Home Loan Customer Consent Pack

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1 Commonwealth Bank of Australia ABN Australian credit licence Home Loan Customer Consent Pack Purpose This document tells you about: why we collect your personal information and how we use and exchange your information with others. This form also tells you about our privacy practices. You must give us accurate and complete information; otherwise you may be breaking the law and we may not be able to provide you with the products and services that best suit your needs. you includes individual borrowers and any person who holds office in an entity which is a borrower. we means Commonwealth Bank of Australia and its agents. Group means us and our subsidiaries. your information means information about you or your entity (such as name and contact details), your interactions with us (such as card transactions) and your credit history (such as amount borrowed, whether you fail to make any repayments on time and information obtained from credit reporting bureaus). It may also include information about you that is publicly available, for example from public registers or social media. the supplementary banking products that you can apply for using the application form. If you d like to obtain a copy of the usual terms and conditions for any product please call (8am to 8pm, 365 days) or visit any Commonwealth Bank branch. We recommend that you obtain and read the relevant terms and conditions to find out if the product is right for you. Part A Identity, Verification and Privacy Information What you need to know 1. Why we collect your information and what we use it for We collect your information to identify you in accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act, and if you are giving a mortgage, certain State property laws, e.g. the Real Property Act in NSW, and to assess your application for credit under the National Consumer Credit Protection Act if applicable. We also collect it to administer our customer relationships, for internal processes including risk management and pricing, to meet our obligations in relation to external payment and credit reporting systems, for our own funding arrangements, and (unless you tell us not to) to identify and tell you about products and services that may interest you. In some cases, we collect sensitive information for specific purposes. For example, in assessing an application you make for hardship relief, we may collect information about your health. 2. Exchanging information with CRBs and others involved in credit We exchange your information with credit reporting bodies (CRBs); other credit providers; persons who are involved in arrangements that provide funding to us; and third parties providing fraud detection services in order for us or them to: decide whether to accept you/your entity as a borrower or advise as to risks of acceptance; manage credit borrowed by you/your entity and collect overdue payments; and facilitate or manage funding arrangements. In addition, you authorise us to: obtain a consumer credit report from a CRB to assess an application for, or collect overdue payments of, commercial credit for which you or your entity has applied; obtain commercial credit information about you in order to assess an application by you for consumer credit; and disclose to CRBs whether you have made repayments on time. You also authorise CRBs to disclose your information (including consumer credit information) to a trade insurer in order for that insurer to assess the risks relating to providing insurance to us. The CRBs we use are: Veda: Experian: and Dun & Bradstreet: See our Privacy Policy for how to access CRB credit information handling policies and information about your rights if you suspect you may be a victim of identity fraud and regarding use by CRBs of your information for marketing purposes. You have rights to access any credit-related information from us, to request us to correct the information, and to make a complaint to us in relation to the information. 3. Exchanging information with guarantors You authorise us to give any current or prospective guarantor or security provider any information concerning you/your entity so that they can decide whether to act as guarantor/security provider. This includes information about any facility to be guaranteed (and any facility to be refinanced by it). 4. Other people we may exchange your information with You authorise us to exchange your information with members of the Group who may use your information for any of the purposes we can. We may also exchange your information with others outside the Group, for example, your employer (to verify your identity), representatives, franchisor or builder, mortgage insurers, brokers and agents who refer your business to us, our service providers, other financial institutions, debt collectors and debt purchasers and relevant public registers. Sometimes, it may be necessary to send your information overseas for example, where we outsource functions overseas, send information to Group members overseas, where we need to complete a particular transaction on your behalf or where this is required by laws and regulations in Australia or in another country. See our Privacy Policy for more information Page 1 of 3

