HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS

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1 HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS This is an important document. If you have difficulty understanding English, you must use an interpreter to explain it to you. Ôï ðáñáêüôù åßíáé Ýíá óçìáíôéêü Ýããñáöï. ÅÜí Ý åôå äõóêïëßåò íá êáôáëüâåôå, ôé ëýåé óôá áããëéêü ðñýðåé íá ñçóéìïðïéþóåôå äéåñìçíýá ãéá íá óáò ôï åîçãþóåé. To process your request in the most efficient manner please provide us with the following: Personal identification (for new customers only): Income Verification: Passport Birth Certificate Marriage Certificate Tax Returns for the last two or three years. Copy of Group Certificate for the last year Two recent pay slips Driver's Licence Credit Cards Assets and Liabilities: For new property purchases: Most recent Statements of Savings / Transaction accounts Most recent Statements of loans and Credit Cards (6 Months) Most recent Rate Notice(s) of property you own Copy of the Contract of Sale Evidence of Deposit paid Copy of the proposed Transfer of Land Evidence of Current Insurance for Property you own Details of Superannuation / Life Insurance IMPORTANT If your loan is wholly or predominantly for Personal Investment purposes or if your loan is wholly or predominantly for Business or Business Investment purposes, ensure that the Business Purpose Declaration inside this application is completed Bank of Cyprus Australia Pty Ltd ABN AFSL No

2 Applicant No 1 Mr Mrs Miss Ms Surname Given Name Middle Name Date of Birth / / Marital Status Married De facto Single Number of Dependants Driver s Licence No. Ages of Dependants Are you a permanent Australian Citizen? Yes No Telephone Numbers Home ( ) Work ( ) Mobile Home Address Correspondence Address (if different from above) Residential Details Own/Buying Renting Living with relatives Number of years at current address yrs. Previous Home Address (if under 2 yrs at current address) Number of years at previous address yrs. Employment Details Full-time Part-time Self-employed Casual Employer s name and address Telephone No ( ) Occupation Duration yrs Previous Employer (If under 2 yrs at current employer). Duration yrs Banking Details Name and address of main Banker Account Name

3 Applicant No 2 Mr Mrs Miss Ms Surname Given Name Middle Name Date of Birth / / Marital Status Married De facto Single Number of Dependants Driver s Licence No. Ages of Dependants Are you a permanent Australian Citizen? Yes No Telephone Numbers Home ( ) Work ( ) Mobile Home Address Correspondence Address (if different from above) Residential Details Own/Buying Renting Living with relatives Number of years at current address yrs. Previous Home Address (if under 2 yrs at current address) Number of years at previous address yrs. Employment Details Full-time Part-time Self-employed Casual Employer s name and address Telephone No ( ) Occupation Duration yrs Previous Employer (If under 2 yrs at current employer). Duration yrs Banking Details Name and address of main Banker Account Name

4 If the loan is to be in a company name please complete the following. (Additional information will be required). Company Name Business Type ACN No ABN Registered Office Trading Address Trust Details (if applicable) Loan Details Purpose New Purchase Refinance Are you eligible for the First Home Owners Grant? Yes No Name of Financial Institution Loan Consolidation Increase limit of an existing loan Account Number Type of Loan Amount Requested Purpose Total Bank Funding Required Personal Investment Term of Loan (years) (Max. 25 years) Loan Interest Rate Variable Rate Home Equity Loan Fixed Rate yrs(max 5yrs). Repayment Method Interest Only Interest only period (years) (Max. 5 years) Principal and interest instalments. Instalment Frequency Monthly Fortnightly Periodical Payment Nomination Would you like your loan repayments to be deducted from your Bank of Cyprus Australia nominated account? Yes - give details No Account Name Account No Branch No

