label><div class='ginput_container ginput_container_number'><input name='input_136' id='input_1_136' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_135\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you have a Salary Sacrifice Arrangement (pre-tax or post-tax)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_135'>\n\t\t\t<div class='gchoice gchoice_1_135_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_135' type='radio' value='Yes'  id='choice_1_135_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_135_0' id='label_1_135_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_135_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_135' type='radio' value='No'  id='choice_1_135_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_135_1' id='label_1_135_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_134\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_134'>Salary Sacrifice Arrangement Details<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_134' id='input_1_134' class='textarea large'     aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><fieldset id=\"field_1_173\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Have you been at this employer for less than 3 years?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_173'>\n\t\t\t<div class='gchoice gchoice_1_173_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_173' type='radio' value='Yes'  id='choice_1_173_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_173_0' id='label_1_173_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_173_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_173' type='radio' value='No'  id='choice_1_173_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_173_1' id='label_1_173_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_132\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Start date with Previous Employer<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div id='input_1_132' class='ginput_container ginput_complex gform-grid-row'>\n                                        <div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_1_132_2_container'>\n                                            <input type='number' maxlength='2' name='input_132[]' id='input_1_132_2' value=''   aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_1_132_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_1_132_1_container'>\n                                        <input type='number' maxlength='2' name='input_132[]' id='input_1_132_1' value=''   aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                        <label for='input_1_132_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                   <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_1_132_3_container'>\n                                        <input type='number' maxlength='4' name='input_132[]' id='input_1_132_3' value=''   aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                        <label for='input_1_132_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                   <\/div>\n                                <\/div><\/fieldset><div id=\"field_1_131\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_131'>Previous Occupation \/ Position<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_131' id='input_1_131' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_130\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_130'>Previous Employer Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_130' id='input_1_130' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_129\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_129'>Previous Employer Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_129' id='input_1_129' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_128\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_128'>Previous Employer Contact Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_128' id='input_1_128' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_127\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_127'>Notes &amp; Additional Income Information<\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_127' id='input_1_127' class='textarea large'      aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><fieldset id=\"field_1_125\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you have a HECS\/HELP Debt?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_125'>\n\t\t\t<div class='gchoice gchoice_1_125_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_125' type='radio' value='Yes'  id='choice_1_125_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_125_0' id='label_1_125_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_125_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_125' type='radio' value='No'  id='choice_1_125_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_125_1' id='label_1_125_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_126\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_126'>Balance remaining<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_126' id='input_1_126' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_123\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Are there any defaults or judgements on your credit file?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_123'>\n\t\t\t<div class='gchoice gchoice_1_123_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_123' type='radio' value='Yes'  id='choice_1_123_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_123_0' id='label_1_123_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_123_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_123' type='radio' value='No'  id='choice_1_123_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_123_1' id='label_1_123_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_122\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_122'>Please provide details<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_122' id='input_1_122' class='textarea large'     aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_1_243\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Accountant Details<\/h3><\/div><fieldset id=\"field_1_91\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Accountant Contact Person<\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_1_91'>\n                            \n                            <span id='input_1_91_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_91.3' id='input_1_91_3' value=''   aria-required='false'     \/>\n                                                    <label for='input_1_91_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            \n                            <span id='input_1_91_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_91.6' id='input_1_91_6' value=''   aria-required='false'     \/>\n                                                    <label for='input_1_91_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_1_90\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_90'>Accountant Company Name<\/label><div class='ginput_container ginput_container_text'><input name='input_90' id='input_1_90' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_89\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_89'>Accountant Phone<\/label><div class='ginput_container ginput_container_phone'><input name='input_89' id='input_1_89' type='tel' value='' class='large'    aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_88\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-quarter field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_88'>Accountant Email<\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_88' id='input_1_88' type='email' value='' class='large'     aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_1_62\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Living Expenses - Current Household (average monthly)<\/h3><\/div><div id=\"field_1_150\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_150'>Utilities and Rates - Owner Occupied Property<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_150' id='input_1_150' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_154\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_154'>Utilities and Rates - Investment Property<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_154' id='input_1_154' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_153\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_153'>Telephone, Internet, Pay TV &amp; Streaming Services<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_153' id='input_1_153' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_152\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_152'>Groceries\/Food<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_152' id='input_1_152' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_151\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_151'>Recreation and Entertainment<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_151' id='input_1_151' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_155\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_155'>Clothing and Personal Care<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_155' id='input_1_155' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_158\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_158'>Medical &amp; Health (excl. health insurance)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_158' id='input_1_158' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_157\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_157'>Transport (public transport\/private vehicles\/parking etc.)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_157' id='input_1_157' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_156\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_156'>Education (current studies only, excl. HECS\/HELP)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_156' id='input_1_156' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_159\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_159'>Childcare\/ Child Support<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_159' id='input_1_159' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_284\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_284'>Strata Fees<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_284' id='input_1_284' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_283\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_283'>General Insurance<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_283' id='input_1_283' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_162\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_162'>Life \/ Income Protection Insurance<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_162' id='input_1_162' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_282\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_282'>Private Health Insurance<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_282' id='input_1_282' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_160\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_160'>Current rent paid per month (if applicable)<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_160' id='input_1_160' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_161\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-quarter gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_161'>Other<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_161' id='input_1_161' type='text' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_1_163\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_163'>Other expense information<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_163' id='input_1_163' class='textarea large'     aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_1_63\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Financial Position<\/h3><\/div><fieldset id=\"field_1_212\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please select any assets you own<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_1_212'><div class='gchoice gchoice_1_212_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.1' type='checkbox'  value='Savings'  id='choice_1_212_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_1' id='label_1_212_1' class='gform-field-label gform-field-label--type-inline'>Savings<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_212_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.2' type='checkbox'  value='Shares'  id='choice_1_212_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_2' id='label_1_212_2' class='gform-field-label gform-field-label--type-inline'>Shares<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_212_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.3' type='checkbox'  value='Superfund\/SMSF'  id='choice_1_212_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_3' id='label_1_212_3' class='gform-field-label gform-field-label--type-inline'>Superfund\/SMSF<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_212_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.4' type='checkbox'  value='Investment Property'  id='choice_1_212_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_4' id='label_1_212_4' class='gform-field-label gform-field-label--type-inline'>Investment Property<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_212_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.5' type='checkbox'  value='Motor Vehicles'  id='choice_1_212_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_5' id='label_1_212_5' class='gform-field-label gform-field-label--type-inline'>Motor Vehicles<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_212_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.6' type='checkbox'  value='Gifts'  id='choice_1_212_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_6' id='label_1_212_6' class='gform-field-label gform-field-label--type-inline'>Gifts<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_212_7'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.7' type='checkbox'  value='Other'  id='choice_1_212_7'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_7' id='label_1_212_7' class='gform-field-label gform-field-label--type-inline'>Other<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_212_8'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_212.8' type='checkbox'  value='None'  id='choice_1_212_8'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_212_8' id='label_1_212_8' class='gform-field-label gform-field-label--type-inline'>None<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_251\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your other assets<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Asset Name<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Value<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Associated Applicant Name<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Additional details<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_251_cell1 gform-grid-col' data-label='Asset Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Asset Name, Row 1' data-aria-label-template='Asset Name, Row {0}' type='text' name='input_251[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_251_cell2 gform-grid-col' data-label='Value'><input aria-invalid='false' aria-required=\"true\"  aria-label='Value, Row 1' data-aria-label-template='Value, Row {0}' type='text' name='input_251[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_251_cell3 gform-grid-col' data-label='Associated Applicant Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Associated Applicant Name, Row 1' data-aria-label-template='Associated Applicant Name, Row {0}' type='text' name='input_251[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_251_cell4 gform-grid-col' data-label='Additional details'><input aria-invalid='false' aria-required=\"true\"  aria-label='Additional details, Row 1' data-aria-label-template='Additional details, Row {0}' type='text' name='input_251[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_165\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your savings assets<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Institution<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Value<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Associated Applicant Name<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_165_cell1 gform-grid-col' data-label='Institution'><input aria-invalid='false' aria-required=\"true\"  aria-label='Institution, Row 1' data-aria-label-template='Institution, Row {0}' type='text' name='input_165[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_165_cell2 gform-grid-col' data-label='Value'><input aria-invalid='false' aria-required=\"true\"  aria-label='Value, Row 1' data-aria-label-template='Value, Row {0}' type='text' name='input_165[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_165_cell3 gform-grid-col' data-label='Associated Applicant Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Associated Applicant Name, Row 1' data-aria-label-template='Associated Applicant Name, Row {0}' type='text' name='input_165[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_214\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Superfund\/SMSF assets<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Institution\/Fund<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Value<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Associated Applicant Name<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_214_cell1 gform-grid-col' data-label='Institution\/Fund'><input aria-invalid='false' aria-required=\"true\"  aria-label='Institution\/Fund, Row 1' data-aria-label-template='Institution\/Fund, Row {0}' type='text' name='input_214[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_214_cell2 gform-grid-col' data-label='Value'><input aria-invalid='false' aria-required=\"true\"  aria-label='Value, Row 1' data-aria-label-template='Value, Row {0}' type='text' name='input_214[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_214_cell3 gform-grid-col' data-label='Associated Applicant Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Associated Applicant Name, Row 1' data-aria-label-template='Associated Applicant Name, Row {0}' type='text' name='input_214[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_216\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Investment Property<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Address<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Value<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Associated Applicant Name<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Outstanding Mortgage Amount<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Rental income (monthly)<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_216_cell1 gform-grid-col' data-label='Address'><input aria-invalid='false' aria-required=\"true\"  aria-label='Address, Row 1' data-aria-label-template='Address, Row {0}' type='text' name='input_216[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_216_cell2 gform-grid-col' data-label='Value'><input aria-invalid='false' aria-required=\"true\"  aria-label='Value, Row 1' data-aria-label-template='Value, Row {0}' type='text' name='input_216[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_216_cell3 gform-grid-col' data-label='Associated Applicant Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Associated Applicant Name, Row 1' data-aria-label-template='Associated Applicant Name, Row {0}' type='text' name='input_216[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_216_cell4 gform-grid-col' data-label='Outstanding Mortgage Amount'><input aria-invalid='false' aria-required=\"true\"  aria-label='Outstanding Mortgage Amount, Row 1' data-aria-label-template='Outstanding Mortgage Amount, Row {0}' type='text' name='input_216[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_216_cell5 gform-grid-col' data-label='Rental income (monthly)'><input aria-invalid='false' aria-required=\"true\"  aria-label='Rental income (monthly), Row 1' data-aria-label-template='Rental income (monthly), Row {0}' type='text' name='input_216[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_217\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your motor vehicle assets<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Make &amp; Model<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Value<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Associated Applicant Name<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_217_cell1 gform-grid-col' data-label='Make &amp; Model'><input aria-invalid='false' aria-required=\"true\"  aria-label='Make &amp; Model, Row 1' data-aria-label-template='Make &amp; Model, Row {0}' type='text' name='input_217[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_217_cell2 gform-grid-col' data-label='Value'><input aria-invalid='false' aria-required=\"true\"  aria-label='Value, Row 1' data-aria-label-template='Value, Row {0}' type='text' name='input_217[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_217_cell3 gform-grid-col' data-label='Associated Applicant Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Associated Applicant Name, Row 1' data-aria-label-template='Associated Applicant Name, Row {0}' type='text' name='input_217[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_219\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your shares assets<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Holding<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Value<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Associated Applicant Name<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_219_cell1 gform-grid-col' data-label='Holding'><input aria-invalid='false' aria-required=\"true\"  aria-label='Holding, Row 1' data-aria-label-template='Holding, Row {0}' type='text' name='input_219[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_219_cell2 gform-grid-col' data-label='Value'><input aria-invalid='false' aria-required=\"true\"  aria-label='Value, Row 1' data-aria-label-template='Value, Row {0}' type='text' name='input_219[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_219_cell3 gform-grid-col' data-label='Associated Applicant Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Associated Applicant Name, Row 1' data-aria-label-template='Associated Applicant Name, Row {0}' type='text' name='input_219[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_220\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your gift assets<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Gift Type<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Value<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Associated Applicant Name<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_220_cell1 gform-grid-col' data-label='Gift Type'><input aria-invalid='false' aria-required=\"true\"  aria-label='Gift Type, Row 1' data-aria-label-template='Gift Type, Row {0}' type='text' name='input_220[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_220_cell2 gform-grid-col' data-label='Value'><input aria-invalid='false' aria-required=\"true\"  aria-label='Value, Row 1' data-aria-label-template='Value, Row {0}' type='text' name='input_220[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_220_cell3 gform-grid-col' data-label='Associated Applicant Name'><input aria-invalid='false' aria-required=\"true\"  aria-label='Associated Applicant Name, Row 1' data-aria-label-template='Associated Applicant Name, Row {0}' type='text' name='input_220[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_250\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please select any liabilities you have<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_1_250'><div class='gchoice gchoice_1_250_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.1' type='checkbox'  value='Mortgage'  id='choice_1_250_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_1' id='label_1_250_1' class='gform-field-label gform-field-label--type-inline'>Mortgage<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_250_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.2' type='checkbox'  value='Car loan'  id='choice_1_250_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_2' id='label_1_250_2' class='gform-field-label gform-field-label--type-inline'>Car loan<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_250_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.3' type='checkbox'  value='Credit card'  id='choice_1_250_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_3' id='label_1_250_3' class='gform-field-label gform-field-label--type-inline'>Credit card<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_250_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.4' type='checkbox'  value='Personal loan'  id='choice_1_250_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_4' id='label_1_250_4' class='gform-field-label gform-field-label--type-inline'>Personal loan<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_250_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.5' type='checkbox'  value='Line of credit'  id='choice_1_250_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_5' id='label_1_250_5' class='gform-field-label gform-field-label--type-inline'>Line of credit<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_250_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.6' type='checkbox'  value='HECS'  id='choice_1_250_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_6' id='label_1_250_6' class='gform-field-label gform-field-label--type-inline'>HECS<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_250_7'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.7' type='checkbox'  value='Other'  id='choice_1_250_7'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_7' id='label_1_250_7' class='gform-field-label gform-field-label--type-inline'>Other<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_250_8'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_250.8' type='checkbox'  value='None'  id='choice_1_250_8'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_250_8' id='label_1_250_8' class='gform-field-label gform-field-label--type-inline'>None<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_252\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Mortgage<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Home Loan Lender<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Balance $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Interest Rate %<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Repayment Amount $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Loan Term Remaining<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Refinance Y\/N<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_252_cell1 gform-grid-col' data-label='Home Loan Lender'><input aria-invalid='false' aria-required=\"true\"  aria-label='Home Loan Lender, Row 1' data-aria-label-template='Home Loan Lender, Row {0}' type='text' name='input_252[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_252_cell2 gform-grid-col' data-label='Balance $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Balance $, Row 1' data-aria-label-template='Balance $, Row {0}' type='text' name='input_252[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_252_cell3 gform-grid-col' data-label='Interest Rate %'><input aria-invalid='false' aria-required=\"true\"  aria-label='Interest Rate %, Row 1' data-aria-label-template='Interest Rate %, Row {0}' type='text' name='input_252[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_252_cell4 gform-grid-col' data-label='Repayment Amount $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Repayment Amount $, Row 1' data-aria-label-template='Repayment Amount $, Row {0}' type='text' name='input_252[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_252_cell5 gform-grid-col' data-label='Loan Term Remaining'><input aria-invalid='false' aria-required=\"true\"  aria-label='Loan Term Remaining, Row 1' data-aria-label-template='Loan Term Remaining, Row {0}' type='text' name='input_252[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_252_cell6 gform-grid-col' data-label='Refinance Y\/N'><input aria-invalid='false' aria-required=\"true\"  aria-label='Refinance Y\/N, Row 1' data-aria-label-template='Refinance Y\/N, Row {0}' type='text' name='input_252[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_253\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Car Loan<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Vehicle Loan Lender<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Balance $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Interest Rate %<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Repayment Amount $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Loan Term Remaining<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Refinance Y\/N<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_253_cell1 gform-grid-col' data-label='Vehicle Loan Lender'><input aria-invalid='false' aria-required=\"true\"  aria-label='Vehicle Loan Lender, Row 1' data-aria-label-template='Vehicle Loan Lender, Row {0}' type='text' name='input_253[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_253_cell2 gform-grid-col' data-label='Balance $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Balance $, Row 1' data-aria-label-template='Balance $, Row {0}' type='text' name='input_253[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_253_cell3 gform-grid-col' data-label='Interest Rate %'><input aria-invalid='false' aria-required=\"true\"  aria-label='Interest Rate %, Row 1' data-aria-label-template='Interest Rate %, Row {0}' type='text' name='input_253[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_253_cell4 gform-grid-col' data-label='Repayment Amount $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Repayment Amount $, Row 1' data-aria-label-template='Repayment Amount $, Row {0}' type='text' name='input_253[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_253_cell5 gform-grid-col' data-label='Loan Term Remaining'><input aria-invalid='false' aria-required=\"true\"  aria-label='Loan Term Remaining, Row 1' data-aria-label-template='Loan Term Remaining, Row {0}' type='text' name='input_253[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_253_cell6 gform-grid-col' data-label='Refinance Y\/N'><input aria-invalid='false' aria-required=\"true\"  aria-label='Refinance Y\/N, Row 1' data-aria-label-template='Refinance Y\/N, Row {0}' type='text' name='input_253[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_254\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Credit Cards<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Provider<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Limit $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Balance $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Refinance Y\/N<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_254_cell1 gform-grid-col' data-label='Provider'><input aria-invalid='false' aria-required=\"true\"  aria-label='Provider, Row 1' data-aria-label-template='Provider, Row {0}' type='text' name='input_254[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_254_cell2 gform-grid-col' data-label='Limit $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Limit $, Row 1' data-aria-label-template='Limit $, Row {0}' type='text' name='input_254[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_254_cell3 