LOW RATE CREDIT CARD APPLICATION.

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1 LOW RATE CREDIT CARD APPLICATION. For any enquiries contact us on Mail to ME Bank, Account Origination, Reply Paid 1345, Melbourne VIC 8060 Fax to (03) or scan and to Visit mebank.com.au Before we can open an account, we are legally required to verify your identity and the identity of each additional cardholder if you, or any additional cardholder, are not an existing ME Bank customer. We may do this electronically using reliable and independent data sources. We will contact you to request identification documents if we cannot verify your identity electronically. To apply you must have a good credit rating and be: at least 18 years of age an Australian citizen or permanent resident For faster approval, please include the documents listed below with your application All applications must include: Proof of income payslip (less than 4 weeks old), group certificate, if self employed last 2 years tax return and last Tax Assessment Notice (less than 18 months old), rental agreement etc. Your credit limit Requested credit limit (maximum 15,000) Personal details If requesting a balance of transfer: credit cards or store cards - your most recent statement Are you an existing ME Bank customer? No Yes Account number Title (Mr/Mrs/Miss/Ms/other) Given name(s) Family name Date of birth What is your marital status? (please tick one) Number of dependants Age of each dependant D D M M Y Y Y Y Gender (M or F) Single Married/Domestic partner Driver's licence number Password* (5-9 characters) Mother s maiden name *New ME Bank customers - please nominate a password which we will request for identification purposes when you contact us. Contact details What is your residential status? (please tick one) Own my home Have a mortgage Renting Boarding Living with parent(s) Residential address (P.O. Box addresses are not acceptable) Mobile phone Preferred daytime contact Home phone How long have you lived at this address? years months ( ) Home Previous residential address (if at current address for less than two years) Work phone ( ) Work address Mobile How long did you live at this address? years months Details of a relative or friend not living with you (they must live in Australia) Given name(s) Family name Phone number ( ) Please advise your relative or friend that we may contact them regarding your whereabouts if we are unable to locate you. Members Equity Bank Limited ABN AFSL and Australian Credit Licence Number

2 Employment details Your current employment details (please tick one) Full time Part time Casual Home duties Retired Self-employed Student Unemployed Occupation (e.g. builder, mechanic, nurse) Employer's name (company name) Employer's address (P.O. Box addresses are not acceptable) Employer s contact number (mobile number not accepted) How long have you worked there? ( ) years months Please advise your employer that we will contact them to verify your income. If self-employed Business name ABN Duration Accountant's name and address (P.O. Box addresses are not acceptable) Accountant's contact number (mobile number not accepted) ( ) Please advise your accountant that we will contact them to verify your income. Previous employment details (if at current employment for less than two years) Full time Part time Casual Home duties Retired Self-employed Student Unemployed Occupation (e.g. builder, mechanic, nurse) Employer's name (company name) years months Employer's address (P.O. Box addresses are not acceptable) Employer s contact number (mobile number not accepted) How long have you worked there? ( ) years months Income details Gross annual salary/wages (before tax) Annual overtime income Other annual income (e.g. Centrelink benefits) Specify type Other annual income (e.g. child support) Specify type Annual rental income Total gross annual income Have you ever been declared bankrupt? Yes No Free additional card (additional cardholder must be at least 16 years of age) Title (Mr/Mrs/Miss/Ms/other) Given name(s) Family name Date of birth D D M M Y Y Y Y Gender (M or F) Driver's licence number Password* (5-9 characters) Mother s maiden name *New ME Bank customers - please nominate a password which we will request for identification purposes when you contact us. Members Equity Bank Limited ABN AFSL and Australian Credit Licence Number

3 Financial position Assets (What do you own? If owned jointly - your share) Real estate (please supply the address) Value Savings or deposit accounts (please provide the name of financial institution) Other assets (please describe e.g. household contents, motor vehicle, superannuation) Liabilities (What do you owe? If owed jointly - your share) Balance Home loans (please provide the name of financial institution) Monthly payment Amount owing Personal loans (please provide the name of financial institution) Monthly payment Amount owing Credit/Store cards (please provide the name of financial institution) Credit limit Amount owing Overdrafts (please provide the name of financial institution) Credit limit Amount owing Other liabilities (e.g. HECS/HELP, car leases) Monthly payment Amount owing Ongoing expenses: Value Monthly payment Living expenses (e.g. insurance (medical, vehicle etc.), utilities, phone/internet, medical, rates, travel, (vehicle running costs, public transport etc.), education/childcare, food, clothing, entertainment) Rent/Board Other expenses (e.g. child support, voluntary super contributions, gifts) Transfer a balance from another credit card Please transfer a balance of Card account name to my new Low Rate Credit Card from the following account. Card number Card issuer Please attach a copy of your most recent statement. BPAY Biller Code BPAY Reference Number Will you then close this card? Yes No Conditions of balance transfer You can transfer any outstanding amount up to 100 less than your available ME Bank credit card limit. Delays in processing your balance transfer may occur. You must continue to make payments on your other credit card until a statement for that card confirms the account has been credited. ME Bank will not close your other credit card account. If you wish to close your other account you will need to arrange this with the other financial institution. ME Bank is not responsible for any overdue payment or interest incurred on your other credit card account. ME Bank reserves the right not to process this balance transfer request (e.g. if your approved new credit card limit is not sufficient to cover the balance, or your account is overdue or over limit). There is no interest free period for balance transfers. Interest is charged daily from the date of transfer. Members Equity Bank Limited ABN AFSL and Australian Credit Licence Number

