1 Checklist of Documents Required to Support Loan Application - For all Loan Applicants and/or all Guarantors

Transcription

1 Primary Officer Officer 2 Officer 3 Bank of Sydney Ltd ABN AFSL & Australian Credit Licence Home Loan/Investment Home Loan/Home Equity Maximiser Application (Including Credit Card Application) Applicant Name:... Application No.... Date:.../.../ Checklist of Documents Required to Support Loan Application - For all Loan Applicants and/or all Guarantors Please tick Yes No N/A All Applicants Completed Home Loan / Investment Home Loan / Home Equity Maximiser Form Guarantor's Statements (where applicable) Personal Identification documents for all account signatories (as per bank requirements) CRAA Check for all applicants (including guarantors) In case of rental income, copy of the lease or rental receipts or agent letter. (Tax returns sufficient if income existing in last financial period) Copy of savings records for the last 6-12 months plus all Credit Card statements and any overdraft or personal loan statements Copies of any applicable Powers of Attorney Periodical Payment Authority completed Irrevocable Authority completed Income Verification 2 latest computerised Payslips or Letters from Employer, copy most recent Group Certificate/s or Tax Returns (must confirm length of time employed, current employment status, base salary and any permanent or regular overtime) and most recent Notice of Assessment. On commencement of a new job, both Letter of Employment plus copy of recent payslip. Note letter to confirm applicant has successfully completed probationary period is required (if applicable) Self Employed Applicants Copy of last 2 years full tax returns, including related financials for companies and trusts including Notice of Assessment for personal and Tax Portal for business. In case of rental income, copy of the lease or rental receipts or agent letter. (Tax returns sufficient if income existing in last financial period) For Low Doc Loans - 12 months BAS, ATO Intergrated Accounts & Bank Statements Refinances Copy of last 6-12 months loan statements for ALL loans being re-financed including personal loans, overdrafts, credit cards Copy of recent rates notice. Purchases Copy of completed front page of Contract for Sale Solicitor's details have been provided if not already contained in the Contract for Sale Gift letter or Statutory Declaration if applicable (where funds are being provided by a third party by way of gift to assist with the purchase of the property to be offered as security) Construction Loans/Building Loans Copy of Builder's Tender/Quote or Building Contract if available Copy of council approved Plans & Specifications Please note: All Guarantors (both Company & Individuals) guarantee jointly & severally are required to obtain independent legal & financial advice as part of the settlement process. The necessary documents are supplied by the Banks Panel Solicitor with the mortgage documentation. BOS0029 (06/2015 Page 1 Of 17 Bank Use Only: Bank of Sydney to Include Income Calculation Worksheet (Serviceability)

2 2 Personal Details Applicant 1 - (please attach ID form) Are you an existing Bank of Sydney No Yes - Account No. customer? : : : : : : : : Applicant 2 - (please attach ID form) No Yes - Account No. : : : : : : : : Title Mr Mrs Ms Miss Other Mr Mrs Ms Miss Other Surname Given Names (First and Middle Names) Other Names (Otherwise known as) Gender Male Female Male Female Home Address (PO BOX not acceptable) Suburb State Postcode Suburb State Postcode No. of years and months at this address No. of years and months at this address (Yrs) (Mths) (Yrs) (Mths) Date Moved In Date Moved In (If less than 2 years at current home address) Previous Home Address Suburb State Postcode Suburb State Postcode No. of years and months at this address (Yrs) (Mths) No. of years and months at this address (Yrs) (Mths) Date Moved In Date Moved Out Date Moved Out Current Residential Status Owned Mortgaged Rented Boarding Living with parents/family Owned Mortgaged Rented Boarding Living with parents/family Date of Birth Country of Birth No. of Dependents : l Ages Driver s Licence No. Single Married Defacto Marital Status Divorced Widowed Separated (Where applicable) Is your spouse/partner financially dependant on you? Yes No : l Driver s Licence No. Country of Birth Single Married Defacto Divorced Widowed Separated Relationship to Applicant 1 Ages Residency Status Australian Citizen: Y N Norfolk Island Resident: Y N Non Resident: Y N Specific Country: Passport No: Australian Citizen: Y N Norfolk Island Resident: Y N Non Resident: Y N Specific Country: Passport No: Postal Address Before Loan Settlement (if different to home address) Suburb State Postcode Suburb State Postcode Postal Address After Loan Settlement (if different to home address) Suburb State Postcode Suburb State Postcode Contact Details BOS0029 (06/2015 Page 2 Of 17 Home Work Mobile address Home Work Mobile address Important Note: By providing your address you consent to BOS sending you communication by , please refer to Electronic ( ) Communication sections below.

