Thank you for allowing Assured Home Loans to assist you with your next home loan.

Thank you for allowing Assured Home Loans to assist you with your next home loan. Important information you need to know about our Super Rewards Home Loan products and the process to apply for a loan: By completing an online application, Assured Home Loans (Assured) can deliver some of the lowest rates in Australia! We are effectively cutting out the middle man which means you save money. Assured offers a Help Desk which gives you a contact point with any questions you have after reviewing our product profile sheet or with filling out the loan application pack. To assist you in sending us a fully completed application pack (to help us in giving you a prompt decision) please carefully read the Checklist and complete all relative sections. Assured offers exceptional customer service by assigning you a dedicated loans officer who will take charge of your application and keep you fully informed at each and every step of the loan process. This person assesses, obtains formal approval and arranges the settlement of your loan. Finally, to assist us in continuing to offer competitive products Assured require a Loan Processing Fee of 100.00 to commence assessment. Once your loan has been conditionally approved, we will require the valuation fee. However, if your loan is declined the initial 100.00 fee is refundable. Please also by aware that these fees are not additional fees but will be applied to the Application and/or Valuation Fees of the loan. If you have chosen a product which has no application or valuation fees, these fees will be refunded within 7 days of loan settlement. Assured Super Rewards Help Desk 1800 737 787 Assured Home Loans Pty Ltd ABN 46 066 462 977 341 North East Road, Hillcrest, S.A. 5086 Phone 1800 737 787 Fax (08) 83 679 777 Email: superrewards@assuredhomeloans.com.au

Required Documents Checklist - NoDoc For fast approval, please ensure all items as detailed in this checklist are provided Please check each box as you complete the information required STANDARD FOR ALL APPLICATIONS Completed for Applicant 1 2 1) Application Form (5 pages) - please do not complete the Base Weekly Income, Regular Overtime or Details of other income (eg rental) boxes on the personal details page, nor the Assets & Liabilities page. 2) Loan Purpose Check List (1 page) 3) Privacy Act 1988 Consent (2 pages) 4) Identification Record - Reference from an Acceptable Referee (2 pages for each applicant) Form needs to be completed by a listed acceptable referee who has known you for 12 months 4a) Certified Photocopy of photo identification (refer separate Instruction Page) 5) Declaration as to Purpose of Credit/Joint Nomination Form (1 page) Declaration of Purpose section to be completed if loan is predominantly for investment use Joint Nomination Section to be completed where you wish to nominate a particular borrower to receive all notices 6) Loan processing & valuation fee credit card authorisation completed within application form PURPOSE OF LOAN Purchase of New Property (this section only required to be completed if buying a property) 8) Full copy of purchase contract signed and dated by both purchaser and vendor 9) Evidence of source of deposit (6 months' bank statements, statutory declaration for gift) 10) First Home Owners Grant Application Form (if applicable) Refinance Current Property (this section only required to be completed if refinancing a current loan/s) 11) Last 6 months statements for all loans being refinanced 12) Request for Mortgage Payout (property related loans/s) - print additional pages as needed 13) Request for Personal Loan/Credit Card Payout (all other loans) - print additional pages as needed INCOME VERIFICATION Self-Employed NoDoc Product 14) Fully completed Loan Affordability Declaration NoDoc Loans (one for each borrower) Once this checklist and all supporting documentation as detailed above has been fully completed, please fax all documents to Assured Home Loans on (08) 8367 9777, or scan and email to superrewards@assuredhomeloans.com.au with all original documentation to be posted to 341 North East Road, Hillcrest SA 5086 For further assistance our Assured Super Rewards Home Loans Helpdesk (phone 1800 737 787) is open 9.00am to 6.00pm EST

Assured NoDoc Super Rewards Online Plus Mortgage Loan Application Your full name: AXA Superannuation Membership Number: Contact phone number: (home/work/mobile) Email address: Help Desk person you have spoken to (if applicable): Who is paying the Lenders Mortgage Insurance: (cross out option not applicable) I/We the borrower/s Lender Please summarise below what you wish to achieve with this loan application and where it is a refinance, detail specifically which loans you are seeking to refinance. Please also explain any other aspect about your personal details, credit history or specific requirements that you believe would assist us in assessing your loan and meeting your future lending needs. When sending to Assured please state total number of pages included: pages