5 Property Information (if offered for security) PROPERTY 1 Address: Type of Property: House Town House Unit Property will be: Owner occupied Rental / Investment General description of building Walls: Brick Timber Fibro Roof: Tile Iron Number of Bedrooms features (e.g. Security devices) Purchase Price Number of Bathrooms Volume Folio Family / Living Rooms Contact Name & Telephone No. for Property Valuation PROPERTY 2 Address: Type of Property: House Town House Unit Property will be: Owner occupied Rental / Investment General description of building Walls: Brick Timber Fibro Roof: Tile Iron Number of Bedrooms features (e.g. Security devices) Purchase Price Number of Bathrooms Volume Folio Family / Living Rooms Contact Name & Telephone No. for Property Valuation CONSTRUCTION Property above 1 or 2 Estimated Building Completion Date / / Total cost of Building New Home Home Extension The following documents are required for construction of a new house and may be required for a home extension: Registered Building Owner Builder / Subcontractor Plans & Specifications (e.g. Council approved plans, Building permit) Signed fixed price Building Contract Copy of Builders Insurance Solicitor s / Conveyancer s Details Contact Name Company Name Plans, permits & licences (e.g. Council approved plans, Building permit) Expenditure Budget Quotations and estimates Quantity Survey and Soil Test Timeline of project Building and Indemnity Insurance Address Telephone No ( ) Fax No ( )

6 Statement of Financial Position Monthly Income Salary Gross salary Applicant No1 Applicant No2 income (part-time Dividends, interest, etc.) Gross rental Income Rental Income after expenses ( x 75%) After tax salary Self employed applicants Net Profit After tax profit Profit (attach financial Statements) Total Net Income per month Summary Total net income per month Monthly Outgoings Home Loans Personal Loans Credit cards / Store cards debts loans Total Credit Commitments Insurance Gas Electricity Rates/Water/Council Telephone Mobile Telephone Living Expenses Motor Vehicle Expenses Rent Less Total monthly outgoings Uncommitted Monthly Income Total Monthly Outgoings Assets Liabilities Real Estate Owned Value Value Deposit Accounts Organisation Account Name Value Life Insurance Surrender Value Motor Vehicle/s Make Model Year Value Assets (excluding home contents) Value Value Mortgage Loans Name of Lender Account Name Amount Owing Loans Name of Lender Account Name Amount Owing Credit Cards/ Store Cards Type Issuer Limit Outstanding Total Value of Assets Assets Not Included In Total Value Home Contents Superannuation (Payout value) Goodwill of Business All other debts (Specify Lenders) Total Value of Assets Less Total Value of Liabilities Surplus Total Value of Liabilities

7 Insurance Arrangement Insurance Company details Cover Held Building Contents Valuables/Personal Effects Insurance to be arranged by myself/ourselves, with the Bank of Cyprus Australia s interest noted as mortgagee. Lenders Mortgage Insurance (Bank to complete) Is Lenders Mortgage Insurance required? Yes No Declaration I/we have never been bankrupt or had judgement entered against me/us for unsatisfied debts I/we are not currently guaranteeing repayment of a debt on behalf of someone else I/we have never been known by any other name and have never changed my/our name (except as the result of marriage) If you answered false to either of the above questions, please provide details: True True True False False False Applicant No1 Signature Applicant No 2 Signature Borrowers Nomination to Receive Notices Account Name I/we nominate to receive notices and other documents under the Consumer Credit Code on my/our behalf in relation to a loan as a result of this application IMPORTANT - each Borrower/Mortgagor/Guarantor is entitled to receive a copy of any notice or other document under the Code. By signing this nomination you are giving up the right to be provided with information direct from the Bank. Such information will go to the nominated person on your behalf. Any person who has signed this nomination can advise the Bank at any time that they wish to cancel their nomination. Applicant No 1 Signature Applicant No 2 Signature Guarantors Nomination to Receive Notices Account Name I/we nominate to receive notices and other documents under the Consumer Credit Code on my/our behalf in relation to a loan as a result of this application IMPORTANT - each Borrower/Mortgagor/Guarantor is entitled to receive a copy of any notice or other document under the Code. By signing this nomination you are giving up the right to be provided with information direct from the Bank. Such information will go to the nominated person on your behalf. Any person who has signed this nomination can advise the Bank at any time that they wish to cancel their nomination. Applicant No 1 Signature Applicant No 2 Signature