3 3 Employment Details Applicant 1 Applicant 2 Employment Status Full Time Part Time Casual Self Employed (please supply accountants details on next page) Other Full Time Part Time Casual Self Employed (please supply accountants details on next page) Other Employer s Name or Trading Name Address Phone Number Postcode Postcode Occupation Date Commenced Employment Have you been with this employer for less than 2 years? No Yes (Please complete details below) No Yes (Please complete details below) Previous Employer s Name Address Postcode Postcode Phone Number Occupation Period with this Employer Employment Status From To Full Time Part Time Casual From To Full Time Part Time Casual If you were not employed over 2 years ago, please describe your situation. Student Home Duties Other (Please specify) Unemployed Independent Means Student Home Duties Other (Please specify) Unemployed Independent Means Do you have a second job? No Yes (Please complete details) No Yes (Please complete details) Employer s Name Address Postcode Postcode Phone Number Occupation Date Commenced Employment Employment Status Full Time Part Time Casual Full Time Part Time Casual BOS0029 (06/2015 Page 3 Of 17

4 4 Loan Details Loan Amount Loan Purpose (Tick one or more options) What will the loan funds be used for? To buy a home New Established Owner Occupied Investment Property Pre-purchase (eg. Auction, Property not yet found) Date of Auction:.../.../... Loan Type Are all applicants first home buyers? Yes No Proposed Loan Type (Please tick one) Other Variable Fixed Split Home Equity Maximiser (Please complete page 10) To refinance an existing loan or consolidate debts into one loan Existing Lender BSB & Account No Payout Amount Loan Term Proposed Total Loan Term (max 30 years) Fixed Period (max 3 years) What are your goals and objectives of refinancing or consolidating debt, including benefits to you? Please number the applicable options in order of importance, with 1 being the most important to you. Better Interest rate Consolidate debts Specific product features Disatisfaction with existing Bank's service or products Reduce overall commitments Other If you wish to split your loan please indicate what proportion of the total loan amount you would like to be fixed and/or variable and/or Home Equity. Loan Repayments (Not applicable for Home Equity Maximiser) Principal and Interest Interest Only Do you require Loan Redraw Facility (Not applicable for Home Equity Maximiser or Fixed Rate Loans) Yes as fixed as variable No To buy vacant land *To build a home *For home improvements } To switch from an existing BOS loan and *Must be constructed by a licenced builder under contract Will you require a Home Loan Offset account? Yes (Please complete a new account application form if you wish to open a new Home Loan Offset Account) If you have an existing Home Loan Offset Acount: BSB: A/C No: provide additional funds of for No (Only available for Standard Variable Loans, not available for Home Equity Maximiser) Other (Please specify) Will all or part of this loan be used for business or investment purposes? Yes If yes, how much for each portion? Business purposes Investment purposes Anticipated Settlement Date : l No This account does not earn interest, however, for the purpose of calculating interest payable on your loan, it allows you to set off your savings in it against the amount you owe on your loan. We charge you interest in accordance with your loan terms and conditions but only on the offset loan amount. The Home Loan Offset account must be opened in the same name as the Loan account. If the Home Loan Offset account includes other account holders unrelated to the loan account, the Home Loan Offset accout cannot be linked to the loan. BOS0029 (06/2015) Page 4 Of 17

5 4 Loan Details (Continued) Solicitor s Details Acting for Self or Solicitor/Licenced Conveyancer Name Address Postcode Telephone Facsimile DX No. Accountant s Details Acting for Self or Accountant Name Address Postcode Telephone Facsimile DX No. Guarantor/Third Party Security Provider Do you have a Guarantor who will be offering security for this loan? No Yes - (Please provide a separate Guarantor s Statement) Name: Name: Name: BOS0029 (06/2015) Page 5 Of 17

