Pepper Home Loan Product Guide

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1 Pepper Home Loan Product Guide 2 November 2015 V4.1

2 Find out why a growing number of brokers are sold on specialist lending For information on specialist lending including videos, case studies and modules, visit pepperonline.com.au/education Contact Pepper Today salesupport@pepper.com.au

3 The Pepper Suite of Home Loans For PRIME go to the green section Pepper Essential Full Doc and Full Doc PLUS page 4 Pepper Essential Alt Doc and Alt Doc PLUS page 5 For NEAR PRIME go to the amber section Pepper Easy Full Doc page 6 Pepper Easy Alt Doc page 7 For SPECIALIST go to the red section Pepper Advantage Full Doc and Full Doc PLUS page 8 Pepper Advantage Alt Doc and Alt Doc PLUS page 9 Product Comparison page 10 Acceptable Employment and Income Types page 12 Servicing and Additional Lending Policies page 13 Frequently Asked Questions page 14 Pepper Contacts page 15 For further product information go to or speak to your Pepper BDM

4 Pepper Essential (PRIME) Full Doc and Full Doc PLUS Product Specifications Loan Purpose Full Doc Purchase or refinance of owner occupied properties and/or investment properties, and also includes: Debt consolidation (maximum of 4 debts) Cash out up to 85% LVR (not available for business use) Full Doc PLUS Purchase or refinance of owner occupied and/ or investment properties, and also includes: Debt consolidation (maximum of 4 debts) Cash out up to 85% LVR (not available for business use) Interest Only loans Minimum Loan Size $100,000 Maximum Loan Size $2,000,000 (up to 70% LVR) For all loan sizes refer to Product Comparison (pages 10-11) Maximum LVR Up to 85% (for loans up to $850,000) Credit History Paid defaults up to $500 may be considered Genuine Savings 5% required if LVR > 80% Not required on PLUS (PAYG) (Self-Employed) Acceptable Securities Last 2 pay slips plus one of the following: Letter of employment, tax assessment notice, latest group certificate or 3 months bank statements Last 2 years tax returns; and Last 2 years tax assessment notices Residential securities in categories with a maximum land size of 25 acres (10 hectares) Vacant Residential Land only in categories 1 and 2 with a maximum size of 2.5 acres Product Features Loan Term Repayment Options Redraw years Principal and Interest Interest Only 2 (maximum 5 years followed by Principal and Interest) - PLUS only Minimum manual redraw amount is $1,000 Minimum online redraw is $50 Offset Sub-Account 100% Interest Offset Sub-Account available 3 Account Splits Lump Sum Payments Maximum of four splits Free additional payments are allowed Fee Capitalisation Not available - all fees must be deducted 4 Transaction Facilities Online ATM 5 Redraw facility EFTPOS Telephone Visa Debit Card (including paywave) BPAY Direct Debit Refer to page 13 for Additional Notes 4

5 Pepper Essential (PRIME) Alt Doc and Alt Doc PLUS Product Specifications Loan Purpose Alt Doc Purchase or refinance of owner occupied properties and/or investment properties, and also includes: Debt consolidation (maximum of 4 debts) Cash out up to 80% LVR (not available for business use) Alt Doc PLUS Purchase or refinance of owner occupied and/ or investment properties, and also includes: Debt consolidation (maximum of 4 debts) Cash out up to 80% LVR (not available for business use) Interest Only loans Minimum Loan Size $100,000 Maximum Loan Size $2,000,000 (up to 70% LVR) For all loan sizes refer to Product Comparison (pages 10-11) Maximum LVR Up to 80% (for loans up to $1,000,000) Credit History Genuine Savings (Self-Employed) Acceptable Securities Paid defaults up to $500 may be considered Not required ABN registered for 24 months GST registered for 12 months Declaration of financial position plus two of the following; 6 months business bank statements 6 months BAS Peppers accountant s letter Residential securities in categories with a maximum land size of 25 acres (10 hectares) Vacant Residential Land only in categories 1 and 2 with a maximum size of 2.5 acres Product Features Loan Term Repayment Options Redraw years Principal and Interest Interest Only 2 (maximum 5 years followed by Principal and Interest) - PLUS only Minimum manual redraw amount is $1,000 Minimum online redraw is $50 Offset Sub-Account 100% Interest Offset Sub-Account available 3 Account Splits Lump Sum Payments Maximum of four splits Free additional payments are allowed Fee Capitalisation Not available - all fees must be deducted 4 Transaction Facilities Online ATM 5 Redraw facility EFTPOS Telephone Visa Debit Card (including paywave) BPAY Direct Debit Refer to page 13 for Additional Notes 5

