Local Business Starter Pack.

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1 Local Busness Starter Pack. Who should complete ths applcaton? If the busness s A company An assocaton (ncorporated or unncorporated) A partnershp A sole propretor or ndvdual A busness trust Ths form can be completed and sgned by Two drectors; a drector and the company secretary; or the sole drector, where there s only one. The charperson or chef offcer. The managng partner or any two partners. The sole propretor or ndvdual. The trustee. If the trustee s a company, assocaton or partnershp, follow the gudelnes above. Documents you need to provde If you are applyng for a Busness Credt Card, Busness Overdraft, BetterBusness Loan, BetterBusness Lne of Credt, Trade Fnance Faclty or Asset Fnance, check the followng tems off to make sure you have ncluded all the necessary supportng documents wth your applcaton form. Have you been n busness for more than 12 months? provde the followng documents No provde the followng documents Bank statements for the last sx months for all bank accounts, loans and leases not held wth the Commonwealth Bank (personal and busness) Bank statements for the last sx months for all bank accounts, loans and leases not held wth the Commonwealth Bank (personal and busness) Two most recent payslps (f n contnung employment) Two most recent payslps (f n contnung employment) Two most recent payslps from your spouse, f you have jont borrowngs Busness balance sheet (less than two years old) Busness plan Two most recent payslps from your spouse, f you have jont borrowngs Proft and loss statement (less than two years old) Cash flow projectons for two years Full busness tax return (less than two years old) Evdence of equty nvested or to be nvested n the busness Full ndvdual tax returns for the busness propretors, drectors, or partners (less than two years old) Certfcate of Regstraton of a Company (f your busness s a company) Evdence of ndustry experence (for example, trade certfcates or references) Certfcate of Regstraton of a Company (f your busness s a company) Termnology In ths applcaton, you and your refer to the person or organsaton named as the applcant n Secton 2. We and us refer to the Commonwealth Bank of Australa. Where to send ths form once completed In person To your Local Busness Banker By fax 1300 LBB FAX ( ) By mal For bank use only Branch staff Reply Pad 333, Slverwater, NSW 2128 (No stamp requred) Please complete the 100 pont check and verfy sgnatures for the applcants named n Secton 3 and any addtonal cardholders named n Secton 9. Fax ths form to: 1300 LBB FAX ( ). Do not nput ths applcaton nto CommSee. Busness Bankers CommSee CIF code Local Busness Bankng

2 Local busness starter pack Secton 1: Whch solutons would you lke to apply for? Instructons for completng Secton 1 Tck ( ) the solutons you would lke to apply for. Soluton Complete these sectons Read and sgn these sectons Attach supportng documents Cheque and savngs accounts Premum Busness Cheque Account Busness Onlne Saver Credt cards Busness Credt Card Low rate wth a lmt of Busness Credt Card Interest-free days wth a lmt of Onlne bankng CommBz Overdrafts and loans Busness Overdraft wth a lmt of BetterBusness Loan for BetterBusness Lne of Credt wth a lmt of Asset fnance Hre Purchase for Lease for Equpment Loan for Merchant solutons Merchant faclty Trade Fnance Faclty Trade Advance Letter of credt Secton 2: About your busness 1, 2, 3, 4 9, 10 Not requred. 1, 2, 3, 5, 8 9, 10 Refer to checklst on page 1. 1, 2, 3, 6 9, 10 Not requred. 1, 2, 3, 8 9, 10 1, 2, 3, 7, 8 9, 10 Refer to checklst on page 1. Refer to checklst on page 1. 1, 2, 3 9, 10 Not requred. 1, 2, 3, 8 9, 10 Refer to checklst on page 1. 1 Full legal name 2 Regstered busness address 3 Malng address (f same as queston 2, state AS ABOVE ) 5 Contact detals Contact name Emal address 4 Date establshed Date tradng commenced Busness phone Moble number Fax number 6 Type of entty Sole propretor Incorporated assocaton Unncorporated assocaton Not for proft organsaton Company Partnershp Trust Trust name 7 ABN or ACN Number of employees Number of drectors or owners 8 Do you have a Commonwealth Bank busness account? My account number s BSB Account number No I do not have an exstng busness account, OR My current bank s Bank Years wth current bank Page 2 of 10