6 4 e Loan Details (Continued) Property To Be Used As Security For The Loan Full description of property (include state and postcode) [If your loan is being split, please tick which loan(s) are to be secured Source (eg. by which property(s)] purchase price) Property 1. Loan 1 Loan 2 Loan 3 Address: Valuation Details (Lending Officer to complete) Date Amount % Bank Value of Security (BVS) Title Particulars (Volume/Folio/DP or Identifier No.) See original Rates notice or Contract of Sale) Registered Owners/Proprietors (Names to appear on Certificate of Title) Estimated Value/Purchase Price Type of Security: residential owner occupied investment commercial rural Property 2. Loan 1 Loan 2 Loan 3 Address: Who should the valuer contact to access the property? Contact Name: Contact No: Title Particulars (Volume/Folio/DP or Identifier No.) See original Rates notice or Contract of Sale) Registered Owners/Proprietors (Names to appear on Certificate of Title) Estimated Value/Purchase Price Type of Security: residential owner occupied Who should the valuer contact to access the property? investment commercial rural Contact Name: Contact No: LMI Cover Total BVS Bank Liability against this security Total Bank Exposure Other Security (please specify) Source Date Amount % (BVS) Funding Summary Your Cost of Purchase or Refinance Purchase price or Refinance amount Other debts being refinanced/other costs Cost of construction/home improvements Lending Officer to complete Application Fee Receipt No. Valuation Fee Receipt No. Capitalised Secured Guarantee Fee Switch Fee Splitting Fee Receipt No. Capitalised Receipt No. Receipt No. Lender s Mortgage Insurance BOS Home Insurance Premium Government Stamp Duty on Mortgage Government Stamp Duty on transfer of property Government Registration Fee Capitalised Paid Capitalised Paid Capitalised Paid List BSB and account number(s) of any other BOS accounts secured by the property (if more than 3 attach separate list) 9: 4: 2- : : : : : : : : : : : 9: 4: 2- : : : : : : : : : : : 9: 4: 2- : : : : : : : : : : : Your contribution of Purchase or Refinance Net proceeds from sale of property Deposit paid Cash/Savings Gift Other Loans (Specify source) Other Funds (Specify source TOTAL APPLICANT(S) CONTRIBUTION TOTAL COST TOTAL LOAN AMOUNT REQUESTED (difference between Total Cost and Total Applicant(s) Contribution) BOS0029 (06/2015) Page 6 Of 17

7 5 Financial Details Applicant 1 Your Income Base Income Regular Overtime Family Payment Pension Investment Income Existing Rental Income Proposed Rental Income Motor Vehicle allowance Foreign Income Other eg. Commission (Please specify below) Your Assets Gross Monthly Income* Gross Yearly Amount** TOTAL INCOME *How to convert to monthly amounts Fortnightly Amounts - multiply by 26 and divide by 12 **How to convert to yearly amounts Gross Monthly Amounts - multiply by 12 Real Estate Property 1 Address (residential home address) Property 2 Address (any other property address) Applicant 2 Gross Monthly Income* Gross Yearly Amount** TOTAL INCOME Approx. Value Motor Vehicles Make/Model Year Make/Model Year Savings/Investment Account Name of Institution BSB : : - : : A/c No. Name of Institution BSB : : - : : A/c No. Investments (Bonds, Shares, Debentures etc) Type of Investment Type of Investment Deposit paid on the property being purchased Insured Value of Home Contents Current Value of Superannuation Other (Please specify type of asset, eg. Boat, Caravan etc) BOS0029 (06/2015) Page 7 Of 17

8 5 Financial Details (Continued) Your Expenses & Liabilities Existing Home Loans Current Interest Rate Limit (if equity loan) Total Amount Owing Property 1 Lender s Name Property 2 Lender s Name Commitments Monthly Payment Amount To cease if loan application approved (please tick) Credit Card/Store Cards/Lines of Credit/Overdraft Issuer Issuer Issuer Personal Loans Leasing (including any vehicle finance / other loans) Lender's Name Lender's Name Debts Guaranteed by you Rent or Board Superannuation (Not including employer contribution) Spouse or Child maintenance School fees (and/or Child care fees) Utilities (e.g. rates, electricity, gas, phone, internet, pay TV, etc.) Insurances (e.g. home, health, car, life, etc.) Other debts (Please specify eg. Taxation) Provide estimate of other total monthly living expenses (excluding items above) Ensure you include all regular expenses e.g. food, clothing, transport, cleaning, gardening, memberships, etc.(to obtain the monthly amount, take the annual costs and divide by 12). TOTAL LIABILITIES TOTAL COMMITMENTS Do you expect any significant change to your financial situation over the foreseable future that would ADVERSLEY impact your ability to meet loan repayments or reduce your income as stated in this application? No Yes (Please provide details) Has either applicant ever been bankrupt, had any unsatisfied credit defaults, or had a judgement debt? No Yes (Please attach details to this application) Is either applicant receiving unemployment benefits or worker s compensation? No Yes (Please attach details to this application) Have any of the loan applicants ever been known by any other name(s)? No Yes (Please specify) Former Names Date of Change : l : l BOS0029 (06/2015) Page 8 Of 17