gform-grid-col' data-label='Balance $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Balance $, Row 1' data-aria-label-template='Balance $, Row {0}' type='text' name='input_254[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_254_cell4 gform-grid-col' data-label='Refinance Y\/N'><input aria-invalid='false' aria-required=\"true\"  aria-label='Refinance Y\/N, Row 1' data-aria-label-template='Refinance Y\/N, Row {0}' type='text' name='input_254[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_257\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Lines of Credit<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Provider<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Balance $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Interest Rate %<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Repayment Amount $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Refinance Y\/N<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_257_cell1 gform-grid-col' data-label='Provider'><input aria-invalid='false' aria-required=\"true\"  aria-label='Provider, Row 1' data-aria-label-template='Provider, Row {0}' type='text' name='input_257[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_257_cell2 gform-grid-col' data-label='Balance $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Balance $, Row 1' data-aria-label-template='Balance $, Row {0}' type='text' name='input_257[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_257_cell3 gform-grid-col' data-label='Interest Rate %'><input aria-invalid='false' aria-required=\"true\"  aria-label='Interest Rate %, Row 1' data-aria-label-template='Interest Rate %, Row {0}' type='text' name='input_257[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_257_cell4 gform-grid-col' data-label='Repayment Amount $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Repayment Amount $, Row 1' data-aria-label-template='Repayment Amount $, Row {0}' type='text' name='input_257[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_257_cell5 gform-grid-col' data-label='Refinance Y\/N'><input aria-invalid='false' aria-required=\"true\"  aria-label='Refinance Y\/N, Row 1' data-aria-label-template='Refinance Y\/N, Row {0}' type='text' name='input_257[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_256\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Personal Loans<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Provider<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Balance $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Interest Rate %<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Repayment Amount $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Loan Term Remaining<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Refinance Y\/N<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_256_cell1 gform-grid-col' data-label='Provider'><input aria-invalid='false' aria-required=\"true\"  aria-label='Provider, Row 1' data-aria-label-template='Provider, Row {0}' type='text' name='input_256[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_256_cell2 gform-grid-col' data-label='Balance $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Balance $, Row 1' data-aria-label-template='Balance $, Row {0}' type='text' name='input_256[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_256_cell3 gform-grid-col' data-label='Interest Rate %'><input aria-invalid='false' aria-required=\"true\"  aria-label='Interest Rate %, Row 1' data-aria-label-template='Interest Rate %, Row {0}' type='text' name='input_256[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_256_cell4 gform-grid-col' data-label='Repayment Amount $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Repayment Amount $, Row 1' data-aria-label-template='Repayment Amount $, Row {0}' type='text' name='input_256[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_256_cell5 gform-grid-col' data-label='Loan Term Remaining'><input aria-invalid='false' aria-required=\"true\"  aria-label='Loan Term Remaining, Row 1' data-aria-label-template='Loan Term Remaining, Row {0}' type='text' name='input_256[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_256_cell6 gform-grid-col' data-label='Refinance Y\/N'><input aria-invalid='false' aria-required=\"true\"  aria-label='Refinance Y\/N, Row 1' data-aria-label-template='Refinance Y\/N, Row {0}' type='text' name='input_256[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_258\" class=\"gfield gfield--type-list gfield--input-type-list gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Please provide details of your Other Liabilities<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_list ginput_list ginput_container_list--columns'><div class='gfield_list gfield_list_container'><div class=\"gfield_list_header gform-grid-row\"><div class=\"gform-field-label gfield_header_item gform-grid-col\">Provider\/Type<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Balance $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Interest Rate %<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Repayment Amount $<\/div><div class=\"gform-field-label gfield_header_item gform-grid-col\">Refinance Y\/N<\/div><div class=\"gfield_header_item gfield_header_item--icons gform-grid-col\">&nbsp;<\/div><\/div><div class=\"gfield_list_groups\"><div class='gfield_list_row_odd gfield_list_group gform-grid-row'><div class='gfield_list_group_item gfield_list_cell gfield_list_258_cell1 gform-grid-col' data-label='Provider\/Type'><input aria-invalid='false' aria-required=\"true\"  aria-label='Provider\/Type, Row 1' data-aria-label-template='Provider\/Type, Row {0}' type='text' name='input_258[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_258_cell2 gform-grid-col' data-label='Balance $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Balance $, Row 1' data-aria-label-template='Balance $, Row {0}' type='text' name='input_258[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_258_cell3 gform-grid-col' data-label='Interest Rate %'><input aria-invalid='false' aria-required=\"true\"  aria-label='Interest Rate %, Row 1' data-aria-label-template='Interest Rate %, Row {0}' type='text' name='input_258[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_258_cell4 gform-grid-col' data-label='Repayment Amount $'><input aria-invalid='false' aria-required=\"true\"  aria-label='Repayment Amount $, Row 1' data-aria-label-template='Repayment Amount $, Row {0}' type='text' name='input_258[]' value=''   \/><\/div><div class='gfield_list_group_item gfield_list_cell gfield_list_258_cell5 gform-grid-col' data-label='Refinance Y\/N'><input aria-invalid='false' aria-required=\"true\"  aria-label='Refinance Y\/N, Row 1' data-aria-label-template='Refinance Y\/N, Row {0}' type='text' name='input_258[]' value=''   \/><\/div><div class='gfield_list_icons gform-grid-col'>   <button type=\"button\"  class='add_list_item ' aria-label='Add another row' onclick='gformAddListItem(this, 0)'>Add<\/button>   <button type=\"button\"  class='delete_list_item' aria-label='Remove row 1' data-aria-label-template='Remove row {0}' onclick='gformDeleteListItem(this, 0)' style=\"visibility:hidden;\">Remove<\/button><\/div><\/div><\/div><\/div><\/div><\/fieldset><\/div>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_1_67' class='gform_previous_button gform-theme-button gform-theme-button--secondary button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='previous' value='Previous'  \/> <input type='button' id='gform_next_button_1_67' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next'  \/> <button type='button'  id='gform_save_1_4_link' onclick='gform.submission.handleButtonClick(this);' data-submission-type='save-continue' class='gform_save_link gform-theme-button gform-theme-button--secondary button'  ><svg aria-hidden=\"true\" focusable=\"false\" width=\"16\" height=\"16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0 8a4 4 0 004 4h3v3a1 1 0 102 0v-3h3a4 4 0 100-8 4 4 0 10-8 0 4 4 0 00-4 4zm9 4H7V7.414L5.707 8.707a1 1 0 01-1.414-1.414l3-3a1 1 0 011.414 0l3 3a1 1 0 01-1.414 1.414L9 7.414V12z\" fill=\"#6B7280\"\/><\/svg> Save and Continue Later<\/button>\n                    <\/div>\n                <\/div>\n                <div id='gform_page_1_4' class='gform_page' data-js='page-field-id-67' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_1_4' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_1_64\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Solicitor Details<\/h3><\/div><div id=\"field_1_198\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_198'>Do you have a solicitor?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_198' id='input_1_198' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Yes' >Yes<\/option><option value='No' >No<\/option><\/select><\/div><\/div><div id=\"field_1_199\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-third gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_199'>Would you like a recommendation?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_199' id='input_1_199' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Yes' >Yes<\/option><option value='No' >No<\/option><\/select><\/div><\/div><fieldset id=\"field_1_84\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Solicitor Contact Person<\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_1_84'>\n                            \n                            <span id='input_1_84_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_84.3' id='input_1_84_3' value=''   aria-required='false'     \/>\n                                                    <label for='input_1_84_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            \n                            <span id='input_1_84_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_84.6' id='input_1_84_6' value=''   aria-required='false'     \/>\n                                                    <label for='input_1_84_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_1_85\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_85'>Solicitor Company Name<\/label><div class='ginput_container ginput_container_text'><input name='input_85' id='input_1_85' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_86\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_86'>Solicitor Phone<\/label><div class='ginput_container ginput_container_phone'><input name='input_86' id='input_1_86' type='tel' value='' class='large'    aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_87\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-third field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_87'>Solicitor Email<\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_87' id='input_1_87' type='email' value='' class='large'     aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_1_65\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Loan\/ Product Features<\/h3><\/div><fieldset id=\"field_1_83\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Which of the features below are you interested in hearing more about, or would you like your home loan to have?<\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_1_83'><div class='gchoice gchoice_1_83_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_83.1' type='checkbox'  value='Mortgage Offset Account'  id='choice_1_83_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_83_1' id='label_1_83_1' class='gform-field-label gform-field-label--type-inline'>Mortgage Offset Account<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_83_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_83.2' type='checkbox'  value='Fixed Rates'  id='choice_1_83_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_83_2' id='label_1_83_2' class='gform-field-label gform-field-label--type-inline'>Fixed Rates<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_83_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_83.3' type='checkbox'  value='Redraw Facility'  id='choice_1_83_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_83_3' id='label_1_83_3' class='gform-field-label gform-field-label--type-inline'>Redraw Facility<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_83_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_83.4' type='checkbox'  value='Fee-free extra repayments'  id='choice_1_83_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_83_4' id='label_1_83_4' class='gform-field-label gform-field-label--type-inline'>Fee-free extra repayments<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_83_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_83.5' type='checkbox'  value='Principal &amp; Interest (P+I) Repayments'  id='choice_1_83_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_83_5' id='label_1_83_5' class='gform-field-label gform-field-label--type-inline'>Principal &amp; Interest (P+I) Repayments<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_83_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_83.6' type='checkbox'  value='Interest Only (IO) Repayments'  id='choice_1_83_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_83_6' id='label_1_83_6' class='gform-field-label gform-field-label--type-inline'>Interest Only (IO) Repayments<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_197\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_197'>Do you have a preferred lender?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_197' id='input_1_197' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_66\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Other<\/h3><\/div><fieldset id=\"field_1_80\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Are there any foreseeable changes to your financial position \/ income that could affect your capacity to meet your repayments?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_80'>\n\t\t\t<div class='gchoice gchoice_1_80_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_80' type='radio' value='Yes'  id='choice_1_80_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_80_0' id='label_1_80_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_80_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_80' type='radio' value='No'  id='choice_1_80_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_80_1' id='label_1_80_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_78\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_78'>Please provide details<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_78' id='input_1_78' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><fieldset id=\"field_1_79\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Has COVID-19 affected your employment or income?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_79'>\n\t\t\t<div class='gchoice gchoice_1_79_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_79' type='radio' value='Yes'  id='choice_1_79_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_79_0' id='label_1_79_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_79_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_79' type='radio' value='No'  id='choice_1_79_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_79_1' id='label_1_79_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_81\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_81'>Please provide details<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_81' id='input_1_81' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_82\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_82'>Are there any other details, objectives or requirements you need to let us know about?<\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_82' id='input_1_82' class='textarea large'      aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_1_296\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_296'>Referrer&#039;s Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_296' id='input_1_296' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_1_286' class='gform_previous_button gform-theme-button gform-theme-button--secondary button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='previous' value='Previous'  \/> <input type='button' id='gform_next_button_1_286' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next'  \/> <button type='button'  id='gform_save_1_5_link' onclick='gform.submission.handleButtonClick(this);' data-submission-type='save-continue' class='gform_save_link gform-theme-button gform-theme-button--secondary button'  ><svg aria-hidden=\"true\" focusable=\"false\" width=\"16\" height=\"16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0 8a4 4 0 004 4h3v3a1 1 0 102 0v-3h3a4 4 0 100-8 4 4 0 10-8 0 4 4 0 00-4 4zm9 4H7V7.414L5.707 8.707a1 1 0 01-1.414-1.414l3-3a1 1 0 011.414 0l3 3a1 1 0 01-1.414 1.414L9 7.414V12z\" fill=\"#6B7280\"\/><\/svg> Save and Continue Later<\/button>\n                    <\/div>\n                <\/div>\n                <div id='gform_page_1_5' class='gform_page' data-js='page-field-id-286' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_1_5' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_1_272\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/editdata.mso\">\n\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/item0014.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/props015.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/item0016.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/props017.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/item0018.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/props019.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/item0020.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/props021.xml\">\n<link rel=themeData\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/themedata.thmx\">\n<link rel=colorSchemeMapping\nhref=\"MW%20-%20Credit%20Guide%20-%20Anthony%20Roddy.fld\/colorschememapping.xml\">\n<\/head>\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>About Us<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Anthony Roddy<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Anthony<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Anthony Roddy<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0423 622 697<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>anthony_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>479258<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n     that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n     we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n     parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n     if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\nmust assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n\u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n     proposed loan or will only be able to repay the proposed loan with substantial\n     hardship; or<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n     requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n     situation; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n(i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\nfor requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n  assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\nand charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\nrelation to settled (drawn-down) loans and is calculated as a percentage of the\nloan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\nto settled (drawn-down) loans. It is calculated monthly on the outstanding loan\nbalance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\nby lenders are not payable by you. Details of commission to be received will be\nincluded in the Summary of Requirements and Credit Proposal document that we\nwill provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\nnon-commission benefit by way of training, professional development,\nentertainment, gift, conference attendance, sponsorship, or entry into a competition\nrun by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\nsuch arrangements are temporary, and the occurrence and amounts are often not\nreadily ascertainable, however if they are apparent as a result of assisting\nyou with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n     commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n     fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n     for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\npossible service, however we understand there may be times where you are not\nsatisfied. If this occurs please inform us verbally or in writing with the\nexact details of your complaint, so we can work towards a prompt and fair\nresolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Operating under <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> my top six lenders\nare as follows:<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>AMP<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Suncorp Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the lenders I am accredited with and loans\nsettled with these lenders in the last financial year.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk3992192\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\ntop six lenders and their respective share of loans settled<\/span><\/a><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> in the last completed financial year: <o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Lenders<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>% of total settlements<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>AMP<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>5.45%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>11.34%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>16.00%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>19.44%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>29.01%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suncorp Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>5.10%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The total number of lenders I have settled loans\nwith in the last completed financial year: <a name=\"_Hlk5013176\"><o:p><\/o:p><\/a><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:7.1pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:7.1pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Number of lenders used<\/span><\/b><\/span><span\n  style='mso-bookmark:_Hlk5013176'><b><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes;height:13.9pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:13.9pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>11<\/span><\/span><span\n  style='mso-bookmark:_Hlk5013176'><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n<\/table>\n\n<span style='mso-bookmark:_Hlk5013176'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Panel\nlenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n<\/tr>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:8'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:9'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:10'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:11'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:12'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:13'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:14'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:15'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:16'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:17'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n  (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:18'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n  Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:19'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n  Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:20'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:21'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:22'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:23'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:24'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:25'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:26'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:27'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:28'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:29'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:30'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:31'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:32'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:33'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:34'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:35'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:36'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n  Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:37'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:38'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:39'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:40'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:41'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:42'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:43'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:44'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:45'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:46'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:47'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\nhospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preferential service offerings and programs<\/span><\/b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>I have access to tiered servicing programs\nthrough the lenders listed below. These programs give you, as my customer\naccess to preferential services. Access to these programs is not based solely\non the volume of loans submitted and does not entitle me to any additional\ncommission outside of what I will disclose to you if a loan is submitted to one\nof these lenders. It should be noted that these preferential services do not\nprovide <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>customer<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> discounts.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=378\n style='width:10.0cm;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  mso-border-alt:solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:0cm;vertical-align:baseline'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Preferential\n  Service Lenders<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>&nbsp;<\/span><span\n  style='font-size:9.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Bankwest<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Commonwealth Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>ME Bank<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>NAB<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>St George Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Suncorp Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7;mso-yfti-lastrow:yes;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Westpac<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span\nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ncollect information about you for the purposes you agree to in this Privacy\nDisclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\nask us to assist, you agree we can, consistent with Australia\u2019s privacy and\ncredit reporting laws, collect, use and exchange consumer and\/or commercial\ncredit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\nto assist us to preliminarily assess your credit or guarantor application\n(references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\napplication, may disclose information about you to, and collect information\nabout you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first\noccurs. This will allow us to continue to provide our services to you without\nthe need to ask you to sign a new privacy statement and consent each time you\nrequire commercial credit within a 12-month period. The extended effectiveness\ndoes not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n  border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n  background1;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n  CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html>\n<\/div><div id=\"field_1_274\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=unicode\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/editdata.mso\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/item0014.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/props015.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/item0016.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/props017.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/item0018.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/props019.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/item0020.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/props021.xml\">\n<link rel=themeData\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/themedata.thmx\">\n<link rel=colorSchemeMapping\nhref=\"MW%20-%20Credit%20Guide%20-%20Nick%20Jacobs.fld\/colorschememapping.xml\">\n<\/head>\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Times New Roman\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>About Us<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:1.0pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Nicholas Jacobs<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Nicholas<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Nicholas Jacobs<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0439 662 889<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>nick_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>471686<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n     that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n     we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n     parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n     if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l3 level1 lfo2'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l3 level2 lfo2'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l3 level2 lfo2'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l3 level1 lfo2'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:white;mso-background-themecolor:background1;\n border-collapse:collapse;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:#F2F2F2;mso-themecolor:background1;mso-themeshade:242'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\nmust assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n\u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l2 level1 lfo3'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n     proposed loan or will only be able to repay the proposed loan with\n     substantial hardship; or<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l2 level1 lfo3'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n     requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n     situation; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n(i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\nfor requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Fees and charges that are payable by you in relation to our credit\n  assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\nand charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\nrelation to settled (drawn-down) loans and is calculated as a percentage of the\nloan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\nto settled (drawn-down) loans. It is calculated monthly on the outstanding loan\nbalance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\nby lenders are not payable by you. Details of commission to be received will be\nincluded in the Summary of Requirements and Credit Proposal document that we\nwill provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\nnon-commission benefit by way of training, professional development,\nentertainment, gift, conference attendance, sponsorship, or entry into a\ncompetition run by a lender or my aggregator, at no extra cost to you.