PERSONAL DETAILS for BORROWER (1) PERSONAL DETAILS for BORROWER (2) Surname: Mr/Mrs/Miss/Ms: Surname: Mr/Mrs/Miss/Ms: Full Given Name(s): Date of Birth: Full Given Name(s): Date of Birth: Name of Spouse (if not a borrower): Name of Spouse (if not a borrower): Marital Status: Dependant Children: Drivers Licence No. Marital Status: Dependant Children: Drivers Licence No. No. Ages No. Ages Current Address:.. Post Code Time there yrs mths Status: Rent/Board/Owned/Live with Family/Rent Free Previous Address :.. Post Code Time there yrs mths Address after Settlement:.. Post Code Contact Numbers: Home: Work: Mobile.... Email: @ Are you a resident of Australia? Yes No Current Address:.. Post Code Time there yrs mths Status: Rent/Board/Owned/Live with Family/Rent Free Previous Address :.. Post Code Time there yrs mths Address after Settlement:.. Post Code Contact Numbers: Home: Work: Mobile: Email: @ Are you a resident of Australia? Yes No EMPLOYMENT DETAILS for BORROWER (1) EMPLOYMENT DETAILS for BORROWER (2) Employers Name: Employers Name: Employers Address: Employers Address: Occupation: Period with this employer: Occupation: Period with this employer: Payroll F/time P/time Contact No: Casual S/Emp Payroll F/time P/time Contact No: Casual S/Emp Base Weekly Income: Regular Overtime: Base Weekly Income: Regular Overtime: Details of other income: (eg. rental) Details of other income: (eg. rental) Previous Employer: (complete if current employment less than 2 years) Previous Employer: (complete if current employment less than 2 years) Occupation: Period with this employer: Occupation: Period with this employer:

Details of Type of Loan Purpose Of Loan Amount Date Loan Required Principal & Interest Interest Only For yrs Variable Rate Fixed Rate For yrs Line of Credit 25 yr 30 yr Personal Investment / / Fund Summary (complete as required) Established Home Building Price: Price: Estimated Costs: Estimated Costs: Variation/Refinance/ Other Property Value: Loan(s) outstanding: Split Facility Split 1 Type... Total: Your Contribution: Total: Your Contribution: Additional amounts: Split 2 Type... Loan required: Loan required: Loan required: Loan required: PROPERTY (1) OFFERED AS SECURITY FOR THIS LOAN Security Address:. PROPERTY (2) OFFERED AS SECURITY FOR THIS LOAN Security Address:. Names to be registered on Title: Names to be registered on Title: Usage: Presently Occupied by applicant To be occupied by applicant Usage: Presently Occupied by applicant To be occupied by applicant Vacant To be leased Leased for yrs Vacant To be leased Leased for yrs Zoning: Zoning: Volume No: Folio Number: Volume No: Folio Number: Person to contact for Valuer s acces to this property: Person to contact for Valuer s acces to this property: Contact Numbers: Business:. Contact Numbers: Business:. A/Hours:.. A/Hours:.. NAME OF YOUR CONVEYANCER/ Telephone: SOLICITOR: Address: Name of Firm/Company they work for:

ASSETS LIABILITIES Real Estate Current Value Mortgage Loans Amount Borrowed Monthly Repayment Amount Owing Address 1:.. Lender..... Lender...... Address 2:....... Personal Loans Lender. Savings Accounts Lender. Financial Institution:... Financial Institution:... Overdrafts Lender. Investments (Bonds, Shares, etc) Specify:... Hire Purchase/Lease Specify:... Lender. Lender. Motor Vehicles/Boat etc Specify... Credit Cards/Store Accounts: Furniture and Personal Effects: Specify... Other Assets: Other Liabilities Specify... Specify Rent/Board/Maintenance TOTAL ASSETS.. TOTAL LIABILITIES