9 6 Application Terms Every Applicant for a loan from BOS should read the following sections carefully and should complete and sign where indicated only after having read each section. Your signature may be required in more than one place. THE APPLICANT The Applicant acknowledges that in this Home Loan Application ( Application ): (a) where there is more than one Applicant, this Application is made by them jointly and severally and the expression the Applicant includes all or each of them according to the context; and (a) I apply for a Home Loan from BOS on the terms contained in this Application; (b) I acknowledge that this Application does not bind BOS to make a loan, that this Application is subject to approval by BOS and that any approval may be subject to conditions; (c) I acknowledge that failing to provide some or all of the information which BOS collects about me may result in my application not being processed/approved; (d) I agree to pay all fees required by BOS if this Application is approved and to pay the security valuation fees whether this Application is approved or not. In particular, I acknowledge that: (i) BOS may engage a valuer to report on the proposed (ii) security; The fee for valuation is not refundable to me once the valuation has been made, whether the loan is approved or not; and (iii) The valuer s reports are prepared for BOS s purposes only and remain BOS s property and confidential to BOS. Neither BOS nor the valuer will be liable or under any legal obligation to me for any matter disclosed or not disclosed in such reports; (e) If this Application is approved: (i) (ii) BOS will issue to me a letter of offer which, if accepted by me, will bind me to its terms and conditions; I authorise BOS and its solicitors to prepare and, if necessary, to complete the loan documents (such as by inserting dates); APPLICATION FOR A HOME LOAN (b) the Applicant may be referred to as I, you, your, my or me and these pronouns will be taken to mean, respectively, we, you, your, our and us where there is more than one Applicant. (c) I have read and understood BOS s Privacy Statement. (iii) I agree that titles to the property offered as security must be to BOS s satisfaction and that investigation by BOS or its solicitors, at my expense, may be required before any loan is made to me; and (iv) I agree to sign all documents and do all things necessary or desirable, including paying fees and charges, to ensure registration of any mortgage given to secure the loan; (f) I understand that: (i) BOS may pay commissions or fees to any person ( introducer ) who referred me to BOS or to a party (ii) APPLICANT S DECLARATIONS associated with an introducer ( third party ); An introducer or a third party may pay commissions or fees to BOS relating to the sale of products or the provision of services; and (iii) such commissions and fees may be calculated by reference to outstanding loan balance and other loan details; (g) I authorise BOS to disclose to an introducer or any third party my name, account number, settlement date, outstanding loan balance, loan type and any other information reasonably necessary to enable calculation and verification of the commissions or fees; (h) I authorise BOS to verify any information given by me in this Application by making enquiries of my solicitor, accountant or broker from time to time; (i) I agree promptly to supply BOS on request with a current statement of my financial position; and (j) I confirm that I understand the terms and content of this Application. I declare that: (a) I am over the age of 18; (b) I have never been declared bankrupt or insolvent and my estate has never been assigned for the benefit of creditors; (c) I have never been a director of a company in respect of which a receiver, manager or a liquidator has been appointed; (d) there is no unsatisfied judgment entered in any court against me or any company of which I am a director; (e) neither I nor any company of which I am or have been a director has ever owned property in respect of which foreclosure or other mortgagee s powers have been exercised; (f) BOS has made no representation or warranty to me as to the taxation implications of any borrowing and BOS has not given me financial advice upon which I have relied; and (g) all the information given in this Application is true, correct and not misleading and will remain true, correct and not misleading unless and until I notify BOS otherwise in writing and I acknowledge that BOS has relied on the information I have provided in or with this Application in assessing whether to approve the Application. (h) the amount shown as being available from my/our resources has not or will not be borrowed from any party or parties; (i) I am not currently guaranteeing a debt on behalf of someone else; (j) where I/we have provided personal information about an individual (e.g. solicitor, employer, accountant). I/we have made or will immediately make the individual aware of that fact and: (i) that their personal information has been collected by the Bank to which this Request is addressed for the purpose of assessing my/our Request, administering the products or services provided to me/us and protecting against fraud. I am not currently guaranteeing a debt on behalf of someone else; (ii) that their personal information may not be disclosed to other organisations involved in the provision and administration of my/our products and services. (iii) That I/we may not be able to obtain the Bank s products or services if that individual s personal information is not provided. (iv) That the individual can gain access to their personal information by contacting the Bank, using the contact details I/we will provide. (v) Give the individual a copy of the document containing further information regarding BOS s Privacy Policy, if the individual requests it (copies available on request). BOS0029 (06/2015) Page 9 Of 17