8 Business Purpose Declaration DECLARATION UNDER THE CONSUMER CREDIT CODE WHERE THE CREDIT IS TO BE APPLIED WHOLLY OR PREDOMINANTLY FOR BUSINESS OR INVESTMENT PURPOSES To: Bank Bank of of of Cyprus Cyprus Australia Australia A Pty division Ltd AFSL/Australian of ABN Bendigo and 167 Adelaide Credit 907Bank Licence Limited, ABN ABN AFSL/Australian Credit Licence 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 or investment purposes (or for both purposes) IMPORTANT- You should not sign this declaration unless this loan is wholly or predominantly for business or investment purposes. By signing this declaration you may lose your protection under the Consumer Credit Code. Applicant No 1 Signature Applicant No 2 Signature please print name please print name Date: / / You may need a separate declaration for each loan that the credit provider gives.

9 Privacy Consent (Privacy Protection of Information) This Consent must be signed by each individual applying, and by each individual who provides personal information, to the Bank including but not limited to guarantors. Bank To the of Bank Cyprus of of Cyprus Australia Australia A Ltd division Pty AFSL/Australian Limited of Bendigo ABN Credit 51 and 092 Licence Adelaide Bank ('the ABN Bank') Limited, ( the Bank ) ABN AFSL/Australian Credit Licence Acknowledgement and authority that the credit information may be given to a credit reporting agency. The Privacy Act (1988) allows the Bank to give a credit reporting agency certain personal information about me/us which I/we authorise the Bank to do. The information which may be given to a credit reporting agency includes: - Identifying details of me/us. - The fact that I/we have applied for credit and the amount. - The fact that the Bank is a credit provider to me/us. - Payments, including payments that are wholly or partly a payment of interest, which become overdue more than 60 days and collection action has commenced. - Advice that payments are no longer overdue. - Cheques in excess of drawn by me/us which the Bank has dishonoured more than once. - Court judgments made against me/us. - Bankruptcy orders made against me/us. - In specific circumstances, that in the opinion of the Bank I/we have committed a serious credit infringement. - That the credit provided to me/us by the Bank has been discharged. Authority for the Bank to obtain certain credit information. To enable the Bank to assess my/our application for commercial or personal credit, or (where applicable) to assess whether to accept me/us as a guarantor, and to conduct subsequent reviews, I/we authorise the Bank to obtain from a: - credit reporting agency a credit report containing personal or commercial information about me/us in relation to personal or commercial credit provided to me/us or (where applicable) for which I/we are guarantors. - credit reporting agency a credit report containing personal or commercial information about me/us for the purpose of the collection of payments that are overdue in respect of the personal or commercial credit provided to me/us or (where applicable) for which I/we are guarantors. - business which provides information about the commercial credit worthiness of persons a report containing information about my/our commercial activities or commercial credit worthiness. Authority to exchange information with other credit providers I/we authorise the Bank to give and to obtain from other credit providers named in this credit application, and credit providers that may be named in my/our credit report issued by a credit reporting agency, information about my/our credit arrangements. I/we understand this information can include any information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act (1988). I/we understand the information may be used for the following purposes: - To assess an application by me/us for credit. - To assist me/us avoid defaulting on my/our credit obligations. - To notify other credit providers of a default by me/us. - To assess my/our credit worthiness. Banker's opinion I/we authorise the Bank to give and receive a Banker's Opinion for purposes connected with my/our business, trade or profession.