6 Pepper Easy (NEAR PRIME) Full Doc Product Specifications Loan Purpose Purchase or refinance of owner occupied or investment properties; also includes: Debt consolidation for an unlimited number of debts Cash out up to 85% LVR for acceptable purposes including renovations, business use and payout of ATO debts Minimum Loan Size $50,000 Maximum Loan Size Maximum LVR Credit History Genuine Savings (PAYG) (Self-Employed) $2,000,000 (up to 65% LVR) Up to 90% for purchases only (for loans up to $750,000) Up to 85% for all other loan purposes (for loans up to $1,000,000) Unlimited defaults, judgements and writs up to $1,000 accepted (paid or unpaid) Unlimited defaults, judgements and writs > $1,000, registered > 24 months (paid or unpaid) accepted Discharged from bankruptcy (1 day accepted) Not required Last 2 pay slips plus one of the following: Letter of employment, tax assessment notice, latest group certificate or 3 months bank statements Last 2 years tax returns; and Last 2 years tax assessment notices For all loan sizes refer to Product Comparison (pages 10-11) Acceptable Securities Residential securities in categories with a maximum land size of 25 acres (10 hectares) Product Features Loan Term Repayment Options Redraw years (Interest Only not available for terms > 30 years) Interest Only 2 (maximum 5 years followed by Principal and Interest) Principal and Interest Minimum manual redraw amount is $1,000 Minimum online redraw is $50 Offset Sub-Account 100% Offset Sub-Account available 3 Account Splits Lump Sum Payments Fee Capitalisation Maximum of four splits Free additional payments are allowed Fees can be capitalised for loans up to 85% LVR Transaction Facilities Online ATM 5 Redraw facility EFTPOS Telephone Visa Debit Card (including paywave) BPAY Direct Debit Refer to page 13 for Additional Notes 6

7 Pepper Easy (NEAR PRIME) Alt Doc Product Specifications Loan Purpose Purchase or refinance of owner occupied or investment properties; also includes: Debt consolidation for an unlimited number of debts Cash out up to 80% LVR for acceptable purposes including renovations, business use and payout of ATO debts Minimum Loan Size $50,000 Maximum Loan Size Maximum LVR Credit History Genuine Savings (Self-Employed) $2,000,000 (up to 65% LVR) Up to 85% for purchases only (for loans up to $650,000) Up to 80% for all other loan purposes (for loans up to $1,250,000) Unlimited defaults, judgements and writs up to $1,000 accepted (paid or unpaid) Unlimited defaults, judgements and writs > $1,000, registered > 24 months (paid or unpaid) accepted Discharged from bankruptcy (1 day accepted) Not required ABN registered for 24 months GST registered for 12 months Declaration of financial position plus one of the following; 6 months business bank statements 6 months BAS Pepper accountant s letter For all loan sizes refer to Product Comparison (pages 10-11) Acceptable Securities Residential securities in categories with a maximum land size of 25 acres (10 hectares) Product Features Loan Term Repayment Options Redraw years (Interest Only not available for terms > 30 years) Interest Only 2 (maximum 5 years followed by Principal and Interest) Principal and Interest Minimum manual redraw amount is $1,000 Minimum online redraw is $50 Offset Sub-Account 100% Offset Sub-Account available 3 Account Splits Lump Sum Payments Fee Capitalisation Maximum of four splits Free additional payments are allowed Fees can be capitalised for loans up to 85% LVR Transaction Facilities Online ATM 5 Redraw facility EFTPOS Telephone Visa Debit Card (including paywave) BPAY Direct Debit Refer to page 13 for Additional Notes 7