&nbsp;The\nnature of such arrangements are temporary, and the occurrence and amounts are\noften not readily ascertainable, however if they are apparent as a result of\nassisting you with credit <\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>assistance<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n     commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n     fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n     for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\npossible service, however we understand there may be times where you are not\nsatisfied. If this occurs please inform us verbally or in writing with the\nexact details of your complaint, so we can work towards a prompt and fair\nresolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30 days,\nthen you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Operating under <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> my top six lenders\nare as follows:<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Bankwest<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the lenders I am accredited with and loans\nsettled with these lenders in the last financial year.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk3992192\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\ntop six lenders and their respective share of loans settled<\/span><\/a><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> in the last completed financial year: <o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Lenders<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>% of total settlements<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>39.31%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Bankwest<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>4.91%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>8.09%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>6.44%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>11.14%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>19.00%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The total number of lenders I have settled loans\nwith in the last completed financial year: <a name=\"_Hlk5013176\"><o:p><\/o:p><\/a><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:7.1pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:7.1pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Number of lenders used<\/span><\/b><\/span><span\n  style='mso-bookmark:_Hlk5013176'><b><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes;height:13.9pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:13.9pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>13<\/span><\/span><span\n  style='mso-bookmark:_Hlk5013176'><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n<\/table>\n\n<span style='mso-bookmark:_Hlk5013176'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Panel\nlenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>Lenders available<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>Lenders<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:1.0pt'> I am accredited <\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>with<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:8'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:9'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:10'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:11'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:12'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:13'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:14'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:15'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:16'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:17'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n  (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:18'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n  Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:19'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n  Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:20'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:21'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:22'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:23'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:24'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:25'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:26'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:27'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:28'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:29'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:30'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:31'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:32'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:33'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:34'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span\n            style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n <\/tr>\n <tr style='mso-yfti-irow:35'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:36'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n  Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:37'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:38'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:39'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:40'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:41'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:42'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:43'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:44'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:45'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:46'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:47'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'>x<\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Entertainment and hospitality register<\/span><\/b><b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\nhospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Preferential service offerings and programs<\/span><\/b><b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>I have access to tiered servicing programs\nthrough the lenders listed below. These programs give you, as my customer\naccess to preferential services. Access to these programs is not based solely\non the volume of loans submitted and does not entitle me to any additional\ncommission outside of what I will disclose to you if a loan is submitted to one\nof these lenders. It should be noted that these preferential services do not\nprovide <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>customer<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> discounts.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=378\n style='width:10.0cm;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  mso-border-alt:solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:0cm;vertical-align:baseline'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Preferential\n  Service Lenders<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>&nbsp;<\/span><span\n  style='font-size:9.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Bankwest<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Commonwealth Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>NAB<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>St George Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span class=normaltextrun><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Times New Roman\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:\nHelvetica'>Privacy disclosure statement<\/span><\/b><b><span style='font-size:\n18.0pt;mso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast'><o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Times New Roman\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:\nHelvetica'>Part A<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence<span\nstyle='mso-spacerun:yes'>\u00a0 <\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ncollect information about you for the purposes you agree to in this Privacy\nDisclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\nask us to assist, you agree we can, consistent with Australia\u2019s privacy and\ncredit reporting laws, collect, use and exchange consumer and\/or commercial\ncredit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its\nreport to assist us to preliminarily assess your credit or guarantor application\n(references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider which\nare reasonably necessary to manage the application process. When doing so, we\nare acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers. <span style='mso-spacerun:yes'>\u00a0<\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><\/span><\/a><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><\/span><\/a><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\napplication, may disclose information about you to, and collect information\nabout you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;mso-add-space:auto;text-align:justify;text-indent:\n-17.85pt;mso-list:l0 level1 lfo1'><span style='mso-bookmark:_Hlk58870645'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first\noccurs. This will allow us to continue to provide our services to you without\nthe need to ask you to sign a new privacy statement and consent each time you\nrequire commercial credit within a 12-month period. The extended effectiveness\ndoes not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><\/span><\/a><span style='mso-bookmark:_Hlk58870715'><span\nclass=MsoHyperlink><span lang=EN-US style='mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='mso-special-character:line-break;page-break-before:always'>\n<\/span>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n  border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n  background1;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n  CREDIT REPORTING SERVICES<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html>\n<\/div><div id=\"field_1_273\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/editdata.mso\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/item0014.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/props015.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/item0016.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/props017.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/item0018.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/props019.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/item0020.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/props021.xml\">\n<link rel=themeData\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/themedata.thmx\">\n<link rel=colorSchemeMapping\nhref=\"MW%20-%20Credit%20Guide%20-%20George%20Fennel.fld\/colorschememapping.xml\">\n<\/head>\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>About Us<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>George<span style='mso-spacerun:yes'>\u00a0 <\/span>Fennel<\/span> as our credit representative.\nThe details of <span style='mso-no-proof:yes'>George<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>George<span\n  style='mso-spacerun:yes'>\u00a0 <\/span>Fennel<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0452 501 252<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>george_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>439101<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n     that may be payable by you to <span class=GramE>us;<\/span><o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n     we are acting as a credit <span class=GramE>representative;<\/span><o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n     parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n     if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'>\n    <![if !supportLists]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>1.<span\n                style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n    <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:45.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'>\n    <![if !supportLists]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>a.<span\n                style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n    <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:45.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'>\n    <![if !supportLists]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>b.<span\n                style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n    <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\nmust assess whether the <span class=GramE>particular loan<\/span> is\n\u201cunsuitable\u201d. A loan will be \u201cunsuitable\u201d based on the information you provide\nto us if:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'>\n    <![if !supportLists]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>1.<span\n                style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n    <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n     proposed loan or will only be able to repay the proposed loan with substantial\n     hardship; or<o:p><\/o:p><\/span><\/li>\n <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n     requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and <span class=GramE>objectives;<\/span><o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n     situation; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract (<span\nclass=GramE>i.e.<\/span> the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\nfor requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n  assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the <span class=GramE>particular\nloan<\/span> contract documentation for further details of <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>any<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> such fees and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\nrelation to settled (<span class=GramE>drawn-down<\/span>) loans and is\ncalculated as a percentage of the loan amount. It is usually paid after\nsettlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\nto settled (<span class=GramE>drawn-down<\/span>) loans. It is calculated monthly\non the outstanding loan balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\nby lenders are not payable by you. Details of commission to be received will be\nincluded in the Summary of Requirements and Credit Proposal document that we\nwill provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\nnon-commission benefit by way of training, professional development,\nentertainment, gift, conference attendance, sponsorship, or entry into a competition\nrun by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\nsuch arrangements <span class=GramE>are<\/span> temporary, and the occurrence\nand amounts are often not readily ascertainable, however if they are apparent\nas a result of assisting you with credit <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>assistance<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>,\nthis will be disclosed to you.<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n     commission that is paid by the particular <span class=GramE>lender;<\/span><o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n     fee for our <span class=GramE>business;<\/span><o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n     for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in the Summary of Requirements and Credit Proposal document we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\npossible service, however we understand there may be times where you are not\nsatisfied. If this <span class=GramE>occurs<\/span> please inform us verbally or\nin writing with the exact details of your complaint, so we can work towards a\nprompt and fair resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party.The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore <span class=GramE>provide assistance to<\/span> obtain loans for\nyou from a panel of lenders. The following are the\nlenders through which we have conducted the most business over the last 12\nmonths.<o:p><\/o:p><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Operating under <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> my top six lenders\nare as follows:<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Bankwest<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Suncorp Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'><\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the lenders I am accredited <span\nclass=GramE>with<\/span> and loans settled with these lenders in the last\nfinancial year.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\ntop six lenders and their respective share of loans settled<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> in the last completed financial year: <o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Lenders<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>% of total settlements<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Bankwest<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>5.27%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>12.35%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>12.91%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>9.34%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>40.79%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suncorp Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>4.74%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The total number of lenders I have settled loans\nwith in the last completed financial year:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:7.1pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:7.1pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Number of lenders used<\/span><\/b><\/span><span\n  style='mso-bookmark:_Hlk5013176'><b><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes;height:13.9pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:13.9pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>15<\/span><\/span><span\n  style='mso-bookmark:_Hlk5013176'><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n<\/table>\n\n<span style='mso-bookmark:_Hlk5013176'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Panel\nlenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:8'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:9'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:10'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:11'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:12'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:13'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:14'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:15'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:16'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:17'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n  (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:18'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n  Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:19'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n  Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:20'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:21'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:22'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:23'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:24'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:25'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:26'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:27'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:28'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:29'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:30'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:31'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:32'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:33'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:34'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:35'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:36'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n  Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:37'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:38'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:39'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:40'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:41'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:42'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:43'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:44'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:45'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:46'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:47'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\nhospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preferential service offerings and programs<\/span><\/b><b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>I have access to tiered servicing programs\nthrough the lenders listed below. These programs give you, as my customer\naccess to preferential services. Access to these programs is not based solely\non the volume of loans submitted and does not entitle me to any additional\ncommission outside of what I will disclose to you if a loan is submitted to one\nof these lenders. It should be noted that these preferential services do not\nprovide <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>customer<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> discounts.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=378\n style='width:10.0cm;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  mso-border-alt:solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:0cm;vertical-align:baseline'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Preferential\n  Service Lenders<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>&nbsp;<\/span><span\n  style='font-size:9.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Bankwest<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Commonwealth Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>NAB<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>St George Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5;mso-yfti-lastrow:yes;height:15.0pt'>\n  <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n  <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Suncorp Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;border:none;\n mso-border-bottom-alt:solid windowtext 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <span style='mso-no-proof:\nyes'>24645767184<\/span> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit <span\nclass=GramE>Licence <span style='mso-spacerun:yes'>\u00a0<\/span><span\nstyle='mso-no-proof:yes'>389328<\/span><\/span> (\u2018we, us, our\u2019).<span\nstyle='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe, us, our\u201d are to the\nBroker and will include reference to our aggregator, Connective Broker Services\nPty Ltd and any of its related companies (\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ncollect information about you for the purposes you agree to in this Privacy\nDisclosure Statement and Consent (\u201cConsent\u201d).When you\nask us to assist, you agree we can, consistent with Australia\u2019s privacy and\ncredit reporting laws, collect, use and exchange consumer and\/or commercial\ncredit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> information\u201d\nmay include any sensitive information (including health information) and may\ninclude any information you tell us about any vulnerability you may have. We\nmay use that information to assess your application and, where appropriate, to\nsource a suitable credit provider or lessor and \/ or insurance provider. We\nmay, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its\nreport to assist us to preliminarily assess your credit or guarantor\napplication (references to a \u201cCRS\u201d could be to either a Consumer CRS or a\nCommercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we <span\nclass=GramE>submit an application<\/span>, may disclose information about you\nto, and collect information about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you (<span\nclass=GramE>e.g.<\/span> hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any <span class=GramE>finances<\/span> you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any <span class=GramE>insurances<\/span> you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:39.95pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians, <span\nclass=SpellE>securitisers<\/span> and computer systems consultants or providers,\nso they can perform those services for us. Some of which may be located\noverseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (<span class=GramE>e.g.<\/span> hardcopy or\nemail).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to <span class=GramE>this ceases<\/span> when you either withdraw\nit by contacting us using our details above or 12 months after you sign below,\nwhichever first occurs. This will allow us to continue to provide our services\nto you without the need to ask you to sign a new privacy statement and consent\neach time you require commercial credit within a 12-month period. The extended\neffectiveness does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and <\/span><\/b><span\nclass=GramE><span style='mso-bookmark:_Hlk58870715'><b><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>disclose<\/span><\/b><\/span><\/span><span style='mso-bookmark:_Hlk58870715'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this <span class=GramE>document<\/span>\nyou authorise the Broker or Connective to obtain a credit report on your\nbehalf.<\/span><\/b><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"HelveticaNeueLT Std Lt\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='mso-special-character:line-break;page-break-before:always'>\n<\/span>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt;mso-border-insideh:\n none;mso-border-insidev:none'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n  mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n  CREDIT REPORTING SERVICES<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:none;border-bottom:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span class=SpellE><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>illion<\/span><\/b><\/span><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;border-bottom:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border:none;border-bottom:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html>\n<\/div><div id=\"field_1_276\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=unicode\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/editdata.mso\">\n\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/item0014.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/props015.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/item0016.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/props017.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/item0018.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/props019.xml\">\n<link rel=dataStoreItem\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/item0020.xml\"\ntarget=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/props021.xml\">\n<link rel=themeData\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/themedata.thmx\">\n<link rel=colorSchemeMapping\nhref=\"MW%20-%20Credit%20Guide%20-%20Tom%20Schofield.fld\/colorschememapping.xml\">\n<\/head>\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Times New Roman\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>About Us<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:1.0pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Tom Schofield<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Tom<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Tom Schofield<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0426 973 924<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>tom_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>545267<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are required\nto be transparent about products, your options, applicable fees, and charges as\nwell any conflicts of interest. They will communicate in simple to understand\nlanguage and act with the highest standards of integrity. They are committed to\nensuring the product selected will meet your needs, requirements and be in your\nbest interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information about\nus, the services we provide and the activities of the credit representative\noperating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n     that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n     we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n     parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n     if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l3 level1 lfo2'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l3 level2 lfo2'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l3 level2 lfo2'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l3 level1 lfo2'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\nmust assess whether the particular loan is \u201cunsuitable\u201d. A loan will be \u201cunsuitable\u201d\nbased on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l2 level1 lfo3'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n     proposed loan or will only be able to repay the proposed loan with\n     substantial hardship; or<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l2 level1 lfo3'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n     requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n     situation; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n(i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\nfor requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Fees and charges that are payable by you in relation to our credit\n  assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\nand charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\nrelation to settled (drawn-down) loans and is calculated as a percentage of the\nloan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\nto settled (drawn-down) loans. It is calculated monthly on the outstanding loan\nbalance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\nby lenders are not payable by you. Details of commission to be received will be\nincluded in the Summary of Requirements and Credit Proposal document that we\nwill provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\nnon-commission benefit by way of training, professional development,\nentertainment, gift, conference attendance, sponsorship, or entry into a\ncompetition run by a lender or my aggregator, at no extra cost to you.