10 6 Application Terms (Continued) Privacy Notification and Consent By signing this document you consent to us(bank of Sydney Ltd ACN AFSL & Australian Credit Licence and our related entities) and some other entities collecting, using, holding, and disclosing personal and credit information about you. If you do not provide us with this consent or provide us with your personal information we may not be able to arrange finance for you or provide other services. We may collect, use, hold and disclose personal and credit information about you for the purposes of arranging or providing credit to you, managing that credit, direct marketing of products and services by us and managing our relationship with you. Credit information includes the type and amount of credit provided to you, repayment history information, default information (including overdue payments) and court information. Personal information includes any information from which your identity is apparent. You may gain access to the personal information that we hold about you by contacting us. A copy of our privacy and credit reporting policy can be obtained from our website \ or by contacting us on Our privacy policy contains information about how you may access or seek correction of your personal information and credit information, how we manage that information and our complaints process. It also contains information on notifiable matters including things such as the information we use to assess your creditworthiness, what happens if you fail to meet your credit obligations or commit a serious credit infringement, your right to request that credit reporting bodies (CRBs) not use your credit information for the purposes of pre-screening credit offers, and your right to request a CRB not to use or disclose credit information about you if you believe you are a victim of fraud. Consumer and commercial credit information We may exchange your commercial and consumer credit information with entities listed below to assess an application for consumer or commercial credit and manage that credit. In particular, we can obtain credit information about you from a CRB providing both consumer and commercial credit information. Exchange information with credit providers We may exchange your personal and credit information with other credit providers for the purposes of assessing your creditworthiness, credit standing, and credit history or credit capacity. Exchange information with guarantors We and the lenders mortgage insurer listed below may exchange your personal and credit information with any person who proposes to guarantee or has guaranteed repayment of any credit provided to you. Exchange information We may exchange personal and credit information with the following types of entities, some of which may be located overseas. Please see our privacy policy for more information. Finance brokers, mortgage managers, and persons who assist us to provide our products to you Financial consultants, accountants, lawyers and advisers Any industry body, tribunal, court or otherwise in connection with any complaint regarding the approval or management of your loan for example if a complaint is lodged about us or the lender Businesses assisting us with funding for loans Trade insurers Any person where we are authorised by law to do so Any of our associates, related entities or contractors Electronic ( ) Communications Consent BOS0029 (06/2015) Page 10 Of 17 Your referees, such as your employer, to verify information you have provided Any person considering acquiring an interest in our business or assets Any organisation providing online verification of your identity Customer identification We may disclose personal information about you to an organisation providing verification of your identity, including on-line verification of your identity. Lenders Mortgage Insurers (LMIs) We may exchange personal and credit information with the LMI listed below. The LMI may exchange your personal and credit information with third parties including the CRBs listed below, and the other entities with which we can exchange information. The LMIs hold, use and disclose your personal information and credit information for the purposes of assessing whether to provide insurance to us, including to assess the risk of you defaulting or the risk of a guarantor being unable to meet their liability, managing the insurance, dealing with claims, enforcing any mortgage and recovering proceeds, conducting risk and credit assessments, fraud prevention, and verifying personal information provided by us or any purpose under the insurance contract. If you don t provide personal information to the credit provider, it will not be possible for the LMI to process the credit provider s request for LMI. The LMIs that we may disclose your personal information and credit information to are: QBE Lenders Mortgage Insurance Limited who can be contacted and a copy of their privacy policy obtained on or qbelmi.com The privacy and credit reporting policies of the LMIs contain information on how the LMIs collect, use and disclose your personal and credit information, how you may access the personal information and credit information the LMI holds about you, seek correction of that information, and how you may complain about a breach of your privacy and how the LMI will deal with your complaint. The LMI may disclose your personal and credit information to overseas entities including related entities located overseas including in USA, Canada, the United Kingdom and the Philippines. We may exchange your personal and credit information with the following credit reporting bodies: Veda Advantage Ltd - veda.com.au Dun & Bradstreet (Australia) Pty Ltd - dnb.com.au Experian - experian.com.au. Contact Information: Bank of Sydney Ltd (BOS) the LMI QBE Lenders Mortgage PO BOX 4288 Insurance Limited SYDNEY NSW 2001 PO BOX R ROYAL EXCHANGE, SYDNEY NSW 1225 By signing this form you consent to the receipt of notices and other documents in connection with our dealings with you by or by accessing our website. By giving this consent: 1. we will: (a) make all notices and other documents available for a reasonable period of time on a password protected section of our website for retrieval by you; or (b) we will send you notices and other documents by ; 2. if the information is displayed on our website we will promptly send you an to the address nominated below notifying you that information is available for retrieval on our website and notify you of the nature of that information; 3. we will no longer send paper copies of notices and other documents; 4. you should regularly check your nominated address for notices; and 5. you may withdraw your consent to the giving of notices and other documents at any time. You have facilities to enable you to readily print notices or other documents retrieved from our website or sent to you by if you desire.