10 Authority for Lender Mortgage Insurers (if applicable) Lenders Mortgage Insurance protects the Bank against any shortfall from a mortgagee sale of the security property. A claim paid under mortgage insurance will be recovered by the mortgage insurer directly from the borrower(s) and/or guarantor(s). I/we authorise the Bank to disclose a report or information to a Lender Mortgage Insurer to assess: - whether to insure or the risk of insuring the Bank for the credit given to me/us, - to assess the risk of default by me/us on the credit given to me/us - for any purpose arising under the contract of insurance between the Bank and the Lenders Mortgage Insurer. I/We acknowledge that the Bank may provide personal information about me/us to Lenders Mortgage Insurers in connection with my/our application. Should I/We wish to obtain details of these organisations, and how I/we should contact them, the Bank, will provide me/us with these details. I/we acknowledge that my/our personal information is collected by these organisations for the purposes set out above. In this respect, the organisations may disclose my/our personal information to their related companies. If my/our personal information is not provided to these organisations, I/we acknowledge that the Bank may not be in a position to provide me/us with the loan facility requested. Authority for the Bank to give information to guarantors and proposed guarantors. I/we authorise the Bank to give to any person nominated as guarantor or potential guarantor of, or to any person who has or will provide property as security for, personal or commercial credit provided to me/us by the Bank: - personal information about my/our credit worthiness, credit standing, credit history, credit capacity or other relevant information (i) relating to the credit facilities which are the subject of the guarantee (ii) for any purpose related to the enforcement or proposed enforcement of the guarantee; or (iii) to decide whether to offer to act as guarantor or to offer security for the credit provided to me/us. - A copy of the agreement guaranteed or to be guaranteed by the guarantor (whether signed or unsigned) - A copy of any notice sent to me/us or to the Bank (including a formal demand) - If the guarantor requests, a copy of any statement for my credit or other facility which they guarantee. Promotion of other products or services If this application is approved, then until I/we notify the Bank otherwise, the Bank may use my/our personal information to help promote its products or services or those of its related companies. Where I/we do not want the Bank to notify me/us about its products and services or those of its related companies, I/we may withdraw our consent by calling , contacting any Bank of Cyprus Australia branch or notifying the Bank through the Bank's website Acknowledgments and Consents - I/we acknowledge that this application form is not to be regarded as an offer or acceptance of credit under any legislation relating to the provision of credit. - I/we understand that if the Bank declines my/our credit application due to adverse information on my/our personal credit file, then each applicant for the credit may be notified that the application has been declined wholly or partly on information from a personal credit report relating to me/us. - I/we understand that I/we may request access to my/our information at any Bank of Cyprus Australia branch and understand that the Bank may impose a fee for providing such information - I/we acknowledge and agree that the Bank may contact my/our employer and other parties noted in the form to verify the details which I/we have provided. - I/we acknowledge that the Bank may share my/our personal information with other Bank of Cyprus entities and other related entities for the purposes of providing me/us with the loan facility. Declaration and Authority I/we have read the particulars which have been completed in this form and state that these particulars are true and correct and have been provided to the Bank to enable it to determine whether or not to provide me/us with the loan facility for which I/we hereby make a formal application.

11 I/we agree to pay all costs, outlays and out of pocket expenses (including valuation, registration, stamp duty and legal costs) incurred by the Bank whether or not the loan facility is approved or the loan funds advanced. I/we authorise the Bank to debit my/our nominated account, or any other account held with the Bank if the nominated account has insufficient funds, for all repayments and interest payable in relation to the loan. I/we also understand and confirm that a credit check may be undertaken as part of this application and I/we have read, understood and agree to the above 'Customer Consent (Privacy Protection of Information)'. Applicant No 1 Applicant No 2 Signature Signature Date / / Date / / Guarantor Declaration (where applicable) I/we have read the particulars which have been completed in this form and state that these particulars are true and correct and have been provided to the Bank to enable it to determine whether or not to accept me/us as a guarantor for the loan facility. I/we have read, understood and agree to the above 'Customer Consent (Privacy Protection of Information)'. My/our agreement to the use and disclosure of my/our personal information applies to any personal information collected by the Bank in the course of my/our relationship with the Bank. Guarantor's Name: Guarantor's Name: Guarantor's Signature: Guarantor's Signature: Date / / Date / /

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