2 Part B Smart Access, Complete Access with the Everyday Offset feature, Viridian Line of Credit and Equity Unlock Loan for Seniors This section provides important information about supplementary banking products. Use the application form to apply for these banking products. This form is not an offer or acceptance of credit. When we send you the terms and conditions Transaction, Savings and Investment Accounts We will send you the terms and conditions when we approve your account. You indicate your acceptance of our terms and conditions when you receive them and make your first deposit to the Smart Access or Complete Access with the Everyday Offset feature. Viridian Lines of Credit and Equity Unlock Loan for Seniors If we approve your application for a Viridian Line of Credit or Equity Unlock Loan for Seniors, we will send you a Consumer Credit Contract Schedule and our Usual Terms and Conditions which is contained in the Consumer Mortgage Lending Products Terms and Conditions booklet. You indicate your acceptance of our terms and conditions when you sign and return one copy of the Consumer Credit Contract Schedule to the Bank. Part C Authority for NetBank This section provides important information about supplementary banking products. Use the application form to apply for these banking products. This form is not an offer or acceptance of credit. When we send you the terms and conditions NetBank NetBank If we approve your application for NetBank we will provide you with an client number and password. You accept our Electronic Banking General Information and Terms and Conditions and NetBank Security Precautions when you log in to NetBank for the first time. Electronic Statements and Notices It is possible to elect to receive your statements and notices for transaction accounts and s electronically. If you chose this option, you need to be aware of the following matters: 1. You will not receive paper statements and notices and instead will receive them electronically through NetBank. 2. There may be times when we may still choose to send you a articular notice by paper. 3. We will send you an and a message in NetBank when a statement or notice is ready to view. 4. You will need to check your s and messages in NetBank regularly and advise us if you change your address. 5. If you change your mind and would like to re-commence receiving paper statements you can do this at any time through NetBank, by calling or calling at any Commonwealth Bank branch. Part D Direct Debit Service Agreement for Rate Lock Fee / Trust Investigation Fee Payment This section provides important information about requesting a direct debit to pay the Rate Lock fee or Trust Investigation fee. Use the application form, to apply for this banking product. Important Information The Rate Lock Fee / Trust Investigation Fee is non refundable Any Rate Lock fee/trust Investigation Fee is not refundable even if you do not proceed with the loan. Debiting money from your account When you apply for a Direct Debit Request you ask us to arrange for money to be debited from a suitable account in your name. We will do this if: an Application Fee applies; you selected Rate Lock in your application and the Rate Lock Fee is payable at the time you applied; a Trust Investigation is required and the Trust Investigation fee is payable at the time you applied; or either according to your loan agreement with us or as provided in this Service Agreement. The amounts we will draw are shown in your loan agreement or any later variations that have been agreed to by you and us. We can only draw a greater amount if instructed by you or the person authorised under the operating authority you gave us. If the amount due under the loan agreement decreases we may draw a lesser amount from your account. We may continue to draw the higher amount unless you tell us otherwise. When we arrange a debit We will arrange for funds to be debited from your account which you requested and authorised in the Direct Debit Request. We may also debit funds according to any notice we send you specifying the amount you must pay and the due date. We can also arrange a debit from your nominated account in accordance with this Service Agreement. If a date when a payment falls due is a non-working day or a national public holiday, we will process the payment on the next working day. You must keep enough money in your account to cover debit payments Please make sure that you have enough money in your account when payments are to be drawn. If you don t, and you can t make the payment, then we may charge you a fee and any payments will be regarded as not made. We will then try to debit the full or partial payment of any amount overdue from your nominated account (if the account is conducted with us) on a day after the payment due date. Direct Debiting through Bulk Electronic Clearing System is not available on all accounts. If you re not sure, please ask your financial institution Page 2 of 3