8 Pepper Advantage (SPECIALIST) Full Doc and Full Doc PLUS Product Specifications Loan Purpose Purchase or refinance of owner occupied or investment properties; also includes: Debt consolidation for an unlimited number of debts Cash out up to 85% LVR (80% LVR on PLUS) for acceptable purposes including renovations, business use and payout of ATO debts Minimum Loan Size $50,000 Maximum Loan Size Maximum LVR Full Doc $1,500,000 (up to 65% LVR) Jumbo loans available up to $2,500,000 Up to 90% for purchases only (for loans up to $750,000) Up to 85% for all other loan purposes (for loans up to $750,000) Full Doc PLUS $1,000,000 (up to 65% LVR) Up to 80% (for loans up to $750,000) For all loan sizes refer to Product Comparison (pages 10-11) Credit History Genuine Savings Unlimited defaults, judgements and writs up to $1,000 accepted Unlimited defaults, judgements and writs > $1,000, registered > 12 months (paid or unpaid) < 1 months mortgage arrears (within last 6 months) Discharged from bankruptcy (1 day accepted) Not required Additional PLUS allowances: Unlimited defaults, judgements or writs from 1 credit event < 12 months (paid or unpaid) 2 months mortgage arrears (within last 6 months) (PAYG) (Self-Employed) Last 2 pay slips plus one of the following: Letter of employment, tax assessment notice, latest group certificate or 3 months bank statements Last 2 years tax returns; and Last 2 years tax assessment notices Acceptable Securities Residential securities in categories with a maximum land size of 25 acres (10 hectares) Residential securities in categories 1 and 2 1 with a maximum land size of 25 acres (10 hectares) Product Features Loan Term Repayment Options Redraw years (Interest Only not available for terms > 30 years) Interest Only 2 (maximum 5 years followed by Principal and Interest) Principal and Interest Minimum manual redraw amount is $1,000 Minimum online redraw is $50 Offset Sub-Account 100% Offset Sub-Account available 3 Account Splits Lump Sum Payments Fee Capitalisation Maximum of four splits Free additional payments are allowed Fees can be capitalised for loans up to 85% LVR (80% LVR on Jumbo and PLUS) Transaction Facilities Online ATM 5 Redraw facility EFTPOS Telephone Visa Debit Card (including paywave) BPAY Direct Debit Refer to page 13 for Additional Notes 8

9 Pepper Advantage (SPECIALIST) Alt Doc and Alt Doc PLUS Product Specifications Purchase or refinance of owner occupied and/or investment properties; also includes: Debt consolidation for an unlimited number of debts Loan Purpose Cash out up to 80% LVR (75% LVR on PLUS) for acceptable purposes including renovations, business use and payout of ATO debts Minimum Loan Size $50,000 Maximum Loan Size Maximum LVR Credit History Genuine Savings (Self-Employed) Acceptable Securities Alt Doc $1,500,000 (up to 65% LVR) Jumbo loans available up to $2,500,000 Up to 85% for purchases only (for loans up to $650,000) Up to 80% for all other loan purposes (for loans up to $1,000,000) Unlimited defaults, judgements and writs up to $1,000 accepted Unlimited defaults, judgements and writs > $1,000, registered > 24 months (paid or unpaid) < 1 months mortgage arrears (within last 6 months) Discharged from bankruptcy (1 day accepted) Not required ABN registered for 12 months GST registered for 6 months Alt Doc PLUS $1,000,000 (up to 65% LVR) Up to 75% (for loans up to $750,000) Declaration of financial position plus one of the following; 6 months business bank statements 6 months BAS Pepper accountant s letter (not accepted on PLUS or Jumbo) Residential securities in categories with a maximum land size of 25 acres (10 hectares) Additional PLUS allowances: Unlimited defaults, judgements or writs from 1 credit event > 12 months (paid or unpaid) 2 months mortgage arrears (within last 6 months) Residential securities in categories 1 and 2 1 with a maximum land size of 25 acres (10 hectares) For all loan sizes refer to Product Comparison (pages 10-11) Product Features Loan Term years (Interest Only not available > 30 years) Repayment Options Interest Only 2 (maximum 5 years followed by Principal and Interest) Principal and Interest Redraw Minimum manual redraw amount is $1,000 Minimum online redraw is $50 Offset Sub-Account 100% Offset Sub-Account available 3 Account Splits Maximum of four splits Lump Sum Payments Free additional payments are allowed Fee Capitalisation Fees can be capitalised for loans up to 85% LVR (80% LVR on Jumbo and 75% on PLUS) Transaction Facilities Online ATM 5 Redraw facility EFTPOS Telephone Visa Debit Card (including paywave) BPAY Direct Debit Refer to page 13 for Additional Notes 9