4 Credit Limit Increase Invitations With your consent ME Bank may send you written credit limit increase invitations offering to increase your credit limit or inviting you to apply for an increase in the credit limit on your Low Rate Credit Card. Before you decide whether to provide your consent you should know that: If you receive a credit limit increase invitation, it is your choice whether to apply. If you do apply, ME Bank has the option whether to approve the increase you have applied for. You can withdraw your consent to receive credit limit increase invitations at any time by calling us on You can still apply for a credit limit increase if you don t consent to receive credit limit increase invitations from us. Do you (the primary cardholder) consent to receive any credit limit increase invitations that ME Bank may, from time to time, make? Yes No (please tick one) Privacy Notice By completing an application, you are providing your personal information to Members Equity Bank Limited and its related entities (collectively ME Bank, we, us, our) for the primary purpose of assessing your application, verifying your identity, assessing you for insurance and then establishing and administering your account. Your personal information may be used and disclosed to third party service providers for these purposes. Without this information we may not be able to consider or approve your application or provide our services. Personal information that we collect includes credit information. Credit information includes information about your past experiences with us or other lenders, the kinds of credit products you have or have applied for, how you have managed your obligations, information contained in a credit report about you and information about your credit worthiness that has been derived from a report about you. You must only give us information about any other person with their permission, and only if you have taken them through this privacy notice. Collection of Information Some laws require or authorise our collection of your personal information, including: the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth); the National Consumer Credit Protection Act 2009 (Cth); and the Income Tax Assessment Act 1936 (Cth), if you choose to provide your Tax File Number. We also collect your personal information (including, as permitted by law, information derived from a credit report) for the purposes of: considering any other application made by you for products or services or your suitability if you have offered to be a guarantor or security provider; customer relations including management of our relationship with you and market or customer satisfaction research and product development; our internal operations including record keeping, risk management, auditing purposes, training, securitisation, credit scoring, file reviews, actuarial processes and portfolio analysis; information technology systems development and testing; arrangements with other organisations to provide services in relation to our products and services (for example, we may arrange for mailing houses to distribute loan statements to customers); investigating, resolving and preventing complaints; conducting fraud assessments; and reporting and data analytics, including for regulatory, management, statistical or research purposes. In addition, (unless you instruct us otherwise) we may use your personal information (other than information derived from a credit report) to inform you about any of our products, or those of our alliance partners, that may be of interest to you and if you are a member or a customer of one of our alliance partners (including a superannuation fund, union, insurer or other third party with whom we have arrangements), we may also use your information for the purpose of providing benefits to you or to obtain aggregate information for statistical or research purposes. Use and Disclosure of Information - General We may disclose your personal information (including, as permitted by law, information derived from a credit report) for the purposes above to: our related entities, insurers, service providers, agents (including debt collection agencies), contractors or external advisers to help us provide banking and related services to you (including lawyers and auditors); any person acting on your behalf, including your legal and financial advisers; your broker (if applicable); government and other regulatory bodies, law enforcement bodies and courts as required by law or in accordance with prudent banking practice; third parties providing fraud detection services; external complaint resolution bodies (for example, the Financial Ombudsman Service); any person or entity to whom we are considering selling part of our banking business; rating agencies; and other financial institutions and credit providers. We may also disclose your personal information (other than information derived from a credit report) to our alliance partners, your referees, including your employer (to confirm details about you) and payments system operators. Our third party service providers may store or access your personal information overseas, including in Canada, USA, United Kingdom, Philippines, Singapore and Hong Kong, as well as any other countries listed in our Privacy and Credit Reporting Policy from time to time. Credit Reporting Bodies We may collect personal information about you from, and/or disclose it to, credit reporting bodies (CRBs), including by: disclosing any credit information we hold about you which may include your identification information. The CRB may include this information in credit reports provided to other credit providers to assist them in assessing your credit worthiness; disclosing any failures to meet your payment obligations, or any fraud or other serious credit infringement you have committed; and obtaining a credit report about you for the purpose of assessing your application, your suitability as a guarantor or security provider or for collecting overdue payments. The CRB we use is Veda Advantage Information Services and Solutions Limited (Veda). You can get a copy of Veda's privacy policy at or by contacting Veda at You can ask a CRB not to use or disclose credit information it holds about you for a period of 21 days (called a "ban period") without your consent if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud. CRBs at our request or the request of another credit provider, may use credit information they hold to "pre-screen" you for direct marketing. You can ask a CRB not to do this. Members Equity Bank Limited ABN AFSL and Australian Credit Licence Number