I/We have made an application for credit via Assured Home Loans Pty Ltd (ABN 46 066 462 977), known as Assured and I/we acknowledge that: 1. I/We declare that to the best of my/our knowledge and belief, the facts, information and statements set out in this application are true and correct, and that no information, which might affect the decision of the credit provider, has been withheld. 2. I/we and any guarantors are all aged over 18 years. 3. I /we consent to the disclosure of this application and any loan information (including statements of accounts, request for payment etc) before, during or after the loan, to any guarantor. 4. Assured may be paid and retain fees, margins and commissions in respect of the credit arranged by Assured. 5. Assured has not provided any financial planning advice or investment advice and has not made any representation as to the financial viability or prudence of the proposed transaction. 6. Any decision to lend is not an indication of the soundness of any investment I/we make. 7. Any valuation relied upon by the lender to assess this application for finance is for the purpose of the lender only. 8. I/We (jointly and severally) in consideration of Assured processing this loan application agree to pay Assured s Loan Processing, Application, Valuation, Settlement and Documentation Fees. I/We agree to pay all costs and expenses regarding this application including but not limited to legal, including debt recovery costs, documentation and search fees should the application not proceed or be withdrawn. 9. I/we acknowledge that we are still in the process of providing all requested home loan information, however, I/we hereby instruct you to proceed to assessment and valuation of my/our home loan application. I/we acknowledge that if any future information provided is unsatisfactory and/or my/our home loan statements show any arrears/dishonours which may cause the loan to be declined, then I/we agree to pay all loan processing costs incurred to date. 10. I/we understand that if my/our loan application is declined prior to valuation being ordered and/or loan documents prepared, and I/we have disclosed full loan details including credit issues, late loan payments etc, then Assured will waive these costs. 11. I/we understand that an additional Loan Processing Fee of 600 may be charged to us/me if I/we elect not to proceed to settlement after a full formal loan approval has been provided (600 payable within 7 days). 12. A full and actual list of all fees/costs/charges including other government charges will be provided to you by our solicitor in your mortgage documents and loan offer. 13. I/We declare I/we have never been declared bankrupt and that there are no outstanding judgments against me/us. 14. Unless indicated below I/We consent to Assured using and disclosing information about me/us for the purposes of direct marketing and agree to being contacted by Assured and its business partners to be informed about products and services that I/We may be interested in. * Please do not keep me/us up to date with other products and services. Signature Name of Borrower 1 Date / / Signature Name of Borrower 2 Date / / I hereby authorise Assured Home Loans to deduct the loan processing and valuation fees of for this loan application from my credit card as follows: Bank Card Master Card Visa Card Card Number : Card Holder Name : Card Holder Signature: Card Expiry Date : / / For Office Use Only: Loan Product: Consultant: Please note Assured Home Loans agrees to refund the loan processing fee of 100.00 if the loan is declined prior to a valuation being ordered.

Loan Purpose Check List Extremely Important Notice To The Loan Applicant(s) Each Borrower Must Complete This Section It is possible that your proposed loan may be regulated by the Consumer Credit Code ("the Code"). The Code applies (inter alia) where: a. credit is provided under a contract; b. the borrower (debtor/mortgagor) is a natural person or strata corporation ordinarily resident in Australia and/or its territories; and c. the purpose for which credit is provided is wholly or predominantly of a personal, domestic, or household nature. Part A In order to determine whether or not the provisions of the Code will apply to this loan, the lender requires you to provide it with the following information: Yes No 1. Are any of the borrowers natural persons as described above? 2. Are any of the borrowers a corporation? If yes, do not complete Part B and Part C. 3. Is the borrower a strata corporation (being a corporation incorporated under strata title legislation, or whose issued shares confer a right to occupy land for residential purposes)? Part B The purpose of this proposed loan is: Loan Amount Sought 4. To purchase a residence for owner occupation. 5. To refinance an owner-occupied residence for personal use. 6. To refinance an owner-occupied residence for business use. 7. To purchase a property for investment purposes. 8. To refinance a property for investment purp oses. 9. To finance vacant land/construction of a residence to be owner -occupied. 10. To finance vacant land/construction of a property for investment purposes. 11. To provide a line of credit for personal use. 12. To provide a line of credit for business/investment use. 13. To have available credit to make personal purchases. 14. To provide funds for future investment use. 15. To provide funds for future personal use. 16. Other Total Loan: Part C Do you believe that the borrower is likely to receive an income tax deduction in respect of at least 50% of the total interest payable on the amount proposed to be borrowed? Yes No If you believe that the proposed loan is NOT provided wholly or predominantly for personal, domestic or household purposes, then you must also complete the Declaration as to Purpose. Important Notice: If you declare that the loan has a business or investment purpose, but the lender s subsequent enquiries reveal that the loan is regulated under the Code, then the lender may be obliged to reassess the loan and to arrange to have the loan re-documented. Any costs incurred by this process are to be borne by the borrower. Signature Borrower Name Date Signature Borrower Name Date

