FOR AFM ACCREDITED INTRODUCERS USE ONLY

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2 COMMERCIAL DIVISION Motor Vehicle & Equipment Full Doc Only Leasing Hire Purchase Novated Lease Property Full Doc 75% Lo Doc 75% Lease Doc 65% Construction 60% - 70% end value Chattel Mortgage FOR AFM ACCREDITED INTRODUCERS USE ONLY

3 CONTENTS F A C T S H E E T S GENERIC GUIDELINES ABL Full Doc ABL Lo Doc ABL Lease Doc AFM White Label Self-Managed Superannuation Funds Line of Credit - Full Doc & Lo Doc Short Term "Flexi Loan" - Full Doc & Lo Doc Construction Funding Application Checklist Enquiry Form to info@australianfm.com.au H HOW TO APPLY FOR A COMMERCIAL LOAN Download the following documents from our website under Downloads, go to Enquiry Form to be faxed to us to receive an indicative quote Application Form/AFM or Adelaide Bank as applicable Letter of Appointment / Mandate Self Certification / Accountants Letter Lite Doc Self Certification Quick Doc Provide copy of Rates Notice for refinances FAX or above details to AFM on or info@australianfm.com.auh for processing Provide originals prior to settlement This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change w ithout notice. As at July 2013

4 P registered AFM COMMERCIAL PROPERTY FINANCE GENERIC GUIDELINES Loan Size $100,000 - $10,000,000 Loan Purpose & Type Purchase & Refinance Owner Occupier or Investor Non Coded Loans LVR 65% - 75% 1 P st mortgage over Retail, Industrial or Property Interest Rate Debt Service Ratio Exclusions Financial Information Lender s Establishment Fee - Ongoing Fees Other Fees Early Repayment Up to 25 years (P + I) UORU 3 yrs (Interest Only) thence P + I Please contact AFM Division for rate Varies between lenders Specialised Securities Full Doc last 2 years financial accounts i.e. Balance Sheets, Notes and Profit & Loss Account for corporate borrower PLUS last 2 years Tax Returns for Directors and also if borrower is an individual or partners. Lo Doc - Self Certification / 6 months Loan Statements (all loans) / 6 months Business Banking Statements / most recent Credit Card Statements Lease Doc Net rentals to cover interest X 1.5 times. 0.50% % varies with each lender. $990 including GST. Refundable if approval not forthcoming. Not refundable if conditionally approved Up to $20 per month (ABL Smart Suite only) Up to 1.00% of loan approved + GST payable at settlement. Borrower responsible for Valuation Fees, Legal Fees, Title Insurance, Settlement Fee and disbursements. (as applicable to Lender) Variable with each lender Property Location Capital Cities & Regional Areas with population > 20,000 Valuations Depends on location and type of property Approx $1 per $1,000 of value as a guide (minimum fee $770) All valuations paid on acceptance of conditional approval ABL minimum fee $1, Broker Trail Introducing broker receives up to 0.50% + GST From NIL up to 0.25%pa paid monthly subject to lenders guidelines. Contact Iain, Noel or David Love on: Fax: info@australianfm.com.au This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change w ithout notice.

5 P registered ABL Full Doc Loan Size $150,000 - $3,000,000 Loan Purpose & Type Purchase & Refinance Owner Occupier or Investor Non Coded Loans 1 P st mortgage over Retail, Industrial or Property LVR Interest Rate Debt Service Ratio Exclusions Financial Information Lender s Establishment Fee Ongoing Fees Other Fees Early Discharge Up to 75% for loans to $1m and 70% for loans in excess. 25 years (P + I) UORU 3 yrs Interest Only - 75% LVR OR - 5 yrs Interest Only 70% LVR or less thence P + I Please contact AFM Division. Variable and Fixed rates available. 1.5 times for owner-occupiers times for investors. Specialised Securities and Vacant Land Last 2 years Balance Sheet and Profit & Loss accounts for corporate borrowers. 2 years Tax Returns for Directors and if individual borrowers. 6 months Loan Statements for all other loans. Last 6 months business banking statements or if PAYG last 6 months personal banking statements 0.50% + GST $990 including GST. Refundable if approval not forthcoming. Not refundable if conditionally approved 0.50% of loan approved + GST payable at settlement. $20 per month Borrower responsible for Valuation Fees, Legal Fees, and disbursements. Deferred Establishment Fee 1.5% of the contracted loan amount if loan discharged within 48 months of settlement Voluntary Repayments Variable Rate: Extra principal repayments can be made at any time without penalty Fixed Rate: Maximum $20,000 p.a. (in excess of normal repayments) is permitted after which break costs may apply Property Location ABL accepted postcodes Valuations Depends on location and type of property Approx $1 per $1000 of value as a guide (minimum fee $770) All valuations paid on acceptance of conditional approval Other Benefits Manual Redraw $50 per transaction Online/telephone Transacting redraw free Minimum redraw $500 Loan Splits available $100 per split No Annual Reviews Broker Trail Introducing broker receives 0.50% + GST after settlement Up to 0.10%pa paid monthly Contact AFM : fax: info@australianfm.com.au This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are s ubject to change w ithout notice.

6 P registered ABL Lo Doc Loan Size $150,000 - $2,000,000 Loan Purpose & Type LVR Interest Rate Purchase & Refinance Owner Occupier or Investor Non Coded Loans 1 P st mortgage over Retail, Industrial or Property Up to 75% for loans to $1m and 70% for loans in excess. 25 years (P + I) UORU 3 yrs Interest Only - 75% LVR OR - 5 yrs Interest Only 70% LVR or less thence P + I Please contact AFM Division. Variable and Fixed rates available. Debt Service Ratio 1.5 times for owner-occupiers times for investors. Exclusions Financial Information Lender s Establishment Fee Ongoing Fees Other Fees Early Discharge Specialised Securities and Vacant Land Self Certification of Income for Company and Directors and/or personal borrowers. 6 months Loan Statements for all other loans. Last 6 months business banking statements or if PAYG last 6 months personal banking statements 1.00% + GST $990 including GST. Refundable if approval not forthcoming. Not refundable if conditionally approved 0.50% of loan approved + GST payable at settlement. $20 per month Borrower responsible for Valuation Fees, Legal Fees, Title Insurance, Stamp Duty, and any other disbursements. Deferred Establishment Fee 1.5% of the contracted loan amount if loan discharged within 48 months of settlement Voluntary Repayments Variable Rate: Extra principal repayments can be made at any time without penalty Fixed Rate: Maximum $20,000 p.a. (in excess of normal repayments) is permitted after which break costs may apply Property Location ABL accepted postcodes Valuations Depends on location and type of property Approx $1 per $1000 of value as a guide (minimum fee $770) All valuations paid on acceptance of conditional approval Voluntary Repayments Variable Rate: Additional repayments may be made at any time without penalty. Other Benefits Manual Redraw $50 per transaction Online/telephone Transacting redraw free Minimum redraw $500 Loan Splits available $100 per split No Annual Reviews Broker Trail Introducing broker receives 0.50% + GST after settlement Up to 0.10%pa paid monthly Contact AFM : fax: info@australianfm.com.au This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change w ithout notice.

7 P registered ABL Lease Doc Loan Size $150,000 - $1,000,000 Loan Purpose & Type Purchase & Refinance LVR Up to 65% Non Coded Loans 1 P st mortgage over Retail, Industrial or Property Interest Rate 25 years (P + I) UORU 5 yrs (Int. Only) thence P + I Please contact AFM Division. Variable and Fixed rates available. Debt Service Ratio 1.00 times for investors based on net rental income from security properties. Lease to have 12 months to run from Settlement Exclusions Financial Information Lender s Establishment Fee Ongoing Fees Other Fees Early Discharge Specialised Securities Self Certification of Income for Company and Directors and/or personal borrowers. 6 months Loan Statements for all mortgage debts being refinanced. 1.00% + GST $990 including GST. Refundable if approval not forthcoming. Not refundable if conditionally approved 0.50% of loan approved + GST payable at settlement. $20 per month Borrower responsible for Valuation Fees, Legal Fees, and disbursements. Deferred Establishment Fee 1.5% of the contracted loan amount if loan discharged within 48 months of settlement Voluntary Repayments Variable Rate: Extra principal repayments can be made at any time without penalty Fixed Rate: Maximum $20,000 p.a. (in excess of normal repayments) is permitted after which break costs may apply Property Location ABL accepted postcodes Valuations Depends on location and type of property Approx $1 per $1000 of value as a guide (minimum fee $770) All valuations paid on acceptance of conditional approval Other Benefits Broker Trail Manual Redraw $50 per transaction Online/telephone Transacting redraw free Minimum redraw $500 Loan Splits available $100 per split No Annual Reviews Introducing broker receives 0.50% + GST after settlement Up to 0.10%pa paid monthly Contact AFM : fax: info@australianfm.com.au This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are s ubject to change w ithout notice.

8 AFM White Label Full Doc/Lease Doc Loan Size From $100,000 to $3M (per security) Loans up to $1.5M (LVR to 70%) Loans between $1.5M and $2M (LVR to 65%) Loans between $2M and $3M (LVR to 60%) Loan Purpose Purchase Refinance Owner Occupied or Investment Interest Repayments Max Loan LVR % Financial Information Debt Service Ratio Cover Lenders Establishment Fee Key Features Security Title Insurance Valuation Fees/Legal Fees Pay Down / Redraw / Internet Access Variable or Fixed for 1, 2, 3, 4 & 5 years P&I or Interest Only 20 years fully amortising P&I or 5 years interest only, auto reverting to 15 years P&I Up to 70% - Loans to $1.5m 65% - $1.5m to $2m 60% - $2m to $3m Full Doc Full Company Financial accounts 2 years, Directors Tax Returns 2 years Lease Doc Copy of Lease Only Minimum 2 Years to run. Full Doc - Minimum 1.5 times Lease Doc - If Net Rental Income proves serviceability at 1.5 times based on P&I then no other financial information is required. Lease must have 2 years to run. NIL $990 including GST, Refundable if approval not forthcoming. Not refundable if conditionally approved 1.00% of loan approved + GST payable at settlement Set and Forget facility, NO Annual reviews, NO Re Valuations. NO Ongoing Fees. Registered 1 st Mortgage only. Non-specialised. Strata or Torrens Title, Industrial, Retail or Residential properties. Refer Security Location Guide with Postcode Listing at the end of this fact sheet. Mandatory all securities By quotation please refer to AFM Yes Free. Manual Redraw request $100. Variable Rate Loans only. Split Loan Yes maximum 3 - $220 Early Discharge Trail Year 1 3 months additional interest (on initial loan) Year 2 2 months additional interest Year 3 1 months additional interest Note: All loans portions must remain above $10,000 or the relevant ERF will apply Introducing broker receives 0.50% + GST 0.10%pa paid monthly This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change without notice.

9 AFM White Label Full Doc Acceptable Postcodes NSW ACT VIC QLD SA WA TAS Inner City Inner City Inner City Inner City Inner City Inner City Inner City Metro Metro Metro Metro Metro Metro This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change without notice.

10 SMSF Loans Loan Size $250,000 - $3,000,000 Loan Purpose & Type LVR Interest Rate Debt Service Ratio Exclusions Financial Information Lender s Estab. Fee Ongoing Fees Lenders Legal Fees Early Discharge Voluntary Repayments To purchase, refinance commercial property, factory units, retail. Torrens Title or Strata Title FULLDOC ONLY 65% (70% NSW only) 5 years Interest Only thence subject to rollover. Max term 10/15 years depending client s strength. P + I available at outset. Can be a combination of both. BBSY + Lenders Margin Serviceability is based on: net rental income from the purchased property, contribution to the SMSF by its members and investment income generated by other assets held by the SMSF Specialised Properties, Vacant Land, construction etc. Full financial disclosure including Balance Sheet, Profit & Loss Account and Taxation Returns for past 3 years for all entities. Personal Taxation Returns and Assessment Notices for Directors. 0.50% % + GST $990 + GST- Payable with the application and is refundable if approval not forthcoming. Not refundable if conditionally approved and loan does not proceed or if client withdraws the Application after lodgement. 1.00% of Loan Approved + GST $30 - $50 p.m. case by case TBA + disbursements NIL for variable rate loans. Break costs apply to Fixed Rate loans. Allowable Property Location Metro and Major Regional Centres with a minimum population of approx. 50,000 Except N.T Valuations Approx. $1.10 per $1000. Minimum Valuation Fee $ Structure 1. Borrowings the SMSF Trust borrows from the Lender which together with the SMSF s contribution completes the purchase. 2. Property Owner the Security Trust purchases the property and becomes the legal owner. 3. Security is by way of First Mortgage over subject property, Guarantee of the Security Trustee, personal Guarantees from Directors and Fund Members 4. Subject to Formal lease between the security holding Trust and the tenant. Documentation Trail Trust Deeds (2) to be acceptable to Lender s Legal Dept. Legal Fees apply. Introducing Broker receives 0.50% + GST after settlement Not applicable to this product. Contact AFM : Fax: info@australianfm.com.au This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change w ithout notice.

11 I n i t i a l i n f o r m a t i o n r e q u i r e m e n t s f o r C o m m e r c i a l S M S F l o a n s. 1. Complete loan application form: after obtaining quote from AFM. 2. Preferred product type, term, interest rate and repayment schedule. 3. Security trust document (if using your own) plus any variation documents. 4. SMSF trust deed plus any variation documents. 5. Full copy of the executed contract of sale if property already purchased. 6. Current or expected rental on property or copy of the lease agreement. 7. Copy of recent bank statements showing current 8. ID for 100 point check 9. Personal taxation returns for all individuals/ directors/members for past 2 years. 10. Final SMSF financial statements for past 2 years 11. Final company financial statements for any guarantor companies for past 2 years. 12. Current management P&L and balance sheet for any guarantor companies 13. Completion of Statutory Payments Certificate confirming all important payments are paid and up to date with no arrangements presents (all corporate entities). cash balance held in the SMSF. AFM strongly recommend that a contract for sale should not be exchanged until credit assessment and formal approval has been issued. CALL AFM COMMERCIAL ON July 2013

12 P registered Line of Credit Loan Size Up to $500,000 as a fully fluctuating Line of Credit minimum borrowing including LOC and other facilities is $200,000 Loan Purpose & Type Up to $5 million on combined borrowings Purchase & Refinance Owner Occupier or Investor Non Coded Loans 1st P mortgage over Retail, Industrial or Property Available on Full Doc, LDoc & QDoc 25 years and up to 5 year Term on Line of Credit with NO REVIEWS LVR Interest Rate Debt Service Ratio Exclusions Lender s Establishment Fee Ongoing Fees Early Termination Rollover (new term) Line of Credit Only Property Location Valuations Broker Trail FULL DOC 75% LVR 2 years Tax Returns / financial statements Term up to 5 years revolving Max borrowing $5m / LOC portion $500k LDOC 70% LVR Income certification + accountant s letter Term up to 3 years revolving Max borrowing $2m/LOC portion $500k QDOC 65%LVR Income self-certification Term up to 3 years revolving Max borrowing $2m/LOC portion $500k Up to 5 years no annual reviews Please contact AFM Division for rate Full Doc 1.5 times interest cover, LDoc 1.75 times, QDoc 2 times Specialised Securities 0.65% (min $2,000) plus GST $990 including GST. Refundable if approval not forthcoming. Not refundable if conditionally approved Up to 1.00% of loan approved + GST payable at settlement Quarterly Line Fee 0.30%pa (min $75 per quarter) Nil however early termination fee may be payable on borrowings other than the Line of Credit 0.30% plus GST (min $1,000) Capital Cities & Regional Areas with population > 20,000 (excluding NT) for Full Doc and > 50,000 for Lite Doc and Quick Doc Depends on location and type of property allow $1 per $1000 (min $770) Minimum Property value $250,000 Introducing broker receives 0.50% + GST after settlement Up to 0.25%pa paid monthly calculated on minimum monthly LOC balance Other Fees Withdrawals - First 4 per month free then $250 each Deposits - Nil Annual Fee - Nil This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change w ithout notice.

13 Line of Credit Account Operation Interest rate calculated daily Interest payable monthly in arrears by Direct Debit Withdrawal Requests By , Fax, Phone note that phone requests must be followed up with written confirmation Withdrawal processing same day EFT if instructed by 1:00pm Deposits EFT, BPay, Cheque (allow 3 days to clear) Annual Reviews only if conduct outside terms End of Term Rollover subject to updated information IMPORTANT NOTE: This product does not offer full transactional banking capabilities and is intended for borrowers who require a moderate level of flexibility within their borrowings Contact AFM : Fax: HT Uinfo@australianfm.com.au UTH This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change w ithout notice.