5 Privacy Notice (continued) Marketing ME Bank may use your personal information to get in touch with you about ME Bank products and services, or those of our alliance partners, that may be of interest. If you do not want us to do this, please call us on or log in to internet banking to send us a secure . Further Information You have rights to access and seek correction of personal information we hold about you, and our Privacy and Credit Reporting Policy contains information about how you can do this, how you can make a complaint about a breach of your privacy rights (including a breach of Part IIIA of the Privacy Act), and how we deal with complaints. ME Bank You can contact ME Bank's Privacy Officer on or by writing to the Privacy Officer at ME Bank, GPO Box 1345, Melbourne VIC 3001 or by at ME Bank's Privacy and Credit Reporting Policy is available at Verifying your Identity If you are not an existing ME Bank customer before we can open an account we are legally required to verify your identity. We may do this electronically using reliable and independent data sources. We will contact you to request identification documents if we cannot verify your identity electronically. Credit Information File This is one of the best electronic data sources we can use to verify your identity. We will not access your credit rating or credit history. We will only check your name, address and date of birth against those held on Dunn & Bradstreet s Credit Information File. If you consent to ME Bank using your Credit Information File to help verify your identity then you need to read and accept the following terms and conditions. By ticking this box you consent to ME Bank disclosing your name, residential address and date of birth to a credit reporting body to assist us to verify your identity. We will request and the credit reporting body may provide an assessment of whether the personal information provided matches (in whole or in part) personal information contained in a credit information file held by the credit reporting body. In preparing the assessment the credit reporting body may use the personal information about you and other individuals contained in their credit information files. No other information about your credit information file will be provided to ME Bank. If you don t want your identity verified using your credit information file we will try to verify your identity from other electronic data sources. Declaration By signing below, I declare that: 1. I wish to apply for a Low Rate Credit Card. 2. The information in this application is true and complete and I authorise ME Bank to verify this information. (This includes contacting my employer or accountant to verify my income.) 3. I have informed the third parties nominated in this form that: I have provided their personal details to ME Bank and that they can gain access to this information; ME Bank will use and disclose their information for the purposes set out in this form; and if their personal information is not supplied to ME Bank, that ME Bank may not be able to assess my application. 4. I agree to comply with the ME Bank Credit Card Terms and Conditions and the ME Bank Electronic Access Terms and Conditions. Copies of these terms and conditions are available from mebank.com.au or by calling us on ME Bank will also provide you with copies before you start using your account. 5. If I have applied for a balance transfer, I agree to the Conditions of Balance Transfer. 6. I acknowledge that ME Bank may send SMS updates to my mobile phone number regarding the status of my application. 7. I agree and consent to my credit information, credit eligibility information, credit reporting information and personal information being collected, used and disclosed in the manner and for the purposes set out in the Privacy Notice in this application form and condition 17 of the ME Bank Credit Card Terms and Conditions. Primary cardholder Print name Signature Date D D M M Y Y Additional cardholder Print name (if applicable) Signature Date D D M M Y Y MESTCC1400 Members Equity Bank Limited ABN AFSL and Australian Credit Licence Number MC0016.v01/WEB/1014/

6 Key facts about this credit card Correct as at: 10 November This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act Description of credit card Product name Minimum credit limit 1, Minimum repayments Interest on purchases Interest-free period Interest on cash advances Balance transfer interest rate Annual fee 0 Low Rate Credit Card The minimum repayment is: the closing monthly balance of your account if it is less than 10; or 3% of the closing monthly balance of your account or 10 (whichever is the greater). 9.99% p.a. Up to 55 days on purchases. No interest-free period applies to cash advances. 9.99% p.a. 9.99% p.a. Late payment fee There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from mebank.com.au/creditcard For more information on choosing and using credit cards visit the ASIC consumer website at The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting mebank.com.au/terms_and_forms or by contacting us on Members Equity Bank Limited ABN Australian Credit Licence Number MC0012/3/WEB/1014/213982

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