PRIVACY ACT 1988 CONSENT I/We acknowledge that I/we have made an application for credit from Assured Home Loans Pty Ltd. Assured Home Loans Pty Ltd may use the personal information I/we provide for the purpose of providing credit and subject to the provisions of the Privacy Act, I/we may have access to personal information collected and held by Assured Home Loans Pty Ltd, and the Lenders and Insurers noted in the Schedule. I/We may contact these companies for access to my/our personal information held (if any) by contacting the Privacy Officer at the address or in the manner disclosed in the Schedule. Authority to exchange information with other credit providers In accordance with Section 18N(1)(b) of the Privacy Act, I/we authorise Assured Home Loans Pty Ltd to give and obtain from credit providers named in this credit application, and credit providers that may be named in a credit report issued by a credit reporting agency, information about my/our credit arrangements. I/We understand this information can include any information about my/our credit worthiness, credit standing, credit history, or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act 1988. The Lender will or may seek lenders mortgage insurance from one or more insurers in respect of the repayment of any finance that the Lender may provide or in respect of any mortgage that may be given to secure the repayment. In this Notice, each of the insurers listed in the Schedule is referred to as insurer" so that a reference below to the Insurer means each of them acting alone or any or all of them acting collectively. I/we note that lenders mortgage insurance insures the Lender against loss on default under a mortgage finance arrangement the Lender has with me/us. I/We do not receive the benefit of the lenders mortgage insurance policy. Where the Lender applies to the Insurer for insurance in connection with: any finance sought by me/us from the Lender (whether sought by I/we alone or with others); or any mortgage and/or guarantee given or to be given by me/us (whether alone or with others) to secure the repayment of any finance provided or to be provided by the Lender; The Insurer will be collecting personal information about me/us. The Lender and Insurer will be collecting any such personal information about me/us for the purposes of: assessing the risk of providing lenders mortgage insurance to the Lender in respect of finance sought by me/us from the Lender; assessing the risk of me/us defaulting on your obligations to the Lender in respect of which the Insurer may provide (or has provided) lenders mortgage insurance; assessing the risk of me/us being unable to meet a liability that might arise under a guarantee entered into, or proposed to be entered into, in respect of mortgage finance given (or to be given) by the Lender to another person; the subsequent administration or variation of any lenders mortgage insurance cover provided; risk assessment and management involving securitisation, credit scoring, portfolio analysis, reporting and fraud prevention and claim recovery; and complying with legislative and regulatory requirements. Without the provision of my/our personal information to the Lender and Insurer, the Insurer may be unable to process or accept the Lender's application for lenders mortgage insurance and the Lender may be unable to provide the mortgage finance requested. By signing the acknowledgment below, I/we agree and consent to the Lender and Insurer using and disclosing the personal information it collects about me/us for the purposes set out above (subject to any restrictions imposed on the Lender and Insurer by Privacy Act 1988): The Lender and Insurer will usually or may disclose personal information of the kind it collects about me/us to: its related companies; re-insurers; credit reporting agencies; its service providers; its agents, contractors, and external advisers; my/our referees, including my/our employer; my/our legal and financial advisers; government and other regulatory bodies; ratings agencies; payment system operators; guarantors and prospective guarantors; title insurers; all parties involved in securitization; and other financial institutions and credit providers. In this Notice, a reference to Assured Home Loans Pty Ltd, the Lender or the Insurer includes a reference to their respective successors and permitted assigns. 0206

By signing the acknowledgment below, I/we agree and consent (subject to the restrictions imposed on the Insurer by the Privacy Act) to any such disclosures of your collected personal information by the Lender and Insurer, regardless of when or how the information was collected, even though some of the organisations may be overseas. If and to the extent that the Lender and Insurer does so in a manner and for purposes that conform with the Privacy Act, by signing the acknowledgment below, I/we agree and consent to: the Lender and Insurer obtaining information about my/our commercial activities and commercial credit worthiness from a business which provides information about the commercial credit worthiness of persons, and to the Insurer using that information in assessing the application of the Lender for lenders mortgage insurance; to the Lender and Insurer giving to and receiving from any credit providers named in the application for finance, and any credit providers named in a credit report issued by a credit reporting agency, information about my/our credit worthiness, provided that the information is given or received for the purpose of assessing the Lender's application for lenders mortgage insurance; and to the Lender and Insurer obtaining a commercial and/or consumer credit report containing personal information about me/us from a credit reporting agency and to the Insurer using that report or any information derived from the report in assessing the Lender's application for lenders mortgage insurance in respect of either consumer credit or commercial credit provided by the Lender, and for any other purposes permitted under the Privacy Act. SCHEDULE 1. In this Notice, the "Lender" means each and every one of the following organisations (whether acting individually or together): Assured Funding Pty Ltd (and associated entities) ACN: 111 629 728 Level 38, Riverside Centre, 123 Eagle Street, Brisbane 4000 Telephone: 1800 230 023 Interstar Wholesale Finance Pty Ltd (and associated entities) ABN: 72 087 271 109 Level 10, 101 Collins Street, Melbourne 3000 Telephone: 03 8616 1600 Perpetual Trustees Victoria Limited (and associated entities) ABN: 47 004 027 258 Level 28, 360 Collins Street, Melbourne VIC 3000 Telephone: 03 8628 0400 2. In this Notice, the "Insurer" means each and every one of the following organisations (whether acting individually or together): Genworth Financial Mortgage Insurance Pty Limited GE Capital Mortgage Insurance Corporation (Australia) Pty Ltd ABN: ABN: 60 106 974 305 52 081 488 440 Level 23,259 George Street, Sydney 2000 Telephone: 1800 655 422 PMI Mortgage Insurance Limited ABN: 70 000 511 071 Level 23,50 Bridge Street, Sydney 2000 Telephone: 1300 367 764 Vero Lenders Mortgage Insurance Limited ABN: 55 001 825 725 Level 5, 465 Victoria Avenue Chatswood 2065 Telephone: 02 9978 9000 The Mortgage Insurance Company (TMIC) Level 4, 10 Bridge Street, Sydney 2000 Telephone: 02 8259 3100 SIGNATURE OF APPLICANT / GUARANTOR I/we declare that I am/we are over the age of 18 and the information contained in this application are true and correct in every particular and it is upon this basis that I/we make this application for credit. I/we also confirm our agreement to the matters set out above: SIGNATURE ( 1 ) PRINT NAME DATE SIGNATURE ( 2 ) PRINT NAME DATE 0206