3 Part D Direct Debit Service Agreement for Rate Lock Fee / Trust Investigation Fee Payment (continued) Checking your account Please check your account details against a recent statement from your financial institution. If you have any doubts, please check with your ledger financial institution before completing the Direct Debit Request. You should also advise us if your nominated account is altered, transferred or closed. If you think we ve made a mistake in debiting your account please contact your local branch so that we can resolve your query. Confidentiality We will keep your records and account details private and confidential. We will only disclose them if you ask us to or the financial institution asks us in connection with a claim made to an alleged incorrect or wrongful debit, or otherwise as required by law. Changes to our Agreement with you We will give you at least 14 days notice if we propose to vary any of the terms of these debit arrangements. How to contact us If you want to postpone a debit, alter your debit arrangement, stop or cancel your Direct Debit Request, or alter anything else to do with the arrangement please call us on (8am to 8pm, 365 days) or visit any Commonwealth Bank branch. Part E Commonwealth Bank Credit Card This section provides important information about supplementary banking products. Use the application form to apply for these banking products. This form is not an offer or acceptance of credit. When we send you the terms and conditions Credit Cards (Commonwealth Bank Credit Card) If we approve your application for a account we will send you a Schedule of Credit Card Particulars and Important Information about Credit Cards Conditions of Use. You indicate your acceptance of our terms and conditions when you activate your account. If you are applying for a Credit Card account with Commonwealth Awards, this will mean that you and any additional cardholder on your account, will be issued with two s (a MasterCard and an American Express Card) all on the same account. Special conditions if you request a balance transfer to your 1. On the expiry of the specified period during which the agreed annual percentage rate applies to a balance transfer, the outstanding balance (including any related interest) is treated as a cash advance. 2. If the available credit on your Commonwealth Bank account cannot accommodate the full dollar amount you wish to transfer we will transfer a portion within your available limit. 3. You must continue to make payments to your credit and/or store card account until you receive confirmation that the balance transfer was credited to that account on a future statement. 4. The amount transferred will be charged interest from the date of the transfer. 5. For other conditions relating to balance transfers, refer to your copy of Important Information about Credit cards Conditions of Use brochure. Alternatively a copy of this brochure is available on commbank.com.au. Part F Low Documentation Loan Where you are self-employed but cannot provide 2 years of personal and business financials and tax returns and Australian Tax Office (ATO) Assessment Notices, you may elect to sign a Low Documentation Declaration form which will be provided to you. In addition to this Low Documentation Declaration, you will be asked to provide 12 months of ATO verified Business Activity Statements (BAS). We will also need to check that your income is registered for Goods and Services Tax (GST) Page 3 of 3

4 IMPORTANT THINGS TO KNOW ABOUT HOME LOANS. Taking out a home loan is an exciting and significant commitment. It is important that you select the most suitable loan for your current and future needs and that you understand the features, costs and risks associated with the credit contract. Detailed fact sheets are available for different types of loans and full details of your loan will be set out in your Loan Schedule and Terms and Conditions. Product Standard Variable Rate Fixed Rate Economiser/ Rate Saver Extra Home Loan No Fee Variable Rate Equity Unlock Loan for Seniors The Standard Variable Rate product can have interest offset using a Mortgage Interest Saver Account or an Everyday Offset (feature of Complete Access). The Fixed Rate product allows you to make additional repayments up to $10,000 each year. However, the additional repayments are not available to you during the fixed rate period. If you break the fixed rate period, by switching or prepaying your loan in full or partially, and the Bank suffers a loss, an Early Repayment Adjustment (ERA) fee will apply. The ERA fee is calculated by reference to the remaining fixed term, outstanding loan balance and changes in wholesale market interest rates. The ERA can be significant (thousands of dollars or more). This product can have interest partially offset using a Mortgage Interest Saver Account. The 3 year Special Economiser/3 year Special Rate Saver product has a lower interest rate for the first 3 years. After 3 years, the rate will revert to the standard Economiser/Rate Saver variable rate, which will be higher and will result in repayments increasing at that time. This product allows you to redraw additional repayments provided that the loan has not had an Interest Only period at any stage. A minimum amount of $1,000 applies for an