&nbsp;The\nnature of such arrangements are temporary, and the occurrence and amounts are\noften not readily ascertainable, however if they are apparent as a result of\nassisting you with credit <\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>assistance<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n     commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n     fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n     for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\npossible service, however we understand there may be times where you are not\nsatisfied. If this occurs please inform us verbally or in writing with the\nexact details of your complaint, so we can work towards a prompt and fair\nresolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards to\ncomplaints resolution, we are mindful of the need to ensure that consumers are\ntreated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Operating under <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> my top six lenders\nare as follows:<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>ING<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the lenders I am accredited with and loans\nsettled with these lenders in the last financial year.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk3992192\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\ntop six lenders and their respective share of loans settled<\/span><\/a><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> in the last completed financial year: <o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Lenders<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>% of total settlements<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>30.41%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>37.91%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>ING<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>13.98%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>4.54%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>4.43%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>8.73%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The total number of lenders I have settled\nloans with in the last completed financial year: <a name=\"_Hlk5013176\"><o:p><\/o:p><\/a><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:7.1pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:7.1pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Number of lenders used<\/span><\/b><\/span><span\n  style='mso-bookmark:_Hlk5013176'><b><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes;height:13.9pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:13.9pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><\/span><span\n  style='mso-bookmark:_Hlk5013176'><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n<\/table>\n\n<span style='mso-bookmark:_Hlk5013176'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Panel\nlenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>Lenders available<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>Lenders<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:1.0pt'> I am accredited <\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>with<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:8'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:9'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:10'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:11'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:12'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:13'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:14'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:15'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:16'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:17'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n  (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:18'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n  Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:19'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n  Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:20'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:21'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:22'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:23'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:24'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:25'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:26'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:27'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:28'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:29'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:30'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:31'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:32'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:33'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:34'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:35'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:36'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n  Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:37'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:38'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:39'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:40'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:41'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:42'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:43'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:44'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:45'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:46'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:47'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Entertainment and hospitality register<\/span><\/b><b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\nhospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'> this Credit Guide or anything\nelse regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Times New Roman\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:\nHelvetica'>Privacy disclosure statement<\/span><\/b><b><span style='font-size:\n18.0pt;mso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast'><o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Times New Roman\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:\nHelvetica'>Part A<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span\nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ncollect information about you for the purposes you agree to in this Privacy\nDisclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\nask us to assist, you agree we can, consistent with Australia\u2019s privacy and\ncredit reporting laws, collect, use and exchange consumer and\/or commercial\ncredit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its\nreport to assist us to preliminarily assess your credit or guarantor\napplication (references to a \u201cCRS\u201d could be to either a Consumer CRS or a\nCommercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information. Access\nto your information is restricted to those employees whose job requires that\ninformation. Access to our premises and computer systems is restricted through\nlocks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><\/span><\/a><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><\/span><\/a><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\napplication, may disclose information about you to, and collect information\nabout you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;mso-add-space:auto;text-align:justify;text-indent:\n-17.85pt;mso-list:l0 level1 lfo1'><span style='mso-bookmark:_Hlk58870645'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians, <span\nclass=SpellE>securitisers<\/span> and computer systems consultants or providers,\nso they can perform those services for us. Some of which may be located\noverseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first\noccurs. This will allow us to continue to provide our services to you without\nthe need to ask you to sign a new privacy statement and consent each time you\nrequire commercial credit within a 12-month period. The extended effectiveness\ndoes not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><\/span><\/a><span style='mso-bookmark:_Hlk58870715'><span\nclass=MsoHyperlink><span lang=EN-US style='mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do so,\nwe may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='mso-special-character:line-break;page-break-before:always'>\n<\/span>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n  border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n  background1;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n  CREDIT REPORTING SERVICES<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span class=SpellE><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>illion<\/span><\/b><\/span><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html>\n<\/div><div id=\"field_1_275\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=unicode\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"MW%20-%20Credit%20Guide%20-%20Jack%20Greentree.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"MW%20-%20Credit%20Guide%20-%20Jack%20Greentree.fld\/editdata.mso\">\n<\/head>\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Times New Roman\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>About Us<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:1.0pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Jackson Greentree<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Jackson<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Jackson Greentree<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0419 169 166<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>jack_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>541159<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are required\nto be transparent about products, your options, applicable fees, and charges as\nwell any conflicts of interest. They will communicate in simple to understand\nlanguage and act with the highest standards of integrity. They are committed to\nensuring the product selected will meet your needs, requirements and be in your\nbest interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information about\nus, the services we provide and the activities of the credit representative\noperating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n     that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n     we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n     parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n     if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l3 level1 lfo2'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l3 level2 lfo2'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l3 level2 lfo2'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l3 level1 lfo2'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\nmust assess whether the particular loan is \u201cunsuitable\u201d. A loan will be \u201cunsuitable\u201d\nbased on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l2 level1 lfo3'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n     proposed loan or will only be able to repay the proposed loan with\n     substantial hardship; or<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l2 level1 lfo3'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n     requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n     situation; and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n(i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\nfor requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Fees and charges that are payable by you in relation to our credit\n  assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\nand charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\nrelation to settled (drawn-down) loans and is calculated as a percentage of the\nloan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\nto settled (drawn-down) loans. It is calculated monthly on the outstanding loan\nbalance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\nby lenders are not payable by you. Details of commission to be received will be\nincluded in the Summary of Requirements and Credit Proposal document that we\nwill provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\nnon-commission benefit by way of training, professional development,\nentertainment, gift, conference attendance, sponsorship, or entry into a\ncompetition run by a lender or my aggregator, at no extra cost to you.&nbsp;The\nnature of such arrangements are temporary, and the occurrence and amounts are\noften not readily ascertainable, however if they are apparent as a result of\nassisting you with credit <\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>assistance<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n     commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n     fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n <li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n     for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\npossible service, however we understand there may be times where you are not\nsatisfied. If this occurs please inform us verbally or in writing with the\nexact details of your complaint, so we can work towards a prompt and fair\nresolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards to\ncomplaints resolution, we are mindful of the need to ensure that consumers are\ntreated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Operating under <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> my top six lenders\nare as follows:<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>ING<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the lenders I am accredited with and loans\nsettled with these lenders in the last financial year.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk3992192\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\ntop six lenders and their respective share of loans settled<\/span><\/a><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> in the last completed financial year: <o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Lenders<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>% of total settlements<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>17.67%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>14.05%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>ING<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>8.35%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>14.55%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>8.92%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.64%;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.36%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>29.64%<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The total number of lenders I have settled\nloans with in the last completed financial year: <a name=\"_Hlk5013176\"><o:p><\/o:p><\/a><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:7.1pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:7.1pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>Number of lenders used<\/span><\/b><\/span><span\n  style='mso-bookmark:_Hlk5013176'><b><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/b><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes;height:13.9pt'>\n  <td width=285 valign=top style='width:214.0pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:13.9pt'>\n  <p class=MsoNormal><span style='mso-bookmark:_Hlk5013176'><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>9<\/span><\/span><span\n  style='mso-bookmark:_Hlk5013176'><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n  <\/td>\n  <span style='mso-bookmark:_Hlk5013176'><\/span>\n <\/tr>\n<\/table>\n\n<span style='mso-bookmark:_Hlk5013176'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Panel\nlenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>Lenders available<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>Lenders<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:1.0pt'> I am accredited <\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:1.0pt'>with<\/span><\/b><b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:8'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:9'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:10'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:11'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:12'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:13'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:14'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:15'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:16'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:17'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n  (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:18'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n  Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:19'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n  Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:20'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:21'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:22'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:23'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:24'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:25'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:26'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:27'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:28'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:29'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:30'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:31'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:32'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:33'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:34'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:35'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:36'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n  Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:37'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:38'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:39'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:40'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:41'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:42'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:43'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:44'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:45'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:46'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:47'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n  <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Entertainment and hospitality register<\/span><\/b><b><span\n  style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\nhospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  1.0pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:1.0pt'> this Credit Guide or anything\nelse regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Times New Roman\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:\nHelvetica'>Privacy disclosure statement<\/span><\/b><b><span style='font-size:\n18.0pt;mso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast'><o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Times New Roman\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:\nHelvetica'>Part A<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span\nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ncollect information about you for the purposes you agree to in this Privacy\nDisclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\nask us to assist, you agree we can, consistent with Australia\u2019s privacy and\ncredit reporting laws, collect, use and exchange consumer and\/or commercial\ncredit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:105%;mso-list:l1 level2 lfo4'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:105%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its\nreport to assist us to preliminarily assess your credit or guarantor\napplication (references to a \u201cCRS\u201d could be to either a Consumer CRS or a\nCommercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information. Access\nto your information is restricted to those employees whose job requires that\ninformation. Access to our premises and computer systems is restricted through\nlocks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><\/span><\/a><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\nhref=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><\/span><\/a><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\napplication, may disclose information about you to, and collect information\nabout you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l1 level2 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black;border:none windowtext 1.0pt;\nmso-border-alt:none windowtext 0cm;padding:0cm'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;mso-add-space:auto;text-align:justify;text-indent:\n-17.85pt;mso-list:l0 level1 lfo1'><span style='mso-bookmark:_Hlk58870645'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first\noccurs. This will allow us to continue to provide our services to you without\nthe need to ask you to sign a new privacy statement and consent each time you\nrequire commercial credit within a 12-month period. The extended effectiveness\ndoes not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><\/span><\/a><span style='mso-bookmark:_Hlk58870715'><span\nclass=MsoHyperlink><span lang=EN-US style='mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do so,\nwe may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l0 level1 lfo1'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='mso-special-character:line-break;page-break-before:always'>\n<\/span>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n  border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n  background1;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n  CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html>\n<\/div><div id=\"field_1_293\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Lionel%20Bustamante.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Lionel%20Bustamante.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Lionel Bustamante<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Lionel<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Lionel Bustamante<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0407 899 899<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>lionelb@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>552652<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Operating under Connective Credit Services Pty Ltd my top six lenders are as follows:\n<o:p><\/o:p><\/span><\/p>\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ING<\/span>\n    <o:p><\/o:p>\n  <\/span><\/p>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\n  margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\n  none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>La Trobe Financial<\/span>\n      <o:p><\/o:p>\n    <\/span><\/p>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\n      margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\n      none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span>\n        <o:p><\/o:p>\n      <\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 09\/10\/2023 therefore there is no settlement\ndata for the previous financial year.Panel<\/span>\nlenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span \n    style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:31'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n              none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n              padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n              mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n              mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n              style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n              mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span\n     style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n    <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preferential service offerings and programs<\/span><\/b><span\n   style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>I have access to tiered servicing programs\n    through the lenders listed below. These programs give you, as my customer\n    access to preferential services. Access to these programs is not based solely\n    on the volume of loans submitted and does not entitle me to any additional\n    commission outside of what I will disclose to you if a loan is submitted to one\n    of these lenders. It should be noted that these preferential services do not\n    provide <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>customer<\/span><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> discounts.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=378 \nstyle='width:10.0cm;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  mso-border-alt:solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:0cm;vertical-align:baseline'><b><span \n      style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Preferential\n            Service Lenders<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>&nbsp;<\/span><span\n   style='font-size:9.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Bankwest<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:2;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Commonwealth Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:3;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>ME Bank<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>NAB<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>St George Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Suncorp Bank<\/span><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7;mso-yfti-lastrow:yes;height:15.0pt'>\n    <td width=378 valign=top style='width:10.0cm;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\n  solid windowtext .75pt;padding:0cm 0cm 0cm 0cm;height:15.0pt'>\n      <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  mso-no-proof:yes'>Westpac<\/span><span style='font-size:10.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_294\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Justin%20Burdus.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Justin%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Justin Burdus<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Justin<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Justin Burdus<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0434 629 338<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>justinburdus@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>547960<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>My top six lenders as a representative of Connective Credit Services Pty Ltd are not available as I commenced Connective\nCredit Services Pty Ltd as their representative on 23\/01\/2024 and have no settlements as at the date of this credit\nguide.\n<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 23\/01\/2024 therefore there is no settlement\ndata for the previous financial year.Panel<\/span>\nlenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n          style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span \n    style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n              none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n              padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n              mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n              mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n               style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n              mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:31'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n      mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n    <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n            mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n            mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_297\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Justin%20Burdus.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Justin%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Michal Fort-Williams<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Justin<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Michal Fort-Williams<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0438 358 226<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>michal_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>554486<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>My top six lenders as a representative of Connective Credit Services Pty Ltd are not available as I commenced Connective\nCredit Services Pty Ltd as their representative on 18\/12\/2023 and have no settlements as at the date of this credit\nguide.\n<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 23\/01\/2024 therefore there is no settlement\ndata for the previous financial year. \nPanel lenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n      <\/td>\n      <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n      <\/td>\n    \n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n          style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n              none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n              padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n              mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n              mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n               style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n              mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:31'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n      mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n    <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n    <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_298\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Xavier%20Burdus.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Xavier%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Xavier McCoy<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Xavier<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Xavier McCoy<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0410 990 991<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>xaviermccoy@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>557727<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 20, 567 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>My top six lenders as a representative of Connective Credit Services Pty Ltd are not available as I commenced Connective\nCredit Services Pty Ltd as their representative on 18\/04\/2024 and have no settlements as at the date of this credit\nguide.