Financial Transaction Reports Act 1988 (FTR Act) Identification Record for a Signatory to an Account Reference from an Acceptable Referee (s.21) This form must be signed by an acceptable referee. Additional signatories to an account must each complete separate Acceptable Referee (s.21) forms. See overleaf for guidance notes before completing the form. Part A: Details of Signatory 1. Name of Signatory (in full, no initials) Surname Given Names s.21 Part C: Details of Acceptable Referee 7. Name of Acceptable Referee Surname Given Names The AUSTRAC Help Desk can be contacted on 1800 021 037 if you require general assistance to complete this form. 2. Account name/title (if unknown leave blank) 8. Occupation 3. Account number (if unknown leave blank) 9. Address 4. Signature (to be signed in the presence of the referee) State Postcode Part B: Documents examined by Referee 5. Primary identification document - Birth Certificate, citizenship certificate, or international travel document (e.g. passport) Type of Document Name on Document (cannot be initials) Document Number Date of Birth Date of Issue Office of Issue* * For a travel document, show country of issue 6. Secondary identification document Name on Document (cannot be initials) Date of Birth Address 10. Category of Referee (see list overleaf) Part D: Statement by Acceptable Referee 11. I have known the signatory for a period of (minimum 12 months): 12. The signatory has been commonly known to me by the name shown in Part A for a period of: 13. I have examined the identification documents whose details are shown in Part B, consisting of (tick one): A primary document in the name shown in Part A A secondary document in the name shown in Part A, plus a primary document in a former name Only a secondary document in the name shown in Part A 14. Where the name on the primary identification document differs from the name used by the signatory in relation to the account, the explanation given by the signatory is: State Postcode Type of Document Document Number Issued By 15. Where only a secondary identification document is examined, the explanation given by the signatory as to why a primary identification document was not produced, is: Date of Issue Date of Expiry Please Note: If only a secondary identification document is relied upon, the cash dealer must notify the Director of AUSTRAC, pursuant to section 22 of the Financial Transaction Reports Act 1988. 16. The signatory signed the identification reference in my presence. 17. Signature of the Acceptable Referee Date Form 21 - June 2003 Page 1 of 2