11 6 Application Terms (Continued) ALL APPLICANTS MUST SIGN HERE I would like to receive marketing material and promotional s from Bank of Sydney? Yes No (Please note you can change your preferences at any time by contacting the Bank on ). Signature x Name I would like to receive marketing material and promotional s from Bank of Sydney? Yes No (Please note you can change your preferences at any time by contacting the Bank on ). Signature x Name Date : l Date : l 7 Only Complete this section if applying for Home Equity Maximiser Authority to Operate (a) I authorise and direct Bank of Sydney (BOS) now and at all times in the future: to establish in my name any banking account which BOS is prepared to establish including any account which I may wish to conduct as a trustee for any other person(s); to debit each account from time to time with government and bank charges; to act upon this authority until BOS receives written notice from me that it may no longer do so; to exercise the banker s right to combine accounts; to permit any signatory who is authorised by me to operate an account to give receipts for monies withdrawn from, and to endorse instruments that may be paid to the credit of, that account; without prejudice to BOS s rights at law and in equity, if there is more than one Accountholder and one of them dies, to pay any credit balance in an account to the surviving Accountholder; and to allow the additional signatories (if any) whose names and signatures appear in paragraph (d) below to operate accounts in accordance with the Mode of Operation specified in this Authority. Mode of Operation The banking facilities pursuant to this authority are to be operated by: (b) I agree that: I will pay government and bank charges in respect of each account; if there is a dispute regarding an account(s) BOS may, in its absolute discretion, close or suspend the account(s) until, in BOS s opinion, the dispute has been resolved; this Authority supersedes any previous Authority I have given BOS with respect to the same subject matter; if an account is overdrawn the debit balance will be due and payable to BOS immediately, without BOS having to make demand, and interest will accrue on any such debit balance at the highest rate charged by BOS in respect of similar overdrawings at that time; and accounts must be conducted in accordance with all of BOS s conditions of use issued from time to time in respect of such accounts and card. (c) I acknowledge that: (i) where there is more than one Accountholder, my liability to BOS is joint and several with the other Accountholder(s); and (ii) in this Application the Applicant may be referred to as I me and my and these pronouns will be taken to mean, respectively, we, us and our where there is more than one Applicant. Either Applicant Applicant 1 only Applicant 2 only Both Applicants (BOS Bank VISA debit Card cannot be ordered if more than one signature required to operate) Other (Please specify) Cheque Book Do you require a Cheque Book? Yes No BOS Bank VISA Debit Card (Please note card access is only available to personal customers on selected accounts.) Applicant 1 Applicant 2 Do you require a VISA Debit Card to access your account? Do you require an VISA Debit Card to access your account? Yes No Yes No Name to appear on VISA debitcard: Name to appear on VISA debit Card: (maximum 19 characters including spaces) (maximum 19 characters including spaces) Before signing this authority, please ensure that all alterations have been initialled and blank spaces ruled through. Signature Applicant 1 Signature Applicant 2 BOS0029 (06/2015) Page 11 Of 17

12 8 Only Complete this section only if applying for a BOS Credit Card Only one Home Loan Applicant can apply. Speak to your Personal Banker to ensure that you are eligible. You may be eligible for one of a range of Bank of Sydney Credit Cards as part of your Home Loan Application. This section is to be completed by the applicant wanting to apply for a Bank of Sydney Credit Card account in conjunction with their home loan application and where all applicants have consented to the use of their personal information for that purpose. I wish to apply for a Bank of Sydney Credit Card account: Yes (Please complete the following application) No Name of applicant Title Given Names Surname Select type of credit card you wish to apply for: For information about these Bank of Sydney credit cards please visit If you request an additional cardholder it will be the same type of card(s) as yours. Bank of Sydney Visa Classic Credit Limit Requested Bank of Sydney Visa Platinum Credit Limit Requested Please specify a credit limit for the credit card above. BOS can provide a credit limit or maximum available based on capacity to service both the home loan and credit card application If you have selected a card product and you don t qualify, we will process this as an application for another card product we select within the same product range. Are you transferring an outstanding balance from another Credit Card No Yes, please arrange as follows: Card type MasterCard Visa Other Card issuer: BPAY Biller code: Name on card: Customer reference number: Amount to be transferred (minimum amount 500) Balance Transfer Terms and Conditions You may at any time request us, and we may agree, to transfer any debit balance of a non-bos-branded Australian credit card account held by you or an additional cardholder to the BOS credit card account subject to the following terms:. We do not accept balance transfers from any BOS-branded credit cards;. Only Australian issued non-bos-branded credit cards can be considered for a balance transfer;. You are not in default on any existing BOS credit card account;. You or the additonal cardholder (as relevant) are not in default of the terms and conditions applicable to the account from which the transfer is made;. Each balance transfer request must be for an amount of 500 or more;. The balance transfer(s) will take approximately 10 working days to process;. You must continue making payments to the nominated non- BOS branded credit card account(s) while the balance transfer(s) are being processed;. The request will only be processed up to a total of 95% of your available credit limit applicable to your BOS credit card at the time of processing. If you request a higher amount to be transferred we will only process up to 95% of your current available credit limit;. The balance transfer(s) will be processed in the order that you request them and we will not be responsible for any delay or any changes in connection with processing a request for a balance transfer;. We will not close a non-bos-branded credit card account. If you wish to, or are required, to close a non-bos-branded card account you will need to arrange this with the other financial institution; and. A request will only be processed to your card account once the card has been activated. If you have just received your card please call to activate your card. BOS0029 (06/2015) Page 12 Of 17