10 Product Comparison Pepper Essential (PRIME) Pepper Easy (NEAR PRIME) Full Doc Alt Doc Full Doc Alt Doc Max LVR 85% 80% Up to 90% (purchase) Up to 85% (refinance) Up to 85% (purchase) Up to 80% (refinance) Loan Term years years Interest Only (maximum 5 years) PLUS only (PAYG) Last 2 pay slips plus one supporting* Last 2 pay slips plus one supporting* (Self-Employed) Last 2 years tax returns plus last 2 years tax assessment ABN - 24 months GST - 12 months Declaration of financial Position plus two supporting^ Last 2 years tax returns plus last 2 years tax assessment ABN - 24 months GST - 12 months Declaration of Financial Position plus one supporting^ Impairment up to $1,000 (defaults, judgements and writs) Impairment < 12 months (defaults, judgements and writs) (paid defaults up to $500 considered) Impairment > 12 months (defaults, judgements and writs) Unlimited when registered > 24 months Mortgage Arrears Cash Out Up to 85% LVR Up to 80% LVR Up to 85% LVR Up to 80% LVR Loan size limits Up to 55% Up to 60% Up to 65% Pepper Essential Full Doc (including PLUS) Alt Doc (including PLUS) $2m $2m $2m $2m $2m $2m Pepper Easy Full Doc $2m $2m $2m Alt Doc $2m $2m $2m Full Doc** $1.5m $1.5m $1.5m Pepper Advantage PLUS $1m $1m $1m Alt Doc** $1.5m $1.5m $1.5m PLUS $1m $1m $1m *Supporting PAYG Documentation includes - Letter of employment, Tax assessment notice, Latest group certificate or 3 months bank statements ^Supporting Self-Employed Documentation includes - 6 months business bank statements, 6 months BAS or Pepper accountant s letter. Accountants letter not available for use on Pepper Advantage Jumbo or PLUS options 10

11 Pepper Advantage (SPECIALIST) Full Doc Full Doc PLUS Alt Doc Alt Doc PLUS Up to 90% (purchase) Up to 85% (refinance) Up to 80% Up to 85% (purchase) Up to 80% (refinance) Up to 75% years Last 2 pay slips plus one supporting* Last 2 years tax returns plus last 2 years tax assessment ABN - 12 months GST - 6 months Declaration of Financial Position plus one supporting^ (unlimited when due to 1 credit event) Unlimited when registered > 24 months (unlimited when due to 1 credit event) (< 1 month within last 6 months) (up to 2 months within last 6 months) (< 1 month within last 6 months) (up to 2 months within last 6 months) Up to 85% LVR Up to 80% LVR Up to 80% LVR Up to 75% LVR Up to 70% Up to 75% Up to 80% Up to 85% Up to 90% $2m $1.5m $1m $850k - $2m $1.5m $1m - - $1.5m $1.25m $1.25m $1m $750k $1.5m $1.25m $1.25m $650k - $1.5m $1m $1m $750k $750k $1m $750k $750k - - $1.5m $1m $1m $650k - $1m $750k **Jumbo loans up to $2.5m (up to 65% LVR) available on Pepper Advantage. For further information call