\n<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 23\/01\/2024 therefore there is no settlement\ndata for the previous financial year. \nPanel lenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n      <\/td>\n      <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n      <\/td>\n    \n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n            mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n        <\/tr>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n              none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n              padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n              mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n              mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n              mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n      mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:31'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n      mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n    <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_299\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Jo-Lene%20Burdus.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Jo-Lene%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Jo-Lene Dendle<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Jo-Lene<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Jo-Lene Dendle<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0448 306 260<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>jolenedendle@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>563197<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>My top six lenders as a representative of Connective Credit Services Pty Ltd are not available as I commenced Connective\nCredit Services Pty Ltd as their representative on 17\/10\/2024 and have no settlements as at the date of this credit\nguide.\n<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 23\/01\/2024 therefore there is no settlement\ndata for the previous financial year. \nPanel lenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n      <\/td>\n      <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n      <\/td>\n    \n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\nnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\npadding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\nmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\nmso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Bridge (Bridgit)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n    <o:p><\/o:p>\n  <\/span><\/p>\n<\/tr>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n    <o:p><\/o:p>\n  <\/span><\/p>\n<\/tr>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n              <o:p><\/o:p>\n          <\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n              <o:p><\/o:p>\n          <\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n      mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:31'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Loanave<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n    <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\nnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\npadding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_300\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Lewis Wigington<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Lewis<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Lewis Wigington<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0424 293 343<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>lewisw@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>560242<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Operating under <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> my top six lenders\nare as follows:<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<span style='mso-no-proof:yes'>Australian Military Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 09\/07\/2024 therefore there is no settlement\ndata for the previous financial year. \nPanel lenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n      <\/td>\n      <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n      <\/td>\n    \n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\nnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\npadding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\nmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\nmso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n      mso-bidi-font-family:Arial'>\n          <o:p><\/o:p>\n        <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Bridge (Bridgit)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n    <o:p><\/o:p>\n  <\/span><\/p>\n<\/tr>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n    <o:p><\/o:p>\n  <\/span><\/p>\n<\/tr>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'>\n        <o:p><\/o:p>\n      <\/span><\/p>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n              <o:p><\/o:p>\n          <\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n              <o:p><\/o:p>\n          <\/span><\/p>\n  <\/td>\n  <\/tr>\n  \n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n   <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n   none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n   padding:0cm 5.4pt 0cm 5.4pt'>\n       <p class=MsoNormal align=center style='text-align:center'><span \n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n   mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n   mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n   mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n     <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span \n        style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n      <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n        \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span\n         style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n      <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n  \"Segoe UI Symbol\"'>\u2713<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n    <\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\nnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\npadding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_301\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Luke Barnes<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Lewis<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Luke Barnes<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0425 172 855<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>luke_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>530402<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>My top six lenders as a representative of Connective Credit Services Pty Ltd are not available as I\ncommenced Connective Credit Services Pty Ltd as their representative on 02\/10\/2024 and have no\nsettlements as at the date of this credit guide. <\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 02\/10\/2024 therefore there is no settlement\ndata for the previous financial year. \nPanel lenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n      <\/td>\n\t  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\t  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\t  padding:0cm 5.4pt 0cm 5.4pt'>\n\t\t  <p class=MsoNormal align=center style='text-align:center'><span\n\t\t   style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\t  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n\t\t<\/td>\n    \n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t\t<p class=MsoNormal align=center style='text-align:center'><span\n\t\t style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n\t  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n\t\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Bridge (Bridgit)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  \n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n   <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n   none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n   padding:0cm 5.4pt 0cm 5.4pt'>\n       <p class=MsoNormal align=center style='text-align:center'><span \n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n   mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n   mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n   mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n     <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span \n        style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n      <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_302\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\"\nxmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 15\">\n<link rel=File-List\nhref=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/filelist.xml\">\n<link rel=Edit-Time-Data\nhref=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n<div class=WordSection1>\n\n<h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n<![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n<![endif]><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'><o:p><\/o:p><\/span><\/h1>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n  <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> <o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span\nstyle='letter-spacing:.15pt'> <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span\nstyle='letter-spacing:-.05pt'> <\/span>Credit<span style='letter-spacing:-.05pt'>\n<\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span\nstyle='letter-spacing:-.2pt'> <\/span>2009. <br>\nThe details of our licence are as follows:<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n  Pty Ltd<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins\n  Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n  Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Max Meagher<\/span> as our credit representative. The details of <span\nstyle='mso-no-proof:yes'>Lewis<\/span>\u2019s authorisation are:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Max Meagher<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n  Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2;height:6.85pt'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0426 784 241<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>max_updates@mworks.com.au<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n  Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>563189<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\nrequire our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\nrequired to be transparent about products, your options, applicable fees, and\ncharges as well any conflicts of interest. They will communicate in simple to\nunderstand language and act with the highest standards of integrity. They are\ncommitted to ensuring the product selected will meet your needs, requirements\nand be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\nabout us, the services we provide and the activities of the credit\nrepresentative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n            that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n            we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n            parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n            if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\nsoon as practicable after it becomes apparent that we are likely to provide\ncredit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n     for:<o:p><\/o:p><\/span><\/li>\n <ol style='margin-top:0cm' start=1 type=a>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n      lender; or<o:p><\/o:p><\/span><\/li>\n  <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n      with a particular lender; or<o:p><\/o:p><\/span><\/li>\n <\/ol>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\nremain in an existing loan contract.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n        must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n        \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n<ol style='margin-top:0cm' start=1 type=1>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n            proposed loan or will only be able to repay the proposed loan with substantial\n            hardship; or<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n            requirements and objectives.<o:p><\/o:p><\/span><\/li>\n<\/ol>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\nproposed loan is not unsuitable by way of completing a Preliminary Assessment.\nThe Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n            situation; and<o:p><\/o:p><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare also required to take reasonable steps to verify information provided by\nyou to us.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nverification may include:<o:p><\/o:p><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n     documents that demonstrate your financial situation - in some cases we may\n     also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n     information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\na copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\nwith credit assistance, you may request a copy of our Preliminary Assessment\nanytime for up to 7 years and we must provide you with a copy of the assessment\nwithin the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n  Day*<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n  possible after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n  after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n  <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n  years after the Credit Day<o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n  days after we receive your request<o:p><\/o:p><\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n        (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n        for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                        assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nmay charge a fee for providing credit assistance to you. If applicable, details\nabout these fees payable by you will be set out in a Credit Quote which we will\ngive you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\nfees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n(such as application fees, valuation costs and other applicable fees) to the\nlender or other parties. You should review the particular loan contract\ndocumentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n    and charges.<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\nand then pays us commission in relation to loan contracts (such as home and\ninvestment property loans).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n        relation to settled (drawn-down) loans and is calculated as a percentage of the\n        loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n        to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n        balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n        by lenders are not payable by you. Details of commission to be received will be\n        included in the Summary of Requirements and Credit Proposal document that we\n        will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n        non-commission benefit by way of training, professional development,\n        entertainment, gift, conference attendance, sponsorship, or entry into a competition\n        run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n        such arrangements are temporary, and the occurrence and amounts are often not\n        readily ascertainable, however if they are apparent as a result of assisting\n        you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\nloan products through the services of our aggregator Connective Broker Services\nPty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\nAustralian Credit Licence 389328. The aggregator charges us a fee depending on\nour contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n<ul style='margin-top:0cm' type=disc>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n    <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n<\/ul>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\nare transparent and do not influence the broker or consumer choice. Connective\nis committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\nincluding accountants, financial planners, real estate agents and other people.\nIf you were introduced or referred to us, we may pay the referrer a commission\nor a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\ncommission or fees being paid to the referrer will be included in <a\nname=\"_Hlk58869893\">the Summary of Requirements and Credit Proposal document <\/a>we\nprovide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n        <\/td>\n    <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n        possible service, however we understand there may be times where you are not\n        satisfied. If this occurs please inform us verbally or in writing with the\n        exact details of your complaint, so we can work towards a prompt and fair\n        resolution.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\nresolution, you can make a complaint in writing to the Australian Credit\nLicence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\nto complaints resolution, we are mindful of the need to ensure that consumers\nare treated fairly and with respect during the complaints handling\nprocess.&nbsp;Any dissatisfaction with a credit representative operating under\nthe licence will be handled in an efficient, timely and effective manner in\naccordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\nLtd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\nand Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins Street,\nMelbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nhope that you will be satisfied with how we deal with your complaint. However,\nif your concerns remain unresolved, or you have not heard from us within 30\ndays, then you can have your complaint heard by an independent party. <a\nname=\"_Hlk528910978\">The complaint can be lodged with the Australian Financial\nComplaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\nComplaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\nso you should act promptly or otherwise consult the AFCA website to find out if\nor when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528910978'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n    <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n        <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n            <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\ndon\u2019t provide legal or financial planning advice. It is important you\nunderstand your legal obligations under the loan, and the financial\nconsequences. If you have any doubts, you should obtain independent legal and\nfinancial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\nstyle='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\nbefore you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk528911070'><\/span>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n<td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\nand therefore provide assistance to obtain loans for you from a panel of\nlenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\nhave conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk5013144'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>St George Bank<\/span><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth\nBank<\/span><o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>My top six lenders as a representative of Connective Credit Services Pty Ltd are not available as I\ncommenced Connective Credit Services Pty Ltd as their representative on 17\/10\/2024 and have no\nsettlements as at the date of this credit guide. <\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n  <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\nsection provides information about the credit providers I am accredited with\nand the percentage of applications which have been submitted to lenders over\nthe last full financial year. Please note that I commenced operating under the\nlicence of Connective Credit Services Pty Ltd on 17\/10\/2024 therefore there is no settlement\ndata for the previous financial year. \nPanel lenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625\n style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n            style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n            <o:p><\/o:p>\n          <\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:1'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n      <\/td>\n      <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n    \n  <\/tr>\n  <tr style='mso-yfti-irow:2'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:3'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:4'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t\t<p class=MsoNormal align=center style='text-align:center'><span\n\t\t style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n\t  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:5'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:6'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:7'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:8'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:9'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:10'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:11'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:12'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:13'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:14'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n\t\"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:15'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Bridge (Bridgit)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <tr style='mso-yfti-irow:16'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:17'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n          (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <tr style='mso-yfti-irow:18'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Adelaide\n          Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:19'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n          Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:20'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:21'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:22'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:23'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:24'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:25'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n<p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'>\n      <o:p><\/o:p>\n  <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:26'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:27'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:28'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:29'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:30'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  \n  <tr style='mso-yfti-irow:32'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:33'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n       <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n       none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n       padding:0cm 5.4pt 0cm 5.4pt'>\n     <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n       \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n     <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:34'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span \n        style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n      <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:35'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span\n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:36'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n          Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n        <p class=MsoNormal align=center style='text-align:center'><span\n         style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n      <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:37'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:38'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span\n       style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:39'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:40'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n            <o:p><\/o:p>\n        <\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:41'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n\t<td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n\t  <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:42'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:43'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:44'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:45'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:46'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span \n  style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n    mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n<\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:47'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Virgin Money<\/span><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal align=center style='text-align:center'><span \n      style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n        mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span \n        style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n        mso-bidi-font-family:Arial'><o:p><\/o:p><\/span><\/p>\n    <\/td>\n  <\/tr>\n  <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n    <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n      <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'> <o:p><\/o:p><\/span><\/p>\n    <\/td>\n    <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n  <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\"\n style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span \n    style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n    hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" \nstyle='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n    <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n      <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'><o:p><\/o:p><\/span><\/b><\/p>\n    <\/td>\n  <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\nanything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\ncontact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\nstyle='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\nassist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span\nstyle='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br\nclear=all style='page-break-before:always;mso-break-type:section-break'>\n<\/span>\n\n<div class=WordSection2>\n\n<p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\ndisclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\nA<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nhandling your personal information, <span style='mso-no-proof:yes'>NGA\nFinancial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\nare committed to complying with the Privacy Act 1988 and the Australian Privacy\nPrinciples.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\nBrokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span \nstyle='mso-spacerun:yes'>\u00a0<\/span><span style='mso-no-proof:yes'>389328<\/span>\n(\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\nus, our\u201d are to the Broker and will include reference to our aggregator,\nConnective Broker Services Pty Ltd and any of its related companies\n(\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n    collect information about you for the purposes you agree to in this Privacy\n    Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n      ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n      credit reporting laws, collect, use and exchange consumer and\/or commercial\n      credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870224'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\nare collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\nfor you, or a company of which you are a director:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\ndomestic or residential investment purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'><![if !supportLists]><span\nstyle='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\na guarantor application, you will provide.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nyour broker, we require the information we collect from you to assess your\ncredit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\ncredit provider and any required insurances and to manage the application\nprocess, where required. If you do not provide the information sought, we may\nbe unable to process your application, or the company\u2019s application, or we may\nbe limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\na broad range of information from your name, address, and contact details to\nother information about your qualifications, employment history and financial\ninformation.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\ninformation\u201d may include any sensitive information (including health\ninformation) and may include any information you tell us about any\nvulnerability you may have. We may use that information to assess your\napplication and, where appropriate, to source a suitable credit provider or\nlessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\nconsumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\nreporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\nSchedule 1).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n        <\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n      to assist us to preliminarily assess your credit or guarantor application\n      (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\ninsurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870384'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\naggregators, licensees and other financial intermediaries, a credit provider or\ncredit providers to apply for finance on your behalf.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\npersonal information may be based overseas. It is not practicable to list every\ncountry in which such recipients are located but it is likely that such\ncountries will include the Philippines, India and Nepal.<b><i><o:p><\/o:p><\/i><\/b><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870384'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\npersonal information from misuse, interference, loss, unauthorised access,\nmodification, or exposure. All Connective staff are required by the terms of\ntheir employment to maintain the confidentiality of customer information.