13 Credit Limit Increase Invitations Do you want to receive credit limit increase invitations for this credit card in the future? Yes No By consenting to receive Credit Limit increase invitations relating to your account, you acknowledge and accept that: 1. If you opt in to receive Credit Limit increase invitations, you still retain the discretion whether or not to apply for any increase of your credit limit; 2. Bank of Sydney Card Services retains absolute discretion to grant or decline any increase of your credit limit; and 3. You may withdraw your consent to receive credit limit increase invitations or contact Bank of Sydney to request a change in your credit limit at any time. Optional: Do you wish to apply for an Additional Cardholder. Yes No All transactions made using the additional card/s will be the responsibility of the primary cardholder. Additional cardholders must be 18 years or older. Name of additional cardholder Title Given Names Surname Date of Birth / / Please provide details of a BOS a/c held by the additional cardholder (if applicable) BSB Account No Please Note: If the additional cardholder is not a customer with Bank of Sydney, it will be necessary for the additional cardholder to have their ID verified at a Bank of Sydney branch. Declaration I declare that I am aged 18 years or older and that I am a permanent / temporary Australian resident. I declare that the information in this application is true and correct and that I intend to use this card for personal purposes only. I agree to the terms of the Privacy Notification and Consent above. If I am an additional cardholder, I declare that I am aged 18 years or older. If I am the Primary cardholder, I Request the bank to open the credit card account chosen by me in section 8 and issue to me, and any additional cardholder named in this application, a credit card to operate the account. If I have named an additional cardholder in this application I acknowledge that I am solely liable for all transactions including those conducted by the additional cardholder. I acknowledge that I have received the Key Facts Sheet related to this product prior to submitting my application. If I am requesting a balance transfer, I agree that the balance transfer information above is true and correct. I agree that I will be responsible for the balance outstanding on my BOS Credit Card as a result of the balance transfer request above and that the amount transferred must not exceed 95% of the available credit on the date of the transfer. I understand that the processing of the balance transfer will be reliant on my BOS Credit Card being approved. I agree to receive future communications by to the address I have provided BOS; and I understand it is my responsibility to keep my address up to date so that BOS can communicate with me electronically. Consent to use and disclose your information: I acknowledge that I have read and understood the BOS Privacy Policy; and I agree to the use of my personal and credit information as set out above. My Nomination and Authorisation for the Account to receive Cashback Rewards: Please select one of the below options: I request and authorise the Bank to open an Everyday Saver account in my name in which to receive my Cashback Rewards. I authorise and agree to the Bank using my personal details as provided on this Application and agree to abide by the Terms and Conditions of the Everyday Saver account. I nominate my existing BOS transaction account no. for the purposes of receiving my Cashback Rewards and confirm that this account is in the same name of the Primary Credit Cardholder. Signature of applicant Signature of additional cardholder (where applicable) Date / / Date / / BOS0029 (06/2015) Page 13 Of 17

14 9 Declaration(s) BUSINESS/INVESTMENT PURPOSE DECLARATION (Applicants to complete and sign only if applicable) I/We declare that the credit to be provided to me/us by the credit provider is to be applied wholly or predominantly for: business purposes; or investment purposes other than investment in residential property. IMPORTANT You should only sign this declaration if this loan is wholly or predominantly for: business purposes; or investment purposes other than investment in residential property. By signing this declaration you may lose your protection under the National Credit Code Signature Signature Name Name Date : l : l 2 : 0 : : Date : l : l 2 : 0 : : 9 Declaration(s) (Continued) JOINT NOMINATION FORM Each Borrower is separately entitled under the National Credit Code to receive a copy of any notice or other document under the National Credit Code. By signing below, you give up the right to be provided with multiple copies of information direct from the Lender, and nominate one person to receive this information. I/We nominate (full name of individual nominated) to receive notices and other documents under the National Credit Code on behalf of me/all of us. Please only sign below if each wish to nominate one of you. Only a person who is a Borrower may be the person nominated. Any Borrower who has signed this form can advise the Lender at any time in writing that they wish to cancel their nomination. Following any cancellation, the Lender will from then on provide each joint Borrower with their own separate copy of any notice or other document under the National Credit Code. Signature of Borrower Name of Borrower Date : l : l 2 : 0 : : Signature of Borrower Name of Borrower Date : l : l 2 : 0 : : BOS0029 (06/2015) Page 14 Of 17