assisted This product cannot have interest offset. The Extra Home Loan product allows you to redraw additional repayments, but a minimum amount of $1,000 applies for an assisted This product offers a discount on the interest rate for either an introductory period or the life of the loan. At the end of any introductory period, the rate will revert to a separate discounted interest rate for the remaining life of the loan which will result in repayments increasing at that time. This product cannot have interest offset and is not available as a Low Doc loan or with the Wealth Package. The No Fee Variable Rate product has no Bank fees, however, Lenders Mortgage Insurance /Low Deposit Premium and Government charges may apply. This product cannot be switched to another type of loan and cannot have interest offset. This product is not accessible via ATM & EFTPOS and is not available as a Low Doc loan, spilt loan or with the Wealth Package. The Equity Unlock Loan for Seniors product does not have a set term nor fixed repayments. Interest will be charged to your loan which means over time your debt to the Bank will increase and your equity in your security property will decrease. This product requires you to seek independent legal advice before signing the loan contracts. If you pass away, the Bank will sell your secured property to repay the loan plus accrued interest and fees, with any remaining money going to your estate. You should discuss these choices with your family. At least one borrower must live at the security address while the loan is in progress. If you leave the property for more than 12 continuous months, you will be required to repay the loan plus accrued interest and fees. If you use the loan to purchase an asset, that may affect your pension entitlements. Please check with Centrelink. If you choose not to draw down (withdraw) the entire loan amount at funding, the entire loan amount may not be available later due to interest being charged to the loan. Equity Unlock Loan for Seniors has a higher establishment fee than other home loan products. Commonwealth Bank of Australia ABN AFSL Australian credit licence number Page 1 of 3

5 Product Viridian Line of Credit 12 Month Discounted 1 Year Guaranteed Feature Interest Only Home Loan Increase/ Top Up Refinance Construction/ Building Loan Off the Plan Land Purchase Bridging Loan Property Share Low Doc Loan Other Fees Wealth Package Credit Card The Viridian Line of Credit product does not have a set term, nor fixed repayments. You will need to manage your repayments so that they cover interest and fees at a minimum. The loan is repayable on demand. You will incur ongoing interest on any loan balance that has not been repaid. In order to reduce your loan balance, you must deposit more than what you spend plus interest and fees. This product cannot have interest offset. The 12 Month Discounted product has a lower interest rate for the first 12 months. After 12 months, the interest rate will revert to the Standard Variable Rate (Wealth Package customers will receive a discount off the Standard Variable Rate of 0.40% p.a.), which will be higher and will result in repayments increasing at that time. This product can have interest offset using a Mortgage Interest Saver Account. The 1 Year Guaranteed product has a fixed interest rate for the 1st year. After 1 year, the rate will revert to the Standard Variable Rate (Wealth Package customers will receive a discount off the Standard Variable Rate of 0.40% p.a.), which may be a higher interest rate and will result in repayments increasing at that time. If you break the fixed rate period, by switching or prepaying your loan in full or partially, and the Bank suffers a loss, an Early Repayment Adjustment (ERA) fee will apply. The ERA fee is calculated by reference to the remaining fixed term, outstanding loan balance and changes in wholesale market interest rates. The ERA can be significant (thousands of dollars or more). This product can have interest offset using a Mortgage Interest Saver Account. During an interest only period, your repayments will not reduce your loan balance. At the end of an interest only period, your repayments will increase to cover principal and interest components. For an owner occupied Home Loan the maximum Interest Only period at any one time is 5 years. The maximum Interest Only period in total is 10 years for an owner-occupied Home Loan or 15 years in total for an investment Home Loan. If you increase your loan, it will increase the interest being charged and will generally increase your loan repayments. Please ensure that this is suitable for your current and future needs. If using top up for a purchase, you accept that the time during which you will be making repayments on your home loan could be significantly longer than the life of the purchase (such as a holiday or a vehicle). Please consider that when refinancing you may incur substantial exit fees or break costs. The Construction/Building Loan feature requires you to sign a contract with a licensed builder and to provide council approved plans before funding. It is not available to owner builders. The Off the Plan feature requires you to reconfirm