\nAccess to your information is restricted to those employees whose job requires\nthat information. Access to our premises and computer systems is restricted\nthrough locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\nde-identify your personal information when your personal information is no\nlonger required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870474'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\nproviding our services to you, we may undertake tasks for a credit provider\nwhich are reasonably necessary to manage the application process. When doing\nso, we are acting as agent for the credit provider, with the same privacy law\nrequirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\ncredit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\nlenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a\n    href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n style='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n          style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><\/span><a \n          href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n      style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span \nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n      application, may disclose information about you to, and collect information\n      about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\ndetails of each CRS with which it deals and other details about information\nheld about you, including whether that information may be held or disclosed\noverseas and, if so, in which countries. The websites also describe your key\nrights. These details may be described on the credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\nreporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\ncredit provider uses, the website details will include the following specific\ninformation:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\nprovider discloses about you to other credit providers to assess your credit\nworthiness.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\ncredit payments or commit a serious credit infringement, the credit provider\nmay disclose that information to the CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\nthe CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\nheld about you and to complain about conduct that may breach the privacy and\ncredit reporting laws.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\npre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870502'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\ninformation about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\nwill also be included by the credit provider who approves your application in\nthe privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\nit and how to obtain a copy of its privacy documents in a form that suits you\n(e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870502'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nassess your consumer or commercial credit and\/or guarantee application and\/or\nto assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any finances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\nsource any insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\nthe law authorises or requires.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\ncredit provider or insurer, information about you that is reasonably necessary\nto obtain the finance and insurances you require.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\ninformation about you, the applicant(s) or guarantor(s) that is reasonably\nnecessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\nreport(s), to one or more of the credit providers so they can assess your\napplication, or the application of a company of which you are a director, or\nyour suitability as a guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\nor prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\npermitted by law to other organisations that provide us with services, such as\ncontractors, agents, printers, mail houses, lawyers, document custodians,\nsecuritisers and computer systems consultants or providers, so they can perform\nthose services for us. Some of which may be located overseas.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870645'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\nacquired, an interest in our business or any rights under your contract with\nus, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870645'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\nrights <o:p><\/o:p><\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\nhave the right to ask: <o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\nhold about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\nincorrect.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\ndocument, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\nmarketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\ninformation it holds about you.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\ncan gain access to the information we hold about you by contacting our Privacy\nOfficer at the following address:<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\nsome cases, an administration fee may be charged to cover the cost of providing\nthe information. Our Privacy Policy also deals with our complaints process and\nis available on our website or we will provide you with a copy if you ask us.\nSchedule 1 at the end of this document sets out the contact details for each\nCRS.<o:p><\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\neffective for a period of 12 months, but only in relation to commercial credit.\nYour agreement to this ceases when you either withdraw it by contacting us\nusing our details above or 12 months after you sign below, whichever first \noccurs. This will allow us to continue to provide our services to you without\n the need to ask you to sign a new privacy statement and consent each time you\n require commercial credit within a 12-month period. The extended effectiveness\n does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\nor<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\nthe disclosure and use of your information, in addition to the company\u2019s\ninformation, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870703'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\ncollection and use of the information you have provided to us for the purposes\ndescribed above.<b><o:p><\/o:p><\/b><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\nhref=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span\nlang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\nstyle='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'><o:p><\/o:p><\/span><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span\nstyle='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span\nstyle='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/span><\/p>\n\n<\/div>\n\n<span style='mso-bookmark:_Hlk58870715'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span\nstyle='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\ninformation to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\nyour agent to obtain a report or information about your consumer or commercial\ncredit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\nso, we may disclose personal information such as your name, date of birth and\naddress to the CRS to obtain an assessment of whether that personal information\nmatches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\nBroker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\nand consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\nSchedule 1 disclosing information to a credit provider for the purpose of\nassessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\nassessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\nsuitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><![endif]><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\nguarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\nstyle='mso-bookmark:_Hlk58870745'><![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><\/span><![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\ndisclosing to another credit provider, to your agent, such as us as your\nbroker, or to a servicer, for a particular purpose, information it holds about\nyou.<o:p><\/o:p><\/span><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\nmaking a request on your behalf to obtain information about you from <\/span><\/span><span\nstyle='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span\nstyle='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\nprovider(s). That information will assist us in providing our services to you.<o:p><\/o:p><\/span><\/span><\/p>\n\n<span style='mso-bookmark:_Hlk58870745'><\/span>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n\n<table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0\n style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n  <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n        CREDIT REPORTING SERVICES<b><o:p><\/o:p><\/b><\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:1'>\n<td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n  <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n<\/td>\n<\/tr>\n<tr style='mso-yfti-irow:2'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:3'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span\n     style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span \n  style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span \n    style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span\n   style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'><o:p><\/o:p><\/span><\/p>\n  <\/td>\n  <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n  <\/td>\n<\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'><o:p>&nbsp;<\/o:p><\/span><\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_303\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full pagebreak gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><html xmlns:v=\"urn:schemas-microsoft-com:vml\" xmlns:o=\"urn:schemas-microsoft-com:office:office\"\n    xmlns:w=\"urn:schemas-microsoft-com:office:word\" xmlns:dt=\"uuid:C2F41010-65B3-11d1-A29F-00AA00C14882\"\n    xmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\" xmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n    <meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n    <meta name=ProgId content=Word.Document>\n    <meta name=Generator content=\"Microsoft Word 15\">\n    <meta name=Originator content=\"Microsoft Word 15\">\n    <link rel=File-List href=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/filelist.xml\">\n    <link rel=Edit-Time-Data href=\"Credit%20Guide%20-%20Lewis%20Burdus.fld\/editdata.mso\">\n\n\n<body lang=EN-AU link=blue vlink=\"#954F72\" style='tab-interval:36.0pt;\nword-wrap:break-word'>\n\n    <div class=WordSection1>\n\n        <h1 align=left style='margin-top:6.0pt;margin-right:0cm;margin-bottom:0cm;\nmargin-left:0cm;text-align:left'><span style='font-size:18.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\"Yu Mincho\";\nmso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US'>CREDIT GUIDE<\/span><span style='font-size:18.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:Calibri;\nmso-fareast-theme-font:minor-latin;mso-bidi-font-family:Helvetica;mso-font-kerning:\n0pt;mso-fareast-language:EN-US;mso-bidi-font-weight:bold'><br style='mso-special-character:\nline-break'>\n                <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'>\n                <![endif]>\n            <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-US'>\n                <o:p><\/o:p>\n            <\/span><\/h1>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;padding:0cm 5.4pt 0cm 5.4pt;height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:white;mso-color-alt:windowtext;\n  mso-font-kerning:.5pt'>About Us<\/span><\/b><b><span style='font-size:10.0pt;\n   font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\n                Ltd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <span style='mso-font-kerning:.5pt'>is<span style='letter-spacing:.15pt'>\n                    <\/span>licensed under the<span style='letter-spacing:\n-.15pt'> <\/span>National<span style='letter-spacing:-.05pt'> <\/span>Consumer<span style='letter-spacing:-.05pt'>\n                    <\/span>Credit<span style='letter-spacing:-.05pt'>\n                    <\/span>Protection<span style='letter-spacing:.15pt'> <\/span>Act<span style='letter-spacing:-.2pt'>\n                    <\/span>2009. <br>\n                    The details of our licence are as follows:<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Licensee Name<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services\n                            Pty Ltd<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:1'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins\n                            Street, Melbourne VIC 3000<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:2'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:3'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n                <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Australian Credit\n                                Licence<span style='letter-spacing:-.05pt'> <\/span>Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>389328<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have authorised <span style='mso-no-proof:\nyes'>Meagan Morris<\/span> as our credit representative. The details of <span style='mso-no-proof:yes'>Meagan<\/span>\u2019s\n                authorisation are:<o:p><\/o:p><\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.75pt solid windowtext;mso-border-insidev:\n .75pt solid windowtext'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> <b>Name<\/b><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Meagan Morris<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:1'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Address<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>Suite 702, 418A Elizabeth\n                            Street<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>SURRY HILLS NSW 2010<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:2;height:6.85pt'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Telephone<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt;height:6.85pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>0438 153 416<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:3'>\n                <td width=\"40%\" valign=top style='width:40.78%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-bottom-alt:solid windowtext .75pt;mso-border-right-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Email<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:\n  solid windowtext .75pt;mso-border-bottom-alt:solid windowtext .75pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>meagan_updates@mworks.com.au<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n                <td width=\"40%\" valign=top style='width:40.78%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .75pt;mso-border-top-alt:solid windowtext .75pt;\n  mso-border-right-alt:solid windowtext .75pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:5.3pt;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>Credit Representative\n                                Number<\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=\"59%\" valign=top style='width:59.22%;border:none;mso-border-top-alt:\n  solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:-1.0pt;margin-bottom:\n  3.0pt;margin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-no-proof:yes'>568584<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Your Best Interests<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our broker\u2019s priority is to you, their customer. We\n                require our brokers place your finance needs above those of anyone else.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Our brokers are\n                required to be transparent about products, your options, applicable fees, and\n                charges as well any conflicts of interest. They will communicate in simple to\n                understand language and act with the highest standards of integrity. They are\n                committed to ensuring the product selected will meet your needs, requirements\n                and be in your best interests at the time of assisting you obtaining finance.<o:p><\/o:p><\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Credit Guide<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>This Credit Guide contains important information\n                about us, the services we provide and the activities of the credit\n                representative operating under our credit licence. It also contains:<o:p><\/o:p><\/span><\/p>\n\n        <ul style='margin-top:0cm' type=disc>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about fees and charges\n                    that may be payable by you to us;<o:p><\/o:p><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may receive when\n                    we are acting as a credit representative;<o:p><\/o:p><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>commissions that we may pay to third\n                    parties for the introduction of business; and<o:p><\/o:p><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>information about what you should do\n                    if you have a complaint or dispute regarding our services and activities.<o:p><\/o:p><\/span><\/li>\n        <\/ul>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to provide this document to you as\n                soon as practicable after it becomes apparent that we are likely to provide\n                credit assistance to you. We provide \u201ccredit assistance\u201d when we:<o:p><\/o:p><\/span><\/p>\n\n        <ol style='margin-top:0cm' start=1 type=1>\n            <li class=MsoNormal style='mso-list:l19 level1 lfo18'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>Suggest or assist you in applying\n                    for:<o:p><\/o:p><\/span><\/li>\n            <ol style='margin-top:0cm' start=1 type=a>\n                <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>a particular loan with a particular\n                        lender; or<o:p><\/o:p><\/span><\/li>\n                <li class=MsoNormal style='mso-list:l19 level2 lfo18'><span style='font-size:\n      10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n      Helvetica;mso-fareast-language:EN-AU'>an increase to an existing loan\n                        with a particular lender; or<o:p><\/o:p><\/span><\/li>\n            <\/ol>\n        <\/ol>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:35.7pt;text-indent:-17.85pt;mso-list:l19 level1 lfo18'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"HelveticaNeueLT Std Lt\";mso-bidi-font-family:\"HelveticaNeueLT Std Lt\";\nmso-fareast-language:EN-AU'><span style='mso-list:Ignore'>2.<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Recommend that you\n                remain in an existing loan contract.<o:p><\/o:p><\/span>\n        <\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Preliminary Assessment<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Prior to providing credit assistance to you, we\n                must assess whether the particular loan is \u201cunsuitable\u201d. A loan will be\n                \u201cunsuitable\u201d based on the information you provide to us if:<o:p><\/o:p><\/span><\/p>\n\n        <ol style='margin-top:0cm' start=1 type=1>\n            <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>You will be unable to repay the\n                    proposed loan or will only be able to repay the proposed loan with substantial\n                    hardship; or<o:p><\/o:p><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l7 level1 lfo19'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>The proposed loan does not meet your\n                    requirements and objectives.<o:p><\/o:p><\/span><\/li>\n        <\/ol>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are required to document our findings that the\n                proposed loan is not unsuitable by way of completing a Preliminary Assessment.\n                The Preliminary Assessment will set out your:<o:p><\/o:p><\/span><\/p>\n\n        <ul style='margin-top:0cm' type=disc>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requirements and objectives;<o:p><\/o:p><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>financial and relevant personal\n                    situation; and<o:p><\/o:p><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>ability to repay the proposed loan.<o:p><\/o:p><\/span><\/li>\n        <\/ul>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n                are also required to take reasonable steps to verify information provided by\n                you to us.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\n                verification may include:<o:p><\/o:p><\/span><\/p>\n\n        <ul style='margin-top:0cm' type=disc>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>requesting you for copies of\n                    documents that demonstrate your financial situation - in some cases we may\n                    also need to sight original documents, and<o:p><\/o:p><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='font-size:\n     10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n     Helvetica;mso-fareast-language:EN-AU'>contacting t<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica'>hird parties to assist in verifying the\n                    information that you provide.<\/span><span style='font-size:10.0pt;\n     font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n     mso-fareast-language:EN-AU'>\n                    <o:p><\/o:p>\n                <\/span><\/li>\n        <\/ul>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Obtaining\n                    a copy of the Preliminary Assessment<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>If we provide you\n                with credit assistance, you may request a copy of our Preliminary Assessment\n                anytime for up to 7 years and we must provide you with a copy of the assessment\n                within the following timeframes:<o:p><\/o:p><\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;border-collapse:collapse;mso-yfti-tbllook:1184;mso-padding-alt:\n 0cm 5.4pt 0cm 5.4pt;mso-border-insideh:.5pt solid windowtext;mso-border-insidev:\n .5pt solid windowtext'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n                <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Your request is made:<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n                <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-left-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>We will give you your assessment:<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:1'>\n                <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Before the Credit\n                            Day*<o:p><\/o:p><\/span><\/p>\n                <\/td>\n                <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As soon as\n                            possible after we receive your request<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:2'>\n                <td width=\"45%\" valign=top style='width:45.18%;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Up to 2 years\n                            after the Credit Day<o:p><\/o:p><\/span><\/p>\n                <\/td>\n                <td width=\"54%\" valign=top style='width:54.82%;border:none;border-bottom:\n  solid windowtext 1.0pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:\n  solid windowtext .5pt;mso-border-bottom-alt:solid windowtext .5pt;padding:\n  0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 7 business\n                            days after we receive your request<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:3;mso-yfti-lastrow:yes'>\n                <td width=\"45%\" valign=top style='width:45.18%;border:none;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;\n  mso-border-right-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Between 2 to 7\n                            years after the Credit Day<o:p><\/o:p><\/span><\/p>\n                <\/td>\n                <td width=\"54%\" valign=top style='width:54.82%;border:none;mso-border-top-alt:\n  solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:3.0pt;margin-right:0cm;margin-bottom:\n  3.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Within 21 business\n                            days after we receive your request<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>*The Credit Day is the date the credit contract\n                (i.e. the loan) is settled or the loan amount is increased.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>There is no charge\n                for requesting or receiving a copy of the Preliminary Assessment.<o:p><\/o:p><\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Fees and charges that are payable by you in relation to our credit\n                                assistance<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n                may charge a fee for providing credit assistance to you. If applicable, details\n                about these fees payable by you will be set out in a Credit Quote which we will\n                give you prior to submitting your loan application.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Other\n                    fees and charges <\/span><\/b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You may have to pay other fees and charges\n                (such as application fees, valuation costs and other applicable fees) to the\n                lender or other parties. You should review the particular loan contract\n                documentation for further details of <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>any<\/span><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> such fees\n                and charges.<o:p><\/o:p><\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>How do I get paid?<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Our aggregator receives commission from the lenders\n                and then pays us commission in relation to loan contracts (such as home and\n                investment property loans).<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>An upfront commission is payable by lenders in\n                relation to settled (drawn-down) loans and is calculated as a percentage of the\n                loan amount. It is usually paid after settlement of the loan.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Trail commission is payable by lenders in relation\n                to settled (drawn-down) loans. It is calculated monthly on the outstanding loan\n                balance and is paid in arrears.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>The upfront and trail commissions that we are paid\n                by lenders are not payable by you. Details of commission to be received will be\n                included in the Summary of Requirements and Credit Proposal document that we\n                will provide you with when credit assistance is provided.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>From time to time, I may also receive a\n                non-commission benefit by way of training, professional development,\n                entertainment, gift, conference attendance, sponsorship, or entry into a competition\n                run by a lender or my aggregator, at no extra cost to you.&nbsp;The nature of\n                such arrangements are temporary, and the occurrence and amounts are often not\n                readily ascertainable, however if they are apparent as a result of assisting\n                you with credit <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>assistance<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>, this will be disclosed to you.<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Other people we deal with<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk533143766\"><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Our aggregator<\/span><\/b><\/a><span style='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                    <o:p><\/o:p>\n                <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We have approval to utilise lenders and their\n                    loan products through the services of our aggregator Connective Broker Services\n                    Pty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under\n                    Australian Credit Licence 389328. The aggregator charges us a fee depending on\n                    our contract arrangements, consisting of:<o:p><\/o:p><\/span><\/span><\/p>\n\n        <ul style='margin-top:0cm' type=disc>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a share of\n                        commission that is paid by the particular lender;<o:p><\/o:p><\/span><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a membership\n                        fee for our business;<o:p><\/o:p><\/span><\/span><\/li>\n            <li class=MsoNormal style='mso-list:l1 level1 lfo4'><span style='mso-bookmark:\n     _Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n     mso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>a monthly fee\n                        for each of our accredited loan writers.<o:p><\/o:p><\/span><\/span><\/li>\n        <\/ul>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commissions paid by Connective\u2019s lender panel\n                    are transparent and do not influence the broker or consumer choice. Connective\n                    is committed to quality consumer outcomes in all circumstances.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Referrers and referral fees<\/span><\/b><\/span><span\n                style='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                    <o:p><\/o:p>\n                <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We obtain referrals from a range of sources,\n                    including accountants, financial planners, real estate agents and other people.\n                    If you were introduced or referred to us, we may pay the referrer a commission\n                    or a fee.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk533143766'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Details of any\n                    commission or fees being paid to the referrer will be included in <a name=\"_Hlk58869893\">the Summary\n                        of Requirements and Credit Proposal document <\/a>we\n                    provide to you.<\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Dispute resolution and complaints<\/span><\/b><b><span style='font-size:\n  12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Helvetica;color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are committed to providing you with the best\n                possible service, however we understand there may be times where you are not\n                satisfied. If this occurs please inform us verbally or in writing with the\n                exact details of your complaint, so we can work towards a prompt and fair\n                resolution.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>If we are unable to reach a satisfactory\n                resolution, you can make a complaint in writing to the Australian Credit\n                Licence holder, <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\n                Ltd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.&nbsp;With regards\n                to complaints resolution, we are mindful of the need to ensure that consumers\n                are treated fairly and with respect during the complaints handling\n                process.&nbsp;Any dissatisfaction with a credit representative operating under\n                the licence will be handled in an efficient, timely and effective manner in\n                accordance with ASIC regulations of Internal Dispute Resolution (IDR).