Notes of guidance for completing this form An Identification Reference must be signed in the presence of an Acceptable Referee. An Identification Reference is to be provided for each signatory to an account and comprises a written and signed reference by a person within a specified class of Acceptable Referees, declared by the Minister by Notice in the Gazette on 6 November 2002 in GN 44 (see list below). The reference must set out the name used by the signatory in relation to the account and must state that: The referee has known the signatory for the period specified in the reference (being a period of at least 12 months); During the whole of that period, or for so much of that period as is specified in the reference, the signatory has been commonly known by that name; and The referee has examined: - a specified primary identification document for the signatory in that name; or - a specified secondary identification document for the signatory in that name and a specified primary identification document for the signatory in a former name of the person; or - only a specified secondary identification document for the signatory in that name. 1. A member of: (a) the Institute of Chartered Accountants in Australia; or (b) the Australian Society of Certified Practicing Accountants; or (c) the National Institute of Accountants. 2. A member of a municipal, city, town, district or shire council of a State or Territory. 3. An employee of a financial institution who is authorised by the financial institution to open accounts with the institution. 4. An agent of a financial institution who is authorised by the financial institution to open accounts with the institution. 5. A full-time employee of: (a) a financial institution (other than an employee mentioned in item 3); or (b) a corporation that is a registered corporation within the meaning of the Financial Corporations Act 1974; who has been employed continuously for at least 5 years by one or more financial bodies. 6. An employee of a bank carrying on business outside Australia: (a) that does not have an authority under section 9 of the Banking Act 1959; and (b) that is engaged in a transaction with a cash dealer; who is authorised by the bank to open accounts with the bank. 7. A full-time employee of a company carrying on insurance business who has been employed continuously for at least 5 years by one or more companies of that type. 8. A legal practitioner (however described) of a Federal, State or Territory court. 9. A registrar, clerk, sheriff or bailiff of a Federal, State or Territory court. 10. An officer within the meaning of the Defence Act 1903. 11. An individual registered or licensed as: (a) a dentist; or (b) a medical practitioner; or (c) a pharmacist; or (d) a veterinary surgeon; under a law of a State or Territory providing for that registration or licensing. 12. An individual who holds the position of nursing sister and is registered as a nurse under a law of a State or Territory providing for that registration. 13. A diplomatic or consular officer of an Australian Embassy, High Commission or Consulate, in Australia or overseas. 14. A holder of an office established by a law of the Commonwealth, a State or Territory in respect of which annual salary is payable, other than an office mentioned in item 15. 15. A judge or master of a Federal, State or Territory court. 16. A stipendiary magistrate of the Commonwealth or of a State or Territory. 17. A justice of the peace of a State or Territory. 18. A member of the Parliament or a State Parliament. 19. A member of the Legislative Assembly of the Australian Capital Territory, the Northern Territory or Norfolk Island. 20. A minister of religion within the meaning of the Marriage Act 1961 who is registered under Division 1 of Part IV of that Act. 21. A notary public. 22. A member of the Australian Federal Police, or of the police force of a State or Territory, who, in the normal course of his or her duties, is in charge of a police station. Categories of Acceptable Referees Primary Identification Documents are: birth certificate; citizenship certificate; international travel document: - current passport; - expired passport which has not been cancelled and was current within the preceding 2 years; - other document of identity having the same characteristics as a passport (e.g. this may include some diplomatic documents and some documents issued to refugees). Secondary Identification Documents are documents (other than a primary identification document) which establish the identity of the signatory e.g. Australian driver s licence. Please Note: Primary and Secondary Identification Documents must have at least one given name plus surname in full (not initials). Warning: It is an offence under section 21 of the Financial Transaction Reports Act 1988 to make a false or misleading statement 23. A member of the Australian Federal Police, or of the police force of a State or Territory, of or above the rank of sergeant. 24. A manager of a post office. 25. An individual employed as an officer or employee by one or more of the following: (a) The Commonwealth, a State or Territory; or (b) an authority of the Commonwealth, a State or Territory; or (c) a local government body of a State or Territory; who has been so employed continuously for a period of at least 5 years, whether or not the individual was employed for part of that period as an officer and for part as an employee. 26. An individual employed as a full-time teacher or as a principal at one or more of the following educational institutions: (a) a primary or secondary school forming part of the education system in State or Territory; or (b) an institution listed in section 4 or paragraphs 34(4)(b)-(j) (inclusive) of the Higher Education Funding Act 1988; who has been so employed continuously for a period of at least 5 years. 27. An individual who, in relation to an Aboriginal community: (a) is recognised by the members of the community to be a community elder; or (b) if there is an elected Aboriginal council that represents the community - is an elected member of the council. 28. An individual who is an agent of a totalisator agency board if: (a) the individual conducts an agency of the totalisator agency board at particular premises; and (b) that agency is not ancillary to any other business conducted at those premises. 29. A commissioner for oaths of a State or Territory. 30. An individual who is registered as a tax agent under part VIIA of the Income Tax Assessment Act 1936. 31. A member of the Chartered Institute of Company Secretaries in Australia Limited. 32. A member or fellow of the Association of Taxation and Management Accountants. 33. A member of the Institution of Engineers, Australia, other than a member with the grade of student. 34. A fellow member of the National Tax and Accountants Association Limited. 35. The holder, or an authorised representative / proper authority holder of, a licence under sections 780, 781 or 913B of the Corporations Act 2001 who has known another person for at least 12 months is an acceptable referee in respect of the other person for the purposes of the definition of acceptable referee in subsection 3(1) of the FTR Act. 36. The holder of, or an authorised representative / proper authority holder of, a licence under sections 780, 781 or 913B of the Corporations Act 2001, who has complied with the requirements of section 912A of that Act and Australian Securities and Investments Commission Policy Statement 122 in relation to another person is an acceptable referee in respect of that other person for the purposes of the definition of acceptable referee in subsection 3(1) of the FTR Act. (In this situation there is no requirement for an existing 12 month relationship). Form 21 -June 2003 Page 2 of 2