12 Acceptable Employment Types Employment Type Full or Part-Time or Contract (PAYG) Casual Second Job Self-Employed Income Definition Prime^ Minimum 12 months continuous employment within same industry, or Minimum 6 months employment with current employer Near Prime or Specialist No minimum time frame required Casual employees must be with current employer for at least 12 months Employee must be with 2nd employer for at least 12 months Prime, Near Prime and Specialist (Full Doc) Minimum self-employed period of 24 months Specialist (Alt Doc) Minimum self-employed period of 12 months Acceptable Income Employment Type Income Definition Allowance* Full or Part-Time Base salary, allowances and shift penalties 100% Second Job, Casual Minimum 12 months continuous service with current employer 100% Prime Commission/bonuses (paid at least quarterly) and Overtime Self-Employed** Commission and Bonus - 100% if confirmed as received for the last 2 years from current employer. The average of the last 2 years is to be used in the servicing assessment Overtime - 100% if a condition of a borrowers employment, 50% if confirmed as being regular for 6 months from the same employer Near Prime or Specialist Only 12 months continuous employment will be considered Acceptable forms of income including Net Profit Before Tax, Directors wages/ salaries, Depreciation, Interest on debts being refinanced and Superannuation contribution in excess of 9% Centrelink Pensions Centrelink Pension received (e.g. aged, invalid etc)^^ 100% Superannuation Pension or annuities 100% Rental Income Rental income to be received post settlement 80% Housing Allowance Allowance provided by employer or government bodies (not accepted on Prime) 100% Interest and Dividends** Income from cash deposits held or share portfolio. 2 years consistency required and capital gains on sale of assets is not acceptable 100% Forms of Guaranteed Income Inheritance and trust beneficiaries etc (not accepted on Prime) 100% Child Support Payments If a court order or a child support agency agreement exists or proof of receipt for a period of 3 months continuous payments with no age restrictions. The following evidence of receipt of payments is required: Proof of receipt of maintenance for a continuous period of at least 3 months 100% by way of savings statements; or Child Support Agency letter to confirm the maintenance agreement Only accepted on Prime where the benefit is available for the next five years Family Payments Family assistance payment for dependent children regardless of age (Part A, Part B and parenting will be used, rental, sickness and pharmaceutical allowances are not to be used) 100% Only accepted on Prime where the benefit is available for the next five years Fully Maintained Company Car Maximum of $5,000 can be added to the Gross Taxable Income Up to $5,000 Car Allowance Allowed provided it is a permanent part of income and is applied to car loan or lease payments. A letter from the employer stating the condition of the allowance is required for verification 100% 100% 100% to shortfall car loan or lease payments ^Where the borrower is on probation, application can be considered based on the strength of the borrower s overall position ^^Applicant s that have the majority of their income from Centrelink and Social Benefit Income can only qualify for a maximum 75% LVR on Pepper Advantage Full Doc product *The % of income allowed is based on the borrower being able to meet the Acceptable Employment Type policy **An average of the last 2 years income is used for servicing unless the most recent year is less than the average in this case the most recent year is used 12

13 Servicing All loans to be serviced at a benchmark rate of 7.20% or 2.00% above the applicable rate, whichever is the higher. Applicants that have the majority of their income from Centrelink and Social Benefit Income can only qualify for a maximum 75% LVR on the Pepper Advantage Full Doc and serviceability must be a minimum of 1.25%. Refer to Pepper s serviceability calculator at Lending Areas Based on postcode listing: Category 1 Maximum LVR 90% Category 2 Maximum LVR 90% Category 3 Maximum LVR 75% Category 4 Maximum LVR 70% Living Expenses Starting from: Single Applicant from $15,564 Joint Applicants from $26,724 Each Child from $5,520 Responsible Lending Pepper is committed to responsible lending. We recognise the importance of working with our valued distribution partners to ensure we all play our part in conducting business in an ethical and responsible manner. To find out more about Pepper s approach to responsible lending visit Additional Lending Policies All mortgage applications must clearly demonstrate a financial benefit to the applicant(s). Pepper Will Lend To: Private individuals, companies, trustees (maximum 6 borrowers) Vacant land (on Pepper Essential only for residential properties in categories 1 and 2 to a maximum land size of 2.5 acres) Units: Restriction on units within high density post codes apply. Unit blocks cannot comprise of more than 35 units when located within a high density post code (see website for locations) < 1 year old Maximum LVR 75% on Near Prime and Specialist Will Not Lend On: Rural properties, commercial properties, relocatable and mobile homes, serviced apartments, studio apartments, resort complexes, retirement villages, bedsits and heritage listed buildings Maximum Exposure Limits: The maximum exposure per applicant is $4,000,000 for Near Prime/Specialist and $2,000,000 for Prime The maximum exposure per security is $1,500,000 for Prime and Near Prime Jumbo policy will be based on an applicant s aggregate exposure Security Titles Considered: Torrens, old system, community, crown lease Maximum three securities per development or maximum exposure not more than 25% Non-Conforming and Private or Solicitor Loans: Will refinance non-conforming, private and solicitor loans Portability: Pepper offers portability on all new loans. Subject to conditions - Go to Documents and forms section on for details Negative Gearing: Negative Gearing is accounted for during the loan assessment 6 Mortgage Statements: 6 months mortgage statements required on any owner occupied debt being refinanced 6 months mortgage statements required on any investment loan being refinanced 12 months mortgage statements required on refinancing of non-conforming loans Additional Notes 1 Refer to Pepper s Postcode Search in Tools section on pepperonline.com.au for category lending limits 2 Additional terms and conditions apply to Interest Only loans which are set out in the customer s loan agreement. Principal and Interest repayments are calculated on the residual loan term 3 The terms and conditions applicable to Offset Sub-Accounts are set out in the customer s loan agreement 4 Refer to LPF Calculator in Tools section on pepperonline.com.au 5 When Visa Debit Card is selected - Free access at Westpac Group ATMs including St George, Westpac Bank of Melbourne and Bank of SA 6 Pepper is not liable for any taxation related assumptions or representations associated with the negative gearing 13