<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Connective Credit Services Pty\n                Ltd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>details are:<span style='background:yellow;\nmso-highlight:yellow'>\n                    <o:p><\/o:p>\n                <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Attention<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0 <\/span>Compliance\n                and Complaints Handling Officer<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Phone<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1300 656 637<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Email<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>compliance@connective.com.au<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Website<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>https:\/\/www.connective.com.au\/<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>Mail<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>Level 29, 555 Collins Street,\n                Melbourne VIC 3000<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n                hope that you will be satisfied with how we deal with your complaint. However,\n                if your concerns remain unresolved, or you have not heard from us within 30\n                days, then you can have your complaint heard by an independent party. <a name=\"_Hlk528910978\">The\n                    complaint can be lodged with the Australian Financial\n                    Complaints Authority (AFCA):<o:p><\/o:p><\/a><\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Phone<\/span><\/b><\/span><span\n                style='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>1800 931 678 (free call)<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Email<\/span><\/b><\/span><span\n                style='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>info@afca.org.au<\/span><\/span><span\n                style='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                    <o:p><\/o:p>\n                <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Website<\/span><\/b><\/span><span\n                style='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0 <\/span>www.afca.org.au<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-left:20.4pt'><span style='mso-bookmark:_Hlk528910978'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Mail<\/span><\/b><\/span><span\n                style='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>:<span style='mso-tab-count:1'>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Australian Financial\n                    Complaints Authority, GPO Box 3, Melbourne VIC 3001<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk528910978'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Time limits may apply to complain to AFCA and\n                    so you should act promptly or otherwise consult the AFCA website to find out if\n                    or when the time limit relevant to your circumstances expires.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk528910978'><\/span>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Things you should know<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><a name=\"_Hlk528911070\"><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n                    don\u2019t provide legal or financial planning advice. It is important you\n                    understand your legal obligations under the loan, and the financial\n                    consequences. If you have any doubts, you should obtain independent legal and\n                    financial <\/span><\/a><span style='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>planning<\/span><\/span><span\n                style='mso-bookmark:_Hlk528911070'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> advice\n                    before you enter any loan contract.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk528911070'><\/span>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Our lender panel<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n  \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>We are authorised to engage in credit activities\n                and therefore provide assistance to obtain loans for you from a panel of\n                lenders. <a name=\"_Hlk5013144\">The following are the lenders through which we\n                    have conducted the most business over the last 12 months.<o:p><\/o:p><\/a><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk5013144'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Connective Credit Services Pty Ltd<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u2019s <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>top six lenders are as follows:<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>1<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>ANZ<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>2<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Westpac<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>3<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Macquarie Bank<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>4<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>NAB<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>5<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Commonwealth Bank<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-no-proof:yes'>6<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>. <span style='mso-no-proof:yes'>Bankwest<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm;mso-pagination:none;mso-layout-grid-align:none;text-autospace:\nnone'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>My top six lenders as a representative of Connective Credit\n                Services Pty Ltd are not available as I\n                commenced Connective Credit Services Pty Ltd as their representative on 06\/05\/2025 and have no\n                settlements as at the date of this credit guide. <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'><span style='mso-spacerun:yes'>\u00a0<\/span>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n    background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n    height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n    text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n    .5pt'>Lender data<\/span><\/b><b><span style='font-size:12.0pt;font-family:\n    \"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n    color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>This\n                section provides information about the credit providers I am accredited with\n                and the percentage of applications which have been submitted to lenders over\n                the last full financial year. Please note that I commenced operating under the\n                licence of Connective Credit Services Pty Ltd on 06\/05\/2025 therefore there is no settlement\n                data for the previous financial year.\n                Panel lenders available and those with whom I hold accreditation:<o:p><\/o:p><\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=625 style='border-collapse:collapse;mso-table-layout-alt:fixed;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 0cm 0cm 0cm'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders available<\/span><\/b><b><span\n                                style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border:solid windowtext 1.0pt;\n  border-left:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-font-kerning:.5pt'>Lenders<\/span><\/b><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-font-kerning:.5pt'> I am accredited <\/span><\/b><b><span style='font-size:\n  10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\n  Arial;mso-font-kerning:.5pt'>with<\/span><\/b><b><span style='font-size:10.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:1'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>AMP<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n      \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n\n            <\/tr>\n            <tr style='mso-yfti-irow:2'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ANZ<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n            \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:3'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Aussie Bonds<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:4'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Australian Military Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n                none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n                padding:0cm 5.4pt 0cm 5.4pt'>\n                        <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n                \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                    <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:5'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Auswide Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:6'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of China<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:7'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Melbourne<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:8'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank of Queensland<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:9'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bank SA<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:10'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bankwest<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:11'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Choice Home Loans<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:12'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Better Mortgage Management<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n        none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n        padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n        mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:13'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Bluebay Home Loans<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:14'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Commonwealth Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n    mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:15'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Advance (Thinktank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:15'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Bridge (Bridgit)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <tr style='mso-yfti-irow:16'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Elevate (Bluestone)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n            none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n            padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n            mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:17'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Essentials\n                            (Advantedge)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <tr style='mso-yfti-irow:18'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Select (Bendigo\n                            Bank)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n      none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n      padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n      mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:19'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Connective Solutions (Pepper\n                            Money)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:20'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Assure<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:21'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Deposit Power (Deposit Bonds)<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n                none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n                padding:0cm 5.4pt 0cm 5.4pt'>\n                                <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n                mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                            <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:22'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firefighters Mutual Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n                none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n                padding:0cm 5.4pt 0cm 5.4pt'>\n                                <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n                \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                            <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:23'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Firstmac<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:24'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Gateway Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:25'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Health Professionals Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n                none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n                padding:0cm 5.4pt 0cm 5.4pt'>\n                                <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n                \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                            <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:26'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Heritage Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n          none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n          padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n          mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n          mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n          mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:27'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>HomeStart Finance<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:28'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ING<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n\tnone;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n\tpadding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n\tmso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:29'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Keystart Home Loans<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:30'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>La Trobe Financial<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n\n            <tr style='mso-yfti-irow:32'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Macquarie Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:33'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>ME Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n       none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n       padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n       \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:34'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>MyState<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n       none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n       padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n       \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:35'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>NAB<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:36'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Newcastle Permanent Building\n                            Society<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n       none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n       padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n       \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:37'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>P &amp; N Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:38'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Paramount Mortgage Services<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:39'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Pepper Money<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:40'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>RedZed<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:\"Segoe UI Symbol\",sans-serif;\n  mso-bidi-font-family:\"Segoe UI Symbol\"'>x<\/span><span style='font-size:9.0pt;\n  mso-bidi-font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif'> <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:41'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Resimac<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n                none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n                padding:0cm 5.4pt 0cm 5.4pt'>\n                                <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n                \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                            <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:42'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>St George Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:43'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Suncorp Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:44'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Teachers Mutual Bank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n                none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n                padding:0cm 5.4pt 0cm 5.4pt'>\n                                <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n                \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                            <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:45'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Ubank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:46'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>UniBank<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n           \n            <tr style='mso-yfti-irow:48;mso-yfti-lastrow:yes'>\n                <td width=321 valign=top style='width:240.7pt;border:solid windowtext 1.0pt;\n  border-top:none;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial;mso-no-proof:yes'>Westpac<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Arial'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=304 valign=top style='width:228.0pt;border-top:none;border-left:\n    none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n    padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:\"Segoe UI Symbol\",sans-serif;mso-bidi-font-family:\n    \"Segoe UI Symbol\"'>\u2713<\/span><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:0cm'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Entertainment and hospitality register<\/span><\/b><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We hold and maintain an entertainment and\n                hospitality register. A copy can be provided on <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>request<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>.<o:p><\/o:p><\/span><\/p>\n\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=\"100%\" style='width:100.0%;background:#1E4164;border-collapse:collapse;mso-yfti-tbllook:\n 1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes;\n  height:24.85pt'>\n                <td width=\"100%\" style='width:100.0%;border:none;border-bottom:solid windowtext 1.5pt;\n  background:white;mso-background-themecolor:background1;padding:0cm 5.4pt 0cm 5.4pt;\n  height:24.85pt'>\n                    <p class=MsoNormal style='mso-pagination:none;mso-layout-grid-align:none;\n  text-autospace:none'><b><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1;mso-font-kerning:\n  .5pt'>Further Information<\/span><\/b><b><span style='font-size:12.0pt;\n  font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\n  color:black;mso-themecolor:text1'>\n                                <o:p><\/o:p>\n                            <\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'>For more information <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>about<\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-font-kerning:.5pt'> this Credit Guide or\n                anything else regarding our services,<span style='letter-spacing:-.4pt'> <\/span>just\n                contact us at<span style='letter-spacing:-.1pt'> <\/span>any time. We\u2019re<span\n                    style='letter-spacing:-.25pt'> <\/span>here<span style='letter-spacing:-.2pt'> <\/span>to\n                assist you. <\/span><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:0cm'><span class=normaltextrun><span style='mso-bidi-font-size:11.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;color:black;background:#E1E3E6'>\n                    <o:p>&nbsp;<\/o:p>\n                <\/span><\/span><\/p>\n\n    <\/div>\n\n    <span style='font-size:9.5pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Times New Roman\";mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-AU;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><br clear=all\n            style='page-break-before:always;mso-break-type:section-break'>\n    <\/span>\n\n    <div class=WordSection2>\n\n        <p class=MsoNormal style='margin-top:0cm;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n18.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Privacy\n                    disclosure statement<o:p><\/o:p><\/span><\/b><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><b><span style='font-size:\n14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-fareast-font-family:\n\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica'>Part\n                    A<o:p><\/o:p><\/span><\/b><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Overview<o:p><\/o:p><\/span><\/b><\/p>\n\n        <p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\n                handling your personal information, <span style='mso-no-proof:yes'>NGA\n                    Financial Pty Ltd<\/span> ABN <a name=\"_Hlk72222259\"><span style='mso-no-proof:\nyes'>24645767184<\/span><\/a> and its individual representatives (\u201cthe Broker\u201d)\n                are committed to complying with the Privacy Act 1988 and the Australian Privacy\n                Principles.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>The\n                Brokers are authorised credit representatives of <span style='mso-no-proof:\nyes'>Connective Credit Services Pty Ltd<\/span> Australian Credit Licence <span style='mso-spacerun:yes'>\u00a0<\/span><span\n                    style='mso-no-proof:yes'>389328<\/span>\n                (\u2018we, us, our\u2019).<span style='mso-spacerun:yes'>\u00a0 <\/span>Any reference to \u201cwe,\n                us, our\u201d are to the Broker and will include reference to our aggregator,\n                Connective Broker Services Pty Ltd and any of its related companies\n                (\u201cConnective\u201d).<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n                collect information about you for the purposes you agree to in this Privacy\n                Disclosure Statement and Consent (\u201cConsent\u201d). <a name=\"_Hlk58870224\">When you\n                    ask us to assist, you agree we can, consistent with Australia\u2019s privacy and\n                    credit reporting laws, collect, use and exchange consumer and\/or commercial\n                    credit and personal information (\u201cinformation\u201d) about you for those purposes.<o:p><\/o:p><\/a><\/span>\n        <\/p>\n\n        <span style='mso-bookmark:_Hlk58870224'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>We\n                are collecting information about you, as applicable:<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>source<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                for you, or a company of which you are a director:<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'>\n            <![if !supportLists]><span style='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Consumer credit for personal, household,\n                domestic or residential investment purposes; or<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'>\n            <![if !supportLists]><span style='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Commercial credit for business purposes; or<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:60.85pt;text-indent:-16.55pt;line-height:106%;mso-list:l5 level2 lfo26'>\n            <![if !supportLists]><span style='font-size:8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:\nSymbol;mso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;line-height:106%;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Other services stated in this Consent; or<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>To <\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-fareast-language:EN-AU'>support<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                a guarantor application, you will provide.<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\n                your broker, we require the information we collect from you to assess your\n                credit or guarantor application or the credit <\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica;mso-fareast-language:EN-AU'>application<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> of a company of which you are a director, to source a suitable\n                credit provider and any required insurances and to manage the application\n                process, where required. If you do not provide the information sought, we may\n                be unable to process your application, or the company\u2019s application, or we may\n                be limited in the other services we can offer you or the company.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870384\"><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your information - Collection and Disclosure<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n        <p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The personal information we collect may include\n                    a broad range of information from your name, address, and contact details to\n                    other information about your qualifications, employment history and financial\n                    information.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\u201c<\/span><\/span><span style='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Personal<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                    information\u201d may include any sensitive information (including health\n                    information) and may include any information you tell us about any\n                    vulnerability you may have. We may use that information to assess your\n                    application and, where appropriate, to source a suitable credit provider or\n                    lessor and \/ or insurance provider. We may, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870384'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your identification information to a\n                    consumer credit reporting service (\u201cConsumer CRS\u201d) and\/or a commercial credit\n                    reporting service (\u201cCommercial CRS\u201d), where we hold your consent, (refer\n                    Schedule 1).<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870384'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use any information a CRS provides in its report\n                    to assist us to preliminarily assess your credit or guarantor application\n                    (references to a \u201cCRS\u201d could be to either a Consumer CRS or a Commercial CRS).<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870384'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to an insurer or\n                    insurers to source any insurances you wish to obtain; and<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870384'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to our advisers,\n                    aggregators, licensees and other financial intermediaries, a credit provider or\n                    credit providers to apply for finance on your behalf.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870384'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Some of the recipients to whom we disclose your\n                    personal information may be based overseas. It is not practicable to list every\n                    country in which such recipients are located but it is likely that such\n                    countries will include the Philippines, India and Nepal.<b><i>\n                            <o:p><\/o:p>\n                        <\/i><\/b><\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk58870384'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870474\"><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How we protect your information<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n        <p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We take all reasonable steps to protect your\n                    personal information from misuse, interference, loss, unauthorised access,\n                    modification, or exposure. All Connective staff are required by the terms of\n                    their employment to maintain the confidentiality of customer information.\n                    Access to your information is restricted to those employees whose job requires\n                    that information. Access to our premises and computer systems is restricted\n                    through locks, password protection, internet firewalls and routers.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870474'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We will take reasonable steps to destroy or\n                    de-identify your personal information when your personal information is no\n                    longer required for our business functions.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk58870474'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870502\"><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Credit Providers<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n        <p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>As<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> part of\n                    providing our services to you, we may undertake tasks for a credit provider\n                    which are reasonably necessary to manage the application process. When doing\n                    so, we are acting as agent for the credit provider, with the same privacy law\n                    requirements applying to both of us.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We may submit your application to one or more\n                    credit providers.