3 Secton 3: About you Instructons for completng Secton 3 If there are more than two drectors, propretors or partners, please photocopy and complete ths secton for each person. 1 Poston 2 Personal detals Drector / Propretor / Partner 1 Drector Propretor Partner Trustee Ttle (Mr, Mrs, Dr, etc) Gender Male Female Frst name Drector / Propretor / Partner 2 Drector Propretor Partner Trustee Ttle (Mr, Mrs, Dr, etc) Gender Male Female Frst name Mddle name/s Mddle name/s Famly name Famly name Brth date Drver s lcence Brth date Drver s lcence 3 Home address 4 Preferred contact number Home Busness Moble Contact number Home Busness Moble Contact number 5 Do you have any Commonwealth Bank personal accounts? My account number s BSB 1 Account number 1 BSB 2 Account number 2 My account number s BSB 1 Account number 1 BSB 2 Account number 2 No My current bank s No My current bank s Years wth current bank Years wth current bank Secton 4: Cheque and savngs accounts Instructons for completng Secton 4 You can use ths form to open up to fve Premum Busness Cheque Accounts and fve Busness Onlne Savers. Each Busness Onlne Saver must be lnked to a Premum Busness Cheque Account wth the same account ttle. Tck ( ) to open a lnked 1 Enter an account ttle for each Premum Busness Cheque Account you want to open Busness Onlne Saver Account 1 Account 2 Account 3 Account 4 Account 5 Page 3 of 10 Busness tax fle number Instructons for completng ths secton Complete ths secton f you are openng a new account. You do not have to quote a tax fle number for your account. However, please note that f you do not gve us your tax fle number or f you are not exempt, we are legally requred to deduct tax from any nterest earned on the account above a certan threshold. After your tax fle number has been recorded, ths part of the form wll be destroyed or returned to you. 1 Is your busness exempt from tax? No Exempton category Busness tax fle number Page 3 of 10

4 Secton 5: Busness Credt Cards Instructons for completng Secton 5 You can have one or two cardholders on a Busness Credt Card account. If you would lke more than two cards, ask about our range of Corporate Cards. The name on each card can be a maxmum of 21 characters long. If the cardholders are not exstng Commonwealth Bank customers, please vst a branch to have 100 pont dentfcaton completed. If the addtonal Cardholders are not the Drector, Propretor, or Partners of the Busness, please ensure that they complete and sgn Secton 9, part 3. 1 Name/s to appear on cards Cardholder 1 Does Cardholder 1 have an exstng Commonwealth Bank account? My account number s BSB No I do not have an exstng account 2 Name/s to appear on cards Cardholder 2 Account number Does Cardholder 2 have an exstng Commonwealth Bank account? No My account number s BSB I do not have an exstng account Secton 6: CommBz Account number Instructons for completng Secton 6 By default, when you open a CommBz account, we ll set t up so that the people lsted n Secton 3 can admnster all of your accounts. If you would lke a dfferent arrangement, tck No and we ll contact you. Note that you can add and change account authorsers onlne after your CommBz account has been set up. 1 Would you lke the people named n Secton 3 to admnster your accounts n CommBz? No Contnue to page 5 Page 4 of 10

5 Secton 7: Asset fnance Descrpton of goods What knd of Asset do you want to buy? Brand Model Are the Goods new or used? New Used Year of manufacture Fnance Term Requred (24-60 months) Suppler/s name (f known) Hre Purchase or Equpment Loan Depost amount Would you lke to make a fnal ballon payment? No Balloon amount Secton 8: Fnancal nformaton Instructons for completng Secton 8 Complete ths secton f you are applyng for a Busness Credt Card, Busness Overdraft, BetterBusness Loan, BetterBusness Lne of Credt, Trade Fnance Faclty or Asset Fnance. If there are more than two drectors, propretors or partners, please photocopy and complete ths secton for each person. Drector / Propretor / Partner 1 Drector / Propretor / Partner 2 1 Occupaton Annual salary Other ncome Annual salary Other ncome Tme n ths job Tme n ndustry Tme n ths job Tme n ndustry 2 Resdental status House beng pad off Rentng Not stated House fully owned Wth parents Other House beng pad off Rentng Not stated House fully owned Wth parents Other Tme at address Monthly rent Tme at address Monthly rent Number of adults n house Number of dependants Number of adults n house Number of dependants 3 Prevous address (If at current home less than 2 years) Tme at prevous address Tme at prevous address Page 5 of 10

6 Secton 8: Fnancal nformaton Assets (your share f jontly owned) 4 Propertes Drector / Propretor / Partner 1 Address 1 Drector / Propretor / Partner 2 Address 1 Address 2 Address 2 Address 3 Monthly rental Address 3 Monthly rental 5 Motor vehcles Make and model 1 Monthly rental Make and model 1 Monthly rental Make and model 2 Make and model 2 Make and model 3 Make and model 3 6 Bank accounts Bank 1 Bank 1 Bank 2 Bank 2 Bank 3 Bank 3 7 Other assets (Shares, etc) Asset 1 Asset 1 Asset 2 Asset 2 Asset 3 Asset 3 8 Total assets Page 6 of 10