15 10 Irrevocable Authority (Compulsory) We intend to finance the above loan account(s) with Bank of Sydney Ltd (BOS). In order to enable BOS to make its assessment as to whether to approve the above mentioned proposed loan we authorise BOS to: Conduct a valuation over the Proposed Security Property/(ies), as outlined on page 4 of this application; Instruct its solicitors to prepare security documentation upon loan approval being granted; We further authorise BOS to debit the following Bank of Sydney account in payment of the Valuation Fee and/or Legal Costs including searches incurred as a result of the above even where the loan does not proceed because BOS have either declined the Loan Application, or the Loan has been withdrawn by either BOS or us after the proposed loan has been approved on a conditional or unconditional basis: Account Name: BOS Account No: Or cheque enclosed for: BSB No: In addition, we confirm that: this Irrevocable Authority is sufficient for BOS to debit the Valuation Fee and/or Legal Costs including searches in respect of the above Proposed Security; we understand that these fees will be due and payable immediately on BOS declining the loan application for any reason or the Borrower or BOS withdraw the loan for any reason; this authority is irrevocable, and BOS is authorised by us to debit any amount associated with the Valuation Fee and/or Legal Costs including searches from the above account; and we do not require BOS to provide notice before debiting the Valuation Fee and/or Legal Costs including searches from the above account. If the account nominated above is no longer active at the time that BOS debits the amount of the Valuation Fee and/or Legal Fee including searches, we will immediately pay to BOS these amounts in accordance with this Irrevocable Authority. Name of Borrower/Accountholder Signature Date : I : I : : : Name of Borrower/Accountholder Signature Date : I : I : : : Name of Borrower/Accountholder Signature Date : I : I : : : BOS0029 (06/2015) Page 15 Of 17

16 11 Periodical Payment Authority to make Home Loan Repayments Customer ("you") of NEW AUTHORITY This form authorises Bank of Sydney Ltd ACN ("we/us") to make the following periodical payments in respect of your Loan Agreement with us dated (Loan Agreement): DETAILS OF ACCOUNT TO BE DEBITED Account Name Account Number : : : : : : : : BSB 9 : 4 : 2 - : : DETAILS OF ACCOUNT TO BE CREDITED Loan Account Name Loan Account Number : : : : : : : : BSB 9 : 4 : 2 - : : Payment Reference 1. Loan Repayment Amount (if left blank will be automatically adjusted to minimum monthly applicable amount) Payment Frequency: (Fortnightly, Monthly) Start Date Expiry Date or if left blank "Until Further Notice" 2. Loan Repayment (extra for variable loans) 3. Monthly Fees * Until Further Notice means - Any period for which Bank of Sydney agrees in writing to extend the Loan Agreement. This may include an extension until loan is fully repaid. Periodical Payment Request Service Agreement This document provides information to you regarding periodical payments. By signing the Periodical Request (PPR) you acknowledge you have read and understood these terms: 1. The Periodic Payment Request (PPR) will be used to debit amounts due by you and under your Loan Agreement. 2. We will endeavour to make the periodical payments, but accept no responsibility for making them. We will not incur liability for refusing or omitting to make all or any payments or for late payments or for failing to follow your instructions. 3. If a payment falls due on a non-business day, the amount will be debited on the next business day. 4. The purpose for which the PPR is used will not be changed without giving you at least 14 days notice. 5. All information relating to your nominated account will be kept in accordance with our Privacy Policy. 6. You may not terminate the PPR without our consent. 7. You may request a stop to any individual periodical payment by giving you written notice to us at least 5 business days prior to the payment due date. 8. You may request deferment or alteration to payments under the PPR by contacting us at least 5 days prior to the payment due date. 9. You must arrange a suitable alternate payment method with us if you wish to request a stop to a periodic payment or cancel the PPR before we will agree to such a change. BOS0029 (06/2015) Page 16 Of 17

17 Periodical Payment Request Service Agreement continued 10. If you consider that a periodical payment has been incorrectly made, you should contact us or your financial institution. We will determine whether the periodical payment was correct, and if not, arrange for an adjustment. 11. You must ensure there are sufficient clear funds available in the nominated account to meet each payment on its due date. You must advise us if the account nominated by you to receive the PPR is transferred or closed. 12. You must not close or alter the account being debited without our prior written consent and unless aproved alternate payment arrangements have been made. 13. We may debit your account for any bank fees or government charges that apply to periodical payments from time to time. 14. We reserve the right to increase the amount of payment under the PPR to cover any increased repayment due in respect of your loan upon the provision of at least 20 days written notice to you. Customer Declaration and Acknowledgements I / We have read and agree to be bound by the above Terms and Conditions. x Date: / /20 Customer Signature x Date: / /20 Customer Signature Note: No changes can be made to any existing Bank of Sydney account unless all relevant information on this form has been completed BANK USE ONLY - CREDIT OPERATIONS Periodical Payment: PP Order No. INPUT BY Name: Signature: Date: 1. l l 2. l l 3. l l 4. l l CHECKED BY Name: Signature: Date: 1. l l 2. l l 3. l l 4. l l BOS0029 (06/2015) Page 17 Of 17