your financial position and the Bank to conduct an external valuation 6 weeks prior to settlement. If there are any changes to your financial position and/or property valuation, the approval may be withdrawn. If Lenders Mortgage Insurance applies, it will be referred to the insurer for a final decision. If your loan is not funded within the 18 month commitment period, you will need to resubmit your application. This feature cannot be switched to another type of loan before funding. The Land Purchase feature requires you to build on the land within 5 years after funding. Approval of a Bridging Loan is conditional on satisfactory valuation on both the property you own and the property you are purchasing. If you fail to sell your original property, you may face difficulty servicing your loan/s and if not sold within 12 months, the loan will be reviewed and the Bank may exercise its right to sell your property under the terms of the mortgage. The Property Share feature requires each borrower to be the guarantor of all of the other borrowers. If one borrower ceases repayments, the other borrowers may be forced to sell the property. This feature requires you to seek independent legal advice before signing the loan contracts. Lenders Mortgage Insurance applies at a lower loan to value ratio for Low Doc Loans than standard home loans. This will be an additional cost to you if it applies. If you would like to know more about fees we charge for consumer mortgage lending products, please access the following document. download-printed-forms/ pdf If you would like to know more about Wealth Package, please access the following document. commbank.com.au/content/dam/commbank/personal/home-loans/fact-sheets/wealth_package.pdf If you are applying for a at the same time as your home loan, please review Important things to know about s over the page. Commonwealth Bank of Australia ABN AFSL Australian credit licence number Page 2 of 3

6 IMPORTANT THINGS TO KNOW ABOUT CREDIT CARDS. If you are not applying for a at the same time as your home loan, you do not need to review this detail. The following table describes some of the important things you should know about s. If your application is successful, you will be provided with full detail of the fees and charges payable in our letter of offer. Product Awards Credit Cards Low Fee Credit Cards Low Rate Credit Cards Student Low Fee Credit Card These cards are best if you intend to pay off your balance in full each month and want to earn points which you can redeem for rewards. These cards attract higher annual fees and interest rates than some of our other card types. These cards are best if you intend to pay off your balance in full each month and want a low annual fee. These cards attract higher interest rates than some of our other card types. These cards are best if you don t regularly pay off your balance in full each month and want to minimise the interest you have to pay. These cards attract higher annual fees than some of our other card types. This card is for students who intend to regularly pay off their balance in full each month and want to pay no annual fee for the duration of their studies. Commonwealth Bank of Australia ABN AFSL Australian credit licence number Page 3 of 3

7 Key facts about CommBank s s Correct as at 13 May 2016 This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009 Description of s Product name Low Rate Low Rate Gold Low Fee Low Fee Gold Student Awards Gold Awards Australian credit licence Platinum Awards Diamond Awards Minimum credit limit $500 $4,000 $500 $4,000 $400 $500 $4,000 $6,000 $15,000 Minimum repayments If your closing balance is less than $25, your minimum payment is your closing balance. Otherwise, it s the greater of: Any amount by which the closing balance exceeds the credit limit; 2% of the closing balance rounded down to the nearest dollar; or $25. Interest on purchases 13.49% p.a % p.a % p.a % p.a % p.a % p.a % p.a % p.a % p.a. Interest-free period Interest on cash advances Balance transfer interest rate Up to 55 days on purchases 21.24% p.a. 5.99% p.a. for 5 months. Cash advance rate applies thereafter. Annual fee $59 $89 $29 or $0 1 $89 or $0 1 $29 or $0 1 $59 $119 $249 $349 Late payment fee $20 There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this can be obtained from commbank.com.au/creditcardfees For more information on choosing and using s visit the ASIC consumer website at moneysmart.gov.au The terms on which this is offered can change over time. You can check if any changes have been made by visiting commbank.com.au/keyfacts 1. For Low Fee, Low Fee Gold and Student s, the annual fee is waived for the first year. The annual fee will continue to be waived in each subsequent year as long as you spend at least $1,000 in the previous year on your Low Fee or Student card, or at least $10,000 in the previous year on your Low Fee Gold card (on purchases and cash advances only). For Student s, if you spend less than $1,000 in the previous year, simply present your student identification in branch following the charging of the annual fee to request a refund Page 1 of 1

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