<span style='mso-spacerun:yes'>\u00a0 <\/span>A full list of the\n                    lenders (credit providers) we have access to can be found at: <o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]>\n            <\/span><a\n                href=\"file:\/\/\/C:\/Users\/erminia.doca\/AppData\/Local\/Microsoft\/Windows\/INetCache\/Content.Outlook\/IPG30KEZ\/www.connective.com.au\/mortgage-broking\/connective-lender-panel\"><span\n                    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www.connective.com.au\/mortgage-broking\/connective-lender-panel<\/span><\/span><\/a><span\n                style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>; and<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n 10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]>\n            <\/span><a\n                href=\"http:\/\/www.connective.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel\"><span\n                    style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>www<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>.<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>connective<\/span><\/span><span\n                    style='mso-bookmark:_Hlk58870502'><span\n                        style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.com.au\/connective-asset-finance\/connective-asset-finance-lender-panel<\/span><\/span><\/a><span\n                style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>.<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>\n                    <o:p><\/o:p>\n                <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A credit provider, to whom we submit an\n                    application, may disclose information about you to, and collect information\n                    about you from, one or more CRS.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>The website of each credit provider contains\n                    details of each CRS with which it deals and other details about information\n                    held about you, including whether that information may be held or disclosed\n                    overseas and, if so, in which countries. The websites also describe your key\n                    rights. These details may be described on the credit <\/span><\/span><span\n                style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>providers\u2019 websites as \u2018notifiable matters\u2019, \u2018privacy policy\u2019, \u2018credit\n                    reporting policy\u2019 or \u2018privacy disclosure statement and consent\u2019, or similar.<o:p><\/o:p>\n                    <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>For each Consumer<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> CRS a\n                    credit provider uses, the website details will include the following specific\n                    information:<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That the CRS may include information the credit\n                    provider discloses about you to other credit providers to assess your credit\n                    worthiness.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>That, if you become overdue in making consumer\n                    credit payments or commit a serious credit infringement, the credit provider\n                    may disclose that information to the CRS.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>How you can obtain the credit provider\u2019s and\/or\n                    the CRS\u2019s policies about managing your information.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to access and\/or correct information\n                    held about you and to complain about conduct that may breach the privacy and\n                    credit reporting laws.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to undertake\n                    pre-screening for purposes of direct marketing by a credit provider.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870502'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your right to request a CRS not to release\n                    information about you if you believe you are a victim of fraud.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>This<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> detail\n                    will also be included by the credit provider who approves your application in\n                    the privacy disclosure statement and consent document it will provide to you.<o:p><\/o:p>\n                    <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Each credit <\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>provider<\/span><\/span><span style='mso-bookmark:_Hlk58870502'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> website includes information on how to contact\n                    it and how to obtain a copy of its privacy documents in a form that suits you\n                    (e.g. hardcopy or email).<o:p><\/o:p><\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk58870502'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><a name=\"_Hlk58870645\"><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>You agree we may:<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Use your information:<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:5.5pt;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:105%;mso-list:l5 level2 lfo26'><span\n                style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n8.0pt;line-height:105%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;line-height:105%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\n                    assess your consumer or commercial credit and\/or guarantee application and\/or\n                    to assess a credit application by a company of which you are a director.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\n                style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\n                    source any finances you require.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\n                style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>To\n                    source any insurances you require.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:0cm;margin-right:0cm;margin-bottom:5.5pt;\nmargin-left:63.8pt;text-indent:-21.25pt;line-height:106%;mso-list:l5 level2 lfo26'><span\n                style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n8.0pt;line-height:106%;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol;color:black'><span style='mso-list:Ignore'>-<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;line-height:106%;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>As\n                    the law authorises or requires.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose to, and obtain from, any prospective\n                    credit provider or insurer, information about you that is reasonably necessary\n                    to obtain the finance and insurances you require.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Obtain from, and disclose to, any third party,\n                    information about you, the applicant(s) or guarantor(s) that is reasonably\n                    necessary to assist you obtain the finance and insurances required.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoListParagraph style='margin-top:4.0pt;margin-right:0cm;margin-bottom:\n4.0pt;margin-left:35.7pt;text-align:justify;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span\n                style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide your information, including your credit\n                    report(s), to one or more of the credit providers so they can assess your\n                    application, or the application of a company of which you are a director, or\n                    your suitability as a guarantor.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Provide information about you to a guarantor,\n                    or prospective guarantor.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to the extent\n                    permitted by law to other organisations that provide us with services, such as\n                    contractors, agents, printers, mail houses, lawyers, document custodians,\n                    securitisers and computer systems consultants or providers, so they can perform\n                    those services for us. Some of which may be located overseas.<o:p><\/o:p><\/span>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870645'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Disclose your information to any <\/span>\n            <\/span><span style='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nAR-SA'>other<\/span><\/span><span style='mso-bookmark:_Hlk58870645'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> organisation that may wish to acquire, or has\n                    acquired, an interest in our business or any rights under your contract with\n                    us, or the contract with us of a company of which you are a director.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk58870645'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Your\n                    rights <o:p><\/o:p><\/span><\/b><\/p>\n\n        <p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\n                have the right to ask: <o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to provide you with all the information we\n                hold about you.<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us to correct the information we hold if it is\n                incorrect.<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Us for copies of our privacy policy and this\n                document, in a form that suits you (e.g. hardcopy or email).<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS not to use your information for direct\n                marketing assessment purposes, including pre-screening.<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'>\n            <![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;\nmso-bidi-font-family:Symbol'><span style='mso-list:Ignore'>\u00b7<span\n                        style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span>\n            <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A CRS to provide you with a copy of any\n                information it holds about you.<o:p><\/o:p><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>You\n                can gain access to the information we hold about you by contacting our Privacy\n                Officer at the following address:<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Suite 702 418A Elizabeth Street<\/span><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-no-proof:yes'>Surry Hills, NSW, 2010<\/span><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>In\n                some cases, an administration fee may be charged to cover the cost of providing\n                the information. Our Privacy Policy also deals with our complaints process and\n                is available on our website or we will provide you with a copy if you ask us.\n                Schedule 1 at the end of this document sets out the contact details for each\n                CRS.<o:p><\/o:p><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870703\"><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Extended Effectiveness for Commercial Credit<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n        <p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your<\/span><\/span><span style='mso-bookmark:\n_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'> <\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span\n                    style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>agreement<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> and consent to the disclosures and consents in this document will be\n                    effective for a period of 12 months, but only in relation to commercial credit.\n                    Your agreement to this ceases when you either withdraw it by contacting us\n                    using our details above or 12 months after you sign below, whichever first\n                    occurs. This will allow us to continue to provide our services to you without\n                    the need to ask you to sign a new privacy statement and consent each time you\n                    require commercial credit within a 12-month period. The extended effectiveness\n                    does not apply in relation to consumer credit.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870703'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>Where the applicant,\n                    or<\/span><\/span><span style='mso-bookmark:_Hlk58870703'><span style='font-size:\n10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:\nHelvetica'> guarantor, is a company of which you are a director, you consent to\n                    the disclosure and use of your information, in addition to the company\u2019s\n                    information, in each of the ways specified in this document.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk58870703'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><a name=\"_Hlk58870715\"><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to collect and disclose<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n        <p class=MsoNormal style='margin-top:2.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By asking us to assist, you consent to the\n                    collection and use of the information you have provided to us for the purposes\n                    described above.<b>\n                        <o:p><\/o:p>\n                    <\/b><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>For <\/span><\/span><span style='mso-bookmark:_Hlk58870715'><span\n                    style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>more<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;\nmso-ansi-language:EN-US'> information on your privacy rights please visit <\/span><\/span><a\n                href=\"http:\/\/www.privacy.gov.au\"><span style='mso-bookmark:_Hlk58870715'><span lang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>www.privacy.gov.au<\/span><\/span><\/a><span\n                style='mso-bookmark:_Hlk58870715'><span class=MsoHyperlink><span lang=EN-US style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-ansi-language:EN-US'>\n                        <o:p><\/o:p>\n                    <\/span><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='mso-bookmark:_Hlk58870715'><span style='font-size:6.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>\n                    <o:p>&nbsp;<\/o:p>\n                <\/span><\/span><\/p>\n\n        <div style='mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.0pt;\nmso-border-bottom-alt:solid windowtext .5pt;padding:0cm 0cm 1.0pt 0cm'>\n\n            <p class=MsoNormal style='margin-top:0cm;border:none;mso-border-bottom-alt:\nsolid windowtext .5pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><span style='mso-bookmark:_Hlk58870715'><span\n                        style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                        <o:p>&nbsp;<\/o:p>\n                    <\/span><\/span><\/p>\n\n        <\/div>\n\n        <span style='mso-bookmark:_Hlk58870715'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt;text-align:justify;mso-pagination:\nnone;mso-layout-grid-align:none;text-autospace:none'><a name=\"_Hlk58870745\"><b><span style='font-size:14.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-fareast-font-family:\"Yu Mincho\";mso-fareast-theme-font:minor-fareast;\nmso-bidi-font-family:Helvetica'>Part B<o:p><\/o:p><\/span><\/b><\/a><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>Your consent to provide your personal\n                        information to a credit reporting body (CRS) <o:p><\/o:p><\/span><\/b><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>We <\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>can<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> act as\n                    your agent to obtain a report or information about your consumer or commercial\n                    credit worthiness from a (CRS).<span style='mso-spacerun:yes'>\u00a0 <\/span>To do\n                    so, we may disclose personal information such as your name, date of birth and\n                    address to the CRS to obtain an assessment of whether that personal information\n                    matches information held by it.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:6.0pt;\nmargin-left:0cm'><span style='mso-bookmark:_Hlk58870745'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document you authorise the\n                        Broker or Connective to obtain a credit report on your behalf.<\/span><\/b><\/span><span\n                style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                    <o:p><\/o:p>\n                <\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>You<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> also agree\n                    and consent to, as appropriate:<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870745'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>A <\/span>\n            <\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>CRS specified in\n                    Schedule 1 disclosing information to a credit provider for the purpose of\n                    assessing your <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>application<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> for consumer or commercial credit or your guarantor application, and\/or\n                    assessing a credit application by a company of which you are a director.<o:p><\/o:p><\/span><\/span>\n        <\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870745'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>When you are a <\/span>\n            <\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>prospective<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> guarantor, a credit provider using that information to assess your\n                    suitability as a <\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>guarantor<\/span><\/span><span style='mso-bookmark:\n_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870745'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol;mso-fareast-language:EN-AU'><span style='mso-list:Ignore'>\u00b7<span\n                            style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit provider <\/span>\n            <\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>disclosing<\/span><\/span><span\n                style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'> your information (including information obtained by it from a CRS) to a\n                    guarantor, or a prospective guarantor.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:4.0pt;margin-right:0cm;margin-bottom:4.0pt;\nmargin-left:39.95pt;text-indent:-17.85pt;mso-list:l1 level1 lfo4'><span style='mso-bookmark:_Hlk58870745'>\n                <![if !supportLists]><span style='font-size:\n10.0pt;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:\nSymbol'><span style='mso-list:Ignore'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n                        <\/span><\/span><\/span>\n                <![endif]><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica;mso-fareast-language:EN-AU'>A credit<\/span>\n            <\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'> provider\n                    disclosing to another credit provider, to your agent, such as us as your\n                    broker, or to a servicer, for a particular purpose, information it holds about\n                    you.<o:p><\/o:p><\/span><\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt;margin-right:-7.1pt;margin-bottom:\n0cm;margin-left:0cm;margin-bottom:.0001pt'><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'>By signing this document, you consent to us\n                    making a request on your behalf to obtain information about you from <\/span><\/span><span\n                style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\n\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica;mso-fareast-language:\nEN-AU'>one<\/span><\/span><span style='mso-bookmark:_Hlk58870745'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\nmso-bidi-font-family:Helvetica'> or more credit reporting service(s) and credit\n                    provider(s). That information will assist us in providing our services to you.<o:p><\/o:p>\n                    <\/span><\/span><\/p>\n\n        <span style='mso-bookmark:_Hlk58870745'><\/span>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-bottom:4.0pt'><b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>Schedule\n                    1 - CREDIT REPORTING SERVICES<\/span><\/b><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p><\/o:p>\n            <\/span><\/p>\n\n        <table class=MsoTableGrid border=1 cellspacing=0 cellpadding=0 style='border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm 5.4pt 0cm 5.4pt'>\n            <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n                <td width=627 colspan=3 valign=top style='width:470.1pt;border:none;\n    border-bottom:solid windowtext 1.5pt;background:white;mso-background-themecolor:\n    background1;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n    6.0pt;margin-left:0cm'><span style='font-size:12.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n    mso-bidi-font-family:Helvetica;color:black;mso-themecolor:text1'>CONSUMER\/COMMERCIAL\n                            CREDIT REPORTING SERVICES<b>\n                                <o:p><\/o:p>\n                            <\/b><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:1'>\n                <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-alt:\n  solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Name<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Website<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext 1.5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext 1.5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Telephone<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:2'>\n                <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Equifax<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.equifax.com.au\"><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.equifax.com.au<\/span><\/a><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 83 32<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:3'>\n                <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>Experian<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.experian.com.au\"><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.experian.com.au<\/span><\/a><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>1300 783 684<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n            <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n                <td width=209 valign=top style='width:156.7pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><b><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>illion<o:p><\/o:p><\/span><\/b><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><a href=\"http:\/\/www.illion.com.au\"><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>www.illion.com.au<\/span><\/a><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>\n                            <o:p><\/o:p>\n                        <\/span><\/p>\n                <\/td>\n                <td width=209 valign=top style='width:156.7pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:0cm 5.4pt 0cm 5.4pt'>\n                    <p class=MsoNormal style='margin-top:6.0pt;margin-right:0cm;margin-bottom:\n  6.0pt;margin-left:0cm'><span style='font-size:10.0pt;font-family:\"HelveticaNeueLT Std Lt\",sans-serif;\n  mso-bidi-font-family:Helvetica'>13 23 33<o:p><\/o:p><\/span><\/p>\n                <\/td>\n            <\/tr>\n        <\/table>\n\n        <p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n        <p class=MsoNormal style='margin-bottom:4.0pt'><span style='font-size:9.0pt;\nfont-family:\"HelveticaNeueLT Std Lt\",sans-serif;mso-bidi-font-family:Helvetica'>\n                <o:p>&nbsp;<\/o:p>\n            <\/span><\/p>\n\n    <\/div>\n\n<\/body>\n\n<\/html><\/div><div id=\"field_1_287\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datepicker gfield--datepicker-no-icon gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_1_287'>Date<\/label><div class='ginput_container ginput_container_date'>\n                            <input name='input_287' id='input_1_287' type='text' value='29\/08\/2026' class='datepicker gform-datepicker dmy datepicker_no_icon gdatepicker-no-icon'   placeholder='dd\/mm\/yyyy' aria-describedby=\"input_1_287_date_format\" aria-invalid=\"false\" \/>\n                            <span id='input_1_287_date_format' class='screen-reader-text'>DD slash MM slash YYYY<\/span>\n                        <\/div>\n                        <input type='hidden' id='gforms_calendar_icon_input_1_287' class='gform_hidden' value='https:\/\/www.mworks.com.au\/RSU\/wp-content\/plugins\/gravityforms\/images\/datepicker\/datepicker.svg'\/><\/div><fieldset id=\"field_1_289\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Full Name - Applicant 1<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_1_289'>\n                            \n                            <span id='input_1_289_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_289.3' id='input_1_289_3' value=''   aria-required='true'     \/>\n                                                    <label for='input_1_289_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            \n                            <span id='input_1_289_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_289.6' id='input_1_289_6' value=''   aria-required='true'     \/>\n                                                    <label for='input_1_289_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_1_178\" class=\"gfield gfield--type-signature gfield--input-type-signature gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_178'>Applicant 1 Signature<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='gfield_signature_ui_container gform-theme__no-reset--children' ><div id='input_1_178_Container' class='gfield_signature_container ginput_container' style='height:180px; width:300px; ' ><input type='hidden' class='gform_hidden' name='input_1_178_valid' id='input_1_178_valid' \/><canvas id='input_1_178' width='300' height='180' style='border-style: Dashed; border-width: 2px; border-color: #DDDDDD; background-color:#FFFFFF; cursor: url(https:\/\/www.mworks.com.au\/RSU\/wp-content\/plugins\/gravityformssignature\/assets\/img\/pen.cur), pointer;'><\/canvas><\/div><div id='input_1_178_toolbar' style='margin:5px 0;position:relative;height:20px;width:300px;max-width:100%;'><img id = 'input_1_178_resetbutton' src='data:image\/png;base64,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' style='cursor:pointer;float:right;height:24px;width:24px;border:0px solid transparent' alt='Clear Signature' \/ ><\/div><input type='hidden' id='input_1_178_data' name='input_1_178_data' value=''><\/div><\/div><div id=\"field_1_288\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datepicker gfield--datepicker-no-icon gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_1_288'>Date<\/label><div class='ginput_container ginput_container_date'>\n                            <input name='input_288' id='input_1_288' type='text' value='29\/08\/2026' class='datepicker gform-datepicker dmy datepicker_no_icon gdatepicker-no-icon'   placeholder='dd\/mm\/yyyy' aria-describedby=\"input_1_288_date_format\" aria-invalid=\"false\" \/>\n                            <span id='input_1_288_date_format' class='screen-reader-text'>DD slash MM slash YYYY<\/span>\n                        <\/div>\n                        <input type='hidden' id='gforms_calendar_icon_input_1_288' class='gform_hidden' value='https:\/\/www.mworks.com.au\/RSU\/wp-content\/plugins\/gravityforms\/images\/datepicker\/datepicker.svg'\/><\/div><fieldset id=\"field_1_290\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Full Name - Applicant 2<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_1_290'>\n                            \n                            <span id='input_1_290_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_290.3' id='input_1_290_3' value=''   aria-required='true'     \/>\n                                                    <label for='input_1_290_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            \n                            <span id='input_1_290_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_290.6' id='input_1_290_6' value=''   aria-required='true'     \/>\n                                                    <label for='input_1_290_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_1_265\" class=\"gfield gfield--type-signature gfield--input-type-signature gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_265'>Applicant 2 Signature<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='gfield_signature_ui_container gform-theme__no-reset--children' ><div id='input_1_265_Container' class='gfield_signature_container ginput_container' style='height:180px; width:300px; ' ><input type='hidden' class='gform_hidden' name='input_1_265_valid' id='input_1_265_valid' \/><canvas id='input_1_265' width='300' height='180' style='border-style: Dashed; border-width: 2px; border-color: #DDDDDD; background-color:#FFFFFF; cursor: url(https:\/\/www.mworks.com.au\/RSU\/wp-content\/plugins\/gravityformssignature\/assets\/img\/pen.cur), pointer;'><\/canvas><\/div><div id='input_1_265_toolbar' style='margin:5px 0;position:relative;height:20px;width:300px;max-width:100%;'><img id = 'input_1_265_resetbutton' 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style='cursor:pointer;float:right;height:24px;width:24px;border:0px solid transparent' alt='Clear Signature' \/ ><\/div><input type='hidden' id='input_1_265_data' name='input_1_265_data' value=''><\/div><\/div><\/div><\/div>\n        <div class='gform-page-footer gform_page_footer top_label'><input type='submit' id='gform_previous_button_1' class='gform_previous_button gform-theme-button gform-theme-button--secondary button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='previous' value='Previous'  \/> <input type='submit' id='gform_submit_button_1' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Submit'  \/> <button type='button'  id='gform_save_1_footer_link' onclick='gform.submission.handleButtonClick(this);' data-submission-type='save-continue' class='gform_save_link gform-theme-button gform-theme-button--secondary button'  ><svg aria-hidden=\"true\" focusable=\"false\" width=\"16\" 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class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac6b4d6\" data-id=\"ac6b4d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52630ca animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"52630ca\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contact one of our Mortgage brokers today to find out how <span style=\"font-weight:600;\">we can help you.<\/span> <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e8f3a4 elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"6e8f3a4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:1300%20112%20448\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">talk to us<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>APPLICATIONS Client Information Brief Contact one 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