7 Secton 8: Fnancal nformaton Labltes (your share f jontly owned) 9 Loans Drector / Propretor / Partner 1 Lender 1 Drector / Propretor / Partner 2 Lender 1 Lender 2 Lender 2 Lender 3 Lender 3 10 Credt cards Issuer 1 Issuer 1 Issuer 2 Issuer 2 Issuer 3 Issuer 3 11 Other labltes (Overdrafts, tax due, etc) Lablty 1 Lablty 2 Lablty 1 Lablty 2 Lablty 3 Lablty 3 12 Total labltes (Current balance) Page 7 of 10

8 Secton 9: Prvacy nformaton Part A All applcants Collecton of personal nformaton We collect personal nformaton (ncludng customers full name, address and contact detals) so that we may admnster our customer relatonshps and provde customers wth the products and servces they request as well as nformaton on the Commonwealth Bank Group s products and servces. Where t s necessary to do so, we also collect nformaton on ndvduals such as company drectors and offcers (where the company s our customer), as well as customers agents and persons dealng wth us on a one-off bass. The law can also requre us to collect personal nformaton; for example, Commonwealth legslaton requres us to dentfy persons who open or operate accounts. We may take steps to verfy the nformaton we collect; for example, a brth certfcate provded as dentfcaton may be verfed wth records held by the Regstry of Brths, Deaths and Marrages to protect aganst mpersonaton, or we may verfy wth an employer that employment and remuneraton nformaton provded n an applcaton for credt s accurate. You need to provde us wth accurate and relevant nformaton If you provde us wth ncomplete or naccurate nformaton, we may not be able to provde you wth the products or servces you are seekng. Other members of the group We are permtted by the Prvacy Act to dsclose personal nformaton to other members of the Commonwealth Bank Group. Ths enables the Group to have an ntegrated vew of ts customers. Other dsclosures Personal nformaton may be dsclosed to: brokers and agents who refer your busness to us; any person actng on your behalf, ncludng your fnancal advser, solctor or accountant, executor, admnstrator, trustee, guardan or attorney; organsatons, ncludng overseas organsatons, to whom we outsource certan functons. For greater detal on outsourcng, please refer to our Prvacy Polcy ment, whch s avalable at or on request from any branch of the Bank. In all crcumstances where our contractors, agents and outsourced servce provders become aware of personal nformaton, confdentalty arrangements apply. Personal nformaton may only be used by our contractors, agents and outsourced servce provders for our purposes. We may also dsclose personal nformaton to other fnancal nsttutons and organsatons at ther request f you seek credt from them. We may be allowed or oblged to dsclose nformaton by law; for example, under Court Orders or Statutory Notces pursuant to taxaton or socal securty laws. Access You may (subject to permtted exceptons) access your nformaton by contactng: Customer Relatons, Commonwealth Bank Group, Reply Pad 41, Sydney NSW We may charge you for provdng access. Further nformaton For further nformaton on our prvacy and nformaton handlng practces, please refer to our Prvacy Polcy ment, whch s avalable at or upon request from any branch of the Bank. Part B Applcants for a Busness Credt Card, Busness Overdraft, BetterBusness Loan, BetterBusness Lne of Credt, Trade Fnance Faclty or Asset Fnance In ths Part B, you ncludes borrowers, partners n a partnershp and drectors of corporate borrowers. Contnung authorty borrowers and drectors of corporate borrowers All consents, acknowledgements and authortes n ths Secton 8 reman n force to cover ths and any other applcaton by you (ncludng persons who have not sgned ths applcaton). It contnues for so long as we provde credt to you or your company under any faclty. Credt nformaton acknowledgements and authorsatons If you are sgnng on behalf of a number of applcants or a number of drectors of a corporate applcant, you certfy that you have the authorty of the other applcants and drectors named n the loan applcaton to consent to us obtanng credt checks on all of you. You also confrm that you wll nform each other applcant and drector that ther personal nformaton may be dsclosed to a credt reportng agency. Credt reportng agences ( agences ) If you are a personal borrower you authorse us and our agents to gve and receve personal and credt nformaton (ncludng commercal credt nformaton) from Agences whch relates to your applcaton for credt and whch may be used for: dentfyng you; assessng your applcaton for commercal credt; collectng overdue payments; assessng whether to authorse a large credt transacton outsde of your normal transacton actvtes; assstng you to avod defaultng on your credt oblgatons You also authorse us to notfy Agences that we are a credt provder to you as well as: of overdue payments n excess of 60 days and cheques of yours whch we have dshonoured more than once; of any serous credt nfrngement that you may commt; that credt we provded you has been dscharged. Other credt provders If you are a personal borrower or a Drector of a corporate borrower, you authorse us to gve to and obtan nformaton about you or your company s personal or commercal credt arrangements from credt provders who are named n a personal or commercal credt report concernng you or your company ssued by an Agency. You understand ths nformaton can nclude credt nformaton of any knd and you acknowledge that the nformaton may be gven or used for the followng: accessng applcatons for fnance; avertng default on credt oblgatons and assessng the stuaton f such default s made; notfyng defaults; the provson or management of securtsed loans. You also authorse us to gve and receve bankers opnons relatng to you or your company s busness or professon. Dsclosure to Guarantors If you are a personal borrower or Drector of a corporate borrower, you authorse us to provde to any Guarantor any nformaton or documents of any knd concernng the credtworthness, credt hstory, credt capacty and credt standng of you and your company. These nclude as regards any faclty to be guaranteed ( Faclty ): a copy of the contract for the Faclty and the fnal letter of offer; detals of condtons set out n any earler verson of that letter whch may have already been met; any related credt report from a credt reportng agency; any fnancal accounts or statements of fnancal poston gven to you wthn the prevous two years; the latest statement of account; and any notce of demand gven by us wthn the last two years whch has not been compled wth to our satsfacton. You also authorse us to provde to the Guarantor any other nformaton regardng the Faclty (as well as any faclty to be refnanced by the Faclty) that the Guarantor may reasonably requre; and advce as to whether the Faclty wll be cancelled f the Guarantee s not provded. Page 8 of 10

9 Secton 10: Authorsatons, checklst and sgnatures 1 Authorsatons By sgnng ths applcaton, you acknowledge and agree to these terms and condtons. All applcants You declare that the nformaton gven n ths Applcaton (ncludng dentfcaton detals) are complete and correct. You have read and accept the prvacy nformaton n Secton 8 of ths Applcaton and consent to the use and dsclosure of your personal nformaton as descrbed n that secton. You acknowledge that each soluton has ts own Terms and Condtons, provded to you as follows. Soluton provded to you Terms and condtons How they are provded to you Premum Busness Cheque Account Busness Onlne Saver Busness Credt Card Busness Overdraft BetterBusness Loan Trade Fnance Faclty BetterBusness Lne of Credt Busness Cheque and Savngs Accounts General Informaton Important Informaton about Commonwealth Bank Busness Card Terms and Condtons for Commercal Lendng Facltes Wth ths applcaton form When the card s ssued Wth your credt approval Merchant Faclty Merchant Agreement At the tme your EFTPOS termnal s nstalled CommBz What you Need to Know About CommBz Wth ths applcaton form Fnance Lease or Hre Purchase Equpment Loan Applcants for a Premum Busness Cheque Account or Busness Onlne Saver You have read the Terms and Condtons for these accounts and agree to those Terms and Condtons. You ask us to act upon the Account Operatng Authorty set out n Part 2 of ths Secton 9 (see 'Premum Busness Cheque Account sgnatores' below) or any varaton of ths Authorty untl the branch of the Bank where each account s conducted receves notce n wrtng from you (n accordance wth the method of operaton) statng that the Authorty has been cancelled. You represent and warrant that the Account Sgnatores set out n Part 2 of ths Secton 9 are authorsed to operate each account n the manner set out n the Authorty. You understand that the law requres sgnatores to state all the names by whch they are commonly known and prohbts the use of false names. You declare that your partculars (ncludng dentfcaton detals) as shown on ths form are complete and correct. You authorse and consent to the Bank obtanng personal nformaton about you to verfy your personal detals n ths applcaton. Your sgnature below ndcates your acknowledgement and consent to the use and dsclosure of your personal nformaton as detaled n the secton Prvacy n the Terms and Condtons for ths account. If you are a trustee of a busness trust, you represent and warrant that the trust deed or nstrument authorses the openng and operaton of the account or accounts n the manner set out n the Account Operatng Authorty n Part 2 of ths Secton 9 (see 'Premum Busness Cheque Account sgnatores' below). Applcants for a Busness Overdraft, BetterBusness Loan, BetterBusness Lne of Credt, Trade Fnance Faclty or Asset Fnance You declare that: the credt to be provded to you by the Bank, f ths applcaton s approved, s to be wholly or predomnantly for busness purposes; all of the drectors, propretors or partners are Australan ctzens or permanent resdents; Usual Terms and Condtons Fnance Lease or Hre Purchase Wth your documentaton Usual Terms and Condtons Equpment Loans and Wth your documentaton Good Mortgage all of the drectors, propretors or partners are over 18; each of the drectors, propretors or partners has an annual ncome of 25,000 or more; f your busness s a company, the drectors are wllng to provde a personal guarantee; and none of the drectors, propretors or partners has ever been bankrupt. Applcants for a Busness Credt Card You declare that: the credt to be provded to you by the Bank, f ths applcaton s approved, s to be wholly or predomnantly for busness purposes; all of the persons named n Secton 3 are Australan ctzens or permanent resdents; all of the persons named n Secton 3 are over 18; each of the persons named n Secton 3 has an annual ncome of 25,000 or more; f your busness s a company, the drectors are wllng to provde a personal guarantee; and none of the persons named n Secton 3 has ever been bankrupt. You authorse us to ssue a Busness Credt Card to the Cardholders named n Secton 5 and the addtonal cardholders named n Secton 9 who wll operate as your agents. You acknowledge that the card s to be ssued on the bass that the cardholder wll only use the card for the purpose of payng expenses ncurred n the course of your busness. You understand that you have no clam aganst us for any use of the card that s contrary to the purpose for whch t s used. You understand that the Fnancal Transacton Reports Act 1988 requres cardholders to state all the names by whch they are commonly known and prohbts the use of false names. I/We understand and acknowledge that the law requres sgnatores to provde true and correct nformaton and state all the names by whch they are commonly known. I also understand that the law prohbts the use of false names, as well as the gvng, use or producton of false or msleadng nformaton or documents n connecton wth the provson of fnancal servces and the makng, possesson or use of a false document n connecton wth an dentfcaton procedure. I/We declare that the detals as shown on ths form are complete and correct. Page 9 of 10

10 Secton 10: Authorsatons, checklst and sgnatures Applcants for CommBz You request that the accounts opened under ths applcaton be lnked to a new CommBz servce establshed as part of ths applcaton. You acknowledge that you have read and understood the securty precautons set out n the CommBz Terms and Condtons. You authorse the Bank to debt any fees that may be 2 Sgnatures charged from tme to tme for your use of the CommBz faclty as set out n the Terms and Condtons of your accounts lnked to CommBz and the CommBz Terms and Condtons. You acknowledge that your frst transacton usng the CommBz faclty wll ndcate your acceptance of the Bank s Electronc Bankng Terms and Condtons. Marketng materal Tck ths box f you do not want to receve any marketng materal from us. Instructons for sgnng ths form By sgnng below, you make the declaratons, authorsatons and acknowledgements set out n Part 1 of ths Secton 9. You acknowledge that you are applyng for the solutons selected n Secton 1, for and on behalf of the busness named n Secton 2. See Who should complete ths form? on page 1 for nformaton about who can sgn ths form on behalf of your busness. If you open more than one Premum Busness Cheque Account, by default they wll all have the same account sgnatores and method of operaton. If you would lke dfferent arrangements for dfferent accounts, please tck the relevant box below, and we ll contact you. Any authorsed sgnatory can operate a Busness Onlne Saver. If you would lke to apply for a Busness Credt Card to be used by someone other than the Drectors, Propretors or Trustees, please ensure that the addtonal cardholders sgn below. Premum Busness Cheque Account sgnatores Any one sgnatory can operate the accounts Both sgnatores must sgn I would lke dfferent sgnatores for dfferent accounts please contact me for more nformaton. Sgnature/s Documents you need to provde I have attached the requred documents set out n the checklst on page 1. IMPORTANT: If you do not provde all of the necessary supportng documents, t may delay the processng of your applcaton. Name of Drector / Propretor / Partner 1 Name of Drector / Propretor / Partner 2 Date Sgnature Date Sgnature 3 Addtonal Busness Credt Card cardholders' sgnatures Please complete ths secton for addtonal Busness Credt Card cardholders. Declaraton and consent by cardholders I, the cardholder consent to the ssue of a busness credt card n my name for use as an agent of the Accountholder. I agree to only use the card for the purpose of payng expenses ncurred n the course of the Accountholder s busness. I agree to the Bank s use and dsclosure of my personal nformaton, as specfed n the Prvacy Informaton n Secton 8 of ths applcaton. I understand that the Fnancal Transacton Reports Act 1988 requres cardholders to state all the names by whch they are commonly known and prohbts the use of false names Addtonal sgnatory 1 Addtonal sgnatory 2 Date Date Sgnature Sgnature Page 10 of 10

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