14 Frequently Asked Questions Is specialist lending only for the credit impaired? No! Only 30% of our customers have some kind of credit blemish. In fact, the most common reason a customer will need a Pepper solution is due to unusual income such as casual or self-employed income. What is the key difference with Pepper s approach to assessing applications? Pepper undertakes a personalised approach to assessing home loans by manually assessing every application. This means no credit-scoring. Instead, we examine an applicant s individual circumstances because no two customers are the same! In addition, we self-insure so no third party LMI approval is required. How do I get accredited with Pepper? Your aggregator must submit an Request for Accreditation to origination@pepper.com.au, containing a confirmation of your membership along with some personal details for details go to pepperonline.com.au/financepartners/accreditation What is unlimited debt consolidation? Pepper will consider consolidating an unlimited number of personal debts and business debts (including ATO debts) under the Pepper Easy (Near Prime) and Pepper Advantage (Specialist) home loans provided there is a clear benefit to the client upon consolidating these debts. There is no limit to value of debts up to the customers approved lending limit. Note - If a client is looking to consolidate < or equal to 4 debts we can consider this client under Pepper Essential (Prime) What is unlimited credit impairment? We will consider unlimited impairment under our Pepper Easy (Near Prime) and Pepper Advantage (Specialist) products provided the client has demonstrated they have overcome the credit event that led the impairment to occur. Unlimited number of paid or unpaid defaults, judgements or writs < $1,000 ignored under Pepper Easy (Near Prime) and Pepper Advantage (Specialist) Unlimited credit impairment registered > 24 months will be assessed under Pepper Easy (Near Prime) Unlimited credit impairment registered < 24 or 12 months will be assessed under Pepper Advantage (Specialist) Discharged bankruptcy (one day) and part IX and X agreements are also considered under Pepper Easy (Near Prime) and Pepper Advantage (Specialist) Note - Under Pepper Essential (Prime) minor paid defaults < $500 may be considered.

15 Sales Support (Option 1) pepperonline.com.au Home loan scenarios New broker accreditations New applications and pre-settlement enquiries Settlement enquiries - funding settlements@pepper.com.au Login credentials, credit policy queries, aggregator updates salesupport@pepper.com.au DISCLAIMER: THIS PRODUCT GUIDE IS ACCURATE AS AT THE EFFECTIVE DATE OF THIS DOCUMENT. PEPPER RESERVES THE RIGHT TO ALTER THE POLICIES AT ANY TIME WITHOUT NOTICE. WE WILL NOTIFY BORROWERS OF CHANGES IN ACCORDANCE WITH THEIR LOAN AGREEMENT AND THE NATIONAL CONSUMER CREDIT PROTECTION ACT. CONFIDENTIAL: THIS PRODUCT GUIDE IS A REFERENCE GUIDE FOR MORTGAGE PROFESSIONALS ACCREDITED TO DISTRIBUTE PEPPER HOMELOANS PRODUCTS AND IS NOT INTENDED AS AN ADVERTISEMENT TO THE PUBLIC. IT IS MADE AVAILABLE ON A STRICTLY CONFIDENTIAL BASIS AND MUST NOT BE REPRODUCED IN WHOLE OR PART, OR DISTRIBUTED TO ANY PERSON OR ORGANISATION WITHOUT PEPPER HOMELOANS PRIOR WRITTEN CONSENT. IT MUST NOT BE MADE AVAILABLE TO THE PUBLIC UNDER ANY CIRCUMSTANCES. WHILST EVERY EFFORT HAS BEEN MADE TO ENSURE THIS PRODUCT GUIDE IS ACCURATE, IT SHOULD NOT BE RELIED UPON FOR ANY PURPOSE OR USED AS A SUBSTITUTE FOR INDEPENDENT PROFESSIONAL ADVICE. WARNING: YOU MUST COMPLY WITH ALL LEGAL REQUIREMENTS. NON-COMPLIANCE WITH THE LAW MAY ATTRACT CIVIL AND/OR CRIMINAL PENALTIES. 10/11/15

16 PO Box 6186 North Sydney NSW Pepper Group Limited, Australian Credit Licence Number , is the servicer of loans made by Pepper Finance Corporation Ltd ACN

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