14 Short Term Flexi Loan FullDoc & LoDoc Loan Size Loan Purpose & Type LVR Interest Rate Debt Service Ratio Exclusions Financial Information Lender s Establishment Fee Ongoing Fees Min. $100,000 to $5m FullDoc and $2m LoDoc Purchase, Refinance & Equity Release. Owner Occupier or Investor Up to 75% FullDoc and 70% LoDoc 6 months 36 months Please contact AFM Division for rate FullDoc 1.5 times and LoDoc 1.75 times Specialised Securities FullDoc Two years full financials etc. Tax Returns for Directors or Individuals. LoDoc Accountant s Letter and Self Certification for Individuals and Company. 6 months business banking statements. FullDoc & LoDoc - 6 months Loan Statements for all other Loans and Last Credit Card Statement. 0.65% + GST (Min. Fee payable $ GST) $990 including GST Refundable if approval not forthcoming. Not refundable if conditionally approved and loan does not proceed or if client withdraws the Application after lodgement. 1.00% of loan approved + GST payable at settlement. Nil Other Fees Settlement Fee $ Early Discharge NIL early repayment fee after first 6 months. Any principal repayment within first 6 months attracts one month s additional interest Voluntary Repayments Property Location As required subject to Early Discharge comments Minimum Population 50,000. NT excluded. Valuations Minimum property valuation $250,000 Fees depend upon location and type of property. Approx. $1.00 per $1000 of value min. $ Other Benefits Broker Trail Progressive drawdowns allowed. Redraw $2000 min. No annual reviews and no re-valuations subject to account conduct. Option to convert loan to a longer term facility at end of initial loan term. Introducing Broker receives 0.50% + GST after settlement Up to 0.25% pa + GST paid monthly. Contact AFM : fax: info@australianfm.com.au This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are subject to change w ithout notice.

15 Construction Funding Loan Size Maximum $1,500,000 (refer to AFM for larger loans) Loan Purpose & Type Land purchase & construction Max 4 Residential Units or Small Non Coded Loans 1 st registered mortgage over Security Property LVR Interest Rate Exclusions Financial Information Lender s Establishment Fee 70% of end value for residential loans up to $750,000 (65% commercial) 65% of end value for residential & commercial loans $750,000 - $1,500,000 Loan amount not to exceed 80% of cost (land value & construction contract) May consider larger loans $1.5million to $2.5 / $3million 2 years Please contact AFM Division. Specialised Securities Self-Certification of Income and accountants letter Up to 1.75% + GST/ $990 including GST. Refundable if approval not forthcoming. Not refundable if conditionally approved 1.00% of loan approved + GST payable at settlement. Progress Payment On a cost to complete basis Other Fees Borrower responsible for Valuation Fees, Legal Fees, Quantity Surveyor, Stamp Duty, and any other disbursements. Property Location METROPOLITAN LOCATIONS Valuations Depends on location and type of property All valuations paid on acceptance of conditional approval Introducing broker receives 0.50% + GST after Settlement. Broker Trail Not applicable Contact AFM : fax: info@australianfm.com.au This table only contains a summary of our products features. Fees, terms and conditions may apply. Features are s ubject to change w ithout notice.

16 Property Finance APPLICATION CHECK LIST (Please complete and attach to Application) Please note that AFM reserve the right to request any information that AFM may require to satisfy our funders. 1.) REQUIREMENTS FOR ALL TYPES OF LOANS (available from AFM Document Library) a. AFM application form fully completed and forwarded to AFM together with b. Letter of Appointment c. Mandate Form d. Cheque / Credit Card Authority completed for Note about Application Fee: Is FULLY refundable if loan is declined Is NOT refundable if loan is approved and not proceeded with Is NOT refundable if client withdraws the Application after lodgement 2.) LO DOC and LITE DOC LOANS As per 1 & 2 above plus the following: a. Self Certification of income for personal borrowers b. Company Declaration of income for corporate borrowers / guarantors c. Accountant s Letter re capacity to pay d. 6 months business banking statements 3.) FULL DOC LOANS As per 1 & 2 above plus the following: 2 years financial statements - Applicants / Directors Tax Returns + 2 years full financial statements a. including Notes for Corporate entity 4.) CONSTRUCTION LOANS a. 70% of end value for residential loans up to $750,000 (65% commercial) b. 65% of end value for residential & commercial loans from $750,000 - $1,500,000 c. Maximum 6 resi units & small commercial d. Self-Certification & accountants letter For further information please call: Noel Brown (02) or David Love (02) Note: all forms are available on the AFM Website under Downloads - Australian First Mortgage Pty Ltd Supporting Document Requirements July 2013