Further notes regarding: Identification Record for a Signatory to an Account Reference from an Acceptable Referee (s.21) You need to provide to the Referee a photocopy of some form of photo identification (eg passport, driver s licence) and the Referee MUST record the following on that photocopied document and sign and date it: This is a photocopy of the original document and I confirm the photo is of the signatory as detailed in the attached s.21 form

Financial Transaction Reports Act 1988 (FTR Act) Identification Record for a Signatory to an Account Reference from an Acceptable Referee (s.21) This form must be signed by an acceptable referee. Additional signatories to an account must each complete separate Acceptable Referee (s.21) forms. See overleaf for guidance notes before completing the form. Part A: Details of Signatory 1. Name of Signatory (in full, no initials) Surname Given Names s.21 Part C: Details of Acceptable Referee 7. Name of Acceptable Referee Surname Given Names The AUSTRAC Help Desk can be contacted on 1800 021 037 if you require general assistance to complete this form. 2. Account name/title (if unknown leave blank) 8. Occupation 3. Account number (if unknown leave blank) 9. Address 4. Signature (to be signed in the presence of the referee) State Postcode Part B: Documents examined by Referee 5. Primary identification document - Birth Certificate, citizenship certificate, or international travel document (e.g. passport) Type of Document Name on Document (cannot be initials) Document Number Date of Birth Date of Issue Office of Issue* * For a travel document, show country of issue 6. Secondary identification document Name on Document (cannot be initials) Date of Birth Address 10. Category of Referee (see list overleaf) Part D: Statement by Acceptable Referee 11. I have known the signatory for a period of (minimum 12 months): 12. The signatory has been commonly known to me by the name shown in Part A for a period of: 13. I have examined the identification documents whose details are shown in Part B, consisting of (tick one): A primary document in the name shown in Part A A secondary document in the name shown in Part A, plus a primary document in a former name Only a secondary document in the name shown in Part A 14. Where the name on the primary identification document differs from the name used by the signatory in relation to the account, the explanation given by the signatory is: State Postcode Type of Document Document Number Issued By 15. Where only a secondary identification document is examined, the explanation given by the signatory as to why a primary identification document was not produced, is: Date of Issue Date of Expiry Please Note: If only a secondary identification document is relied upon, the cash dealer must notify the Director of AUSTRAC, pursuant to section 22 of the Financial Transaction Reports Act 1988. 16. The signatory signed the identification reference in my presence. 17. Signature of the Acceptable Referee Date Form 21 - June 2003 Page 1 of 2

Notes of guidance for completing this form An Identification Reference must be signed in the presence of an Acceptable Referee. An Identification Reference is to be provided for each signatory to an account and comprises a written and signed reference by a person within a specified class of Acceptable Referees, declared by the Minister by Notice in the Gazette on 6 November 2002 in GN 44 (see list below). The reference must set out the name used by the signatory in relation to the account and must state that: The referee has known the signatory for the period specified in the reference (being a period of at least 12 months); During the whole of that period, or for so much of that period as is specified in the reference, the signatory has been commonly known by that name; and The referee has examined: - a specified primary identification document for the signatory in that name; or - a specified secondary identification document for the signatory in that name and a specified primary identification document for the signatory in a former name of the person; or - only a specified secondary identification document for the signatory in that name. 1. A member of: (a) the Institute of Chartered Accountants in Australia; or (b) the Australian Society of Certified Practicing Accountants; or (c) the National Institute of Accountants. 2. A member of a municipal, city, town, district or shire council of a State or Territory. 3. An employee of a financial institution who is authorised by the financial institution to open accounts with the institution. 4. An agent of a financial institution who is authorised by the financial institution to open accounts with the institution. 5. A full-time employee of: (a) a financial institution (other than an employee mentioned in item 3); or (b) a corporation that is a registered corporation within the meaning of the Financial Corporations Act 1974; who has been employed continuously for at least 5 years by one or more financial bodies. 6. An employee of a bank carrying on business outside Australia: (a) that does not have an authority under section 9 of the Banking Act 1959; and (b) that is engaged in a transaction with a cash dealer; who is authorised by the bank to open accounts with the bank. 7. A full-time employee of a company carrying on insurance business who has been employed continuously for at least 5 years by one or more companies of that type. 8. A legal practitioner (however described) of a Federal, State or Territory court. 9. A registrar, clerk, sheriff or bailiff of a Federal, State or Territory court. 10. An officer within the meaning of the Defence Act 1903. 11. An individual registered or licensed as: (a) a dentist; or (b) a medical practitioner; or (c) a pharmacist; or (d) a veterinary surgeon; under a law of a State or Territory providing for that registration or licensing. 12. An individual who holds the position of nursing sister and is registered as a nurse under a law of a State or Territory providing for that registration. 13. A diplomatic or consular officer of an Australian Embassy, High Commission or Consulate, in Australia or overseas. 14. A holder of an office established by a law of the Commonwealth, a State or Territory in respect of which annual salary is payable, other than an office mentioned in item 15. 15. A judge or master of a Federal, State or Territory court. 16. A stipendiary magistrate of the Commonwealth or of a State or Territory. 17. A justice of the peace of a State or Territory. 18. A member of the Parliament or a State Parliament. 19. A member of the Legislative Assembly of the Australian Capital Territory, the Northern Territory or Norfolk Island. 20. A minister of religion within the meaning of the Marriage Act 1961 who is registered under Division 1 of Part IV of that Act. 21. A notary public. 22. A member of the Australian Federal Police, or of the police force of a State or Territory, who, in the normal course of his or her duties, is in charge of a police station. Categories of Acceptable Referees Primary Identification Documents are: birth certificate; citizenship certificate; international travel document: - current passport; - expired passport which has not been cancelled and was current within the preceding 2 years; - other document of identity having the same characteristics as a passport (e.g. this may include some diplomatic documents and some documents issued to refugees). Secondary Identification Documents are documents (other than a primary identification document) which establish the identity of the signatory e.g. Australian driver s licence. Please Note: Primary and Secondary Identification Documents must have at least one given name plus surname in full (not initials). Warning: It is an offence under section 21 of the Financial Transaction Reports Act 1988 to make a false or misleading statement 23. A member of the Australian Federal Police, or of the police force of a State or Territory, of or above the rank of sergeant. 24. A manager of a post office. 25. An individual employed as an officer or employee by one or more of the following: (a) The Commonwealth, a State or Territory; or (b) an authority of the Commonwealth, a State or Territory; or (c) a local government body of a State or Territory; who has been so employed continuously for a period of at least 5 years, whether or not the individual was employed for part of that period as an officer and for part as an employee. 26. An individual employed as a full-time teacher or as a principal at one or more of the following educational institutions: (a) a primary or secondary school forming part of the education system in State or Territory; or (b) an institution listed in section 4 or paragraphs 34(4)(b)-(j) (inclusive) of the Higher Education Funding Act 1988; who has been so employed continuously for a period of at least 5 years. 27. An individual who, in relation to an Aboriginal community: (a) is recognised by the members of the community to be a community elder; or (b) if there is an elected Aboriginal council that represents the community - is an elected member of the council. 28. An individual who is an agent of a totalisator agency board if: (a) the individual conducts an agency of the totalisator agency board at particular premises; and (b) that agency is not ancillary to any other business conducted at those premises. 29. A commissioner for oaths of a State or Territory. 30. An individual who is registered as a tax agent under part VIIA of the Income Tax Assessment Act 1936. 31. A member of the Chartered Institute of Company Secretaries in Australia Limited. 32. A member or fellow of the Association of Taxation and Management Accountants. 33. A member of the Institution of Engineers, Australia, other than a member with the grade of student. 34. A fellow member of the National Tax and Accountants Association Limited. 35. The holder, or an authorised representative / proper authority holder of, a licence under sections 780, 781 or 913B of the Corporations Act 2001 who has known another person for at least 12 months is an acceptable referee in respect of the other person for the purposes of the definition of acceptable referee in subsection 3(1) of the FTR Act. 36. The holder of, or an authorised representative / proper authority holder of, a licence under sections 780, 781 or 913B of the Corporations Act 2001, who has complied with the requirements of section 912A of that Act and Australian Securities and Investments Commission Policy Statement 122 in relation to another person is an acceptable referee in respect of that other person for the purposes of the definition of acceptable referee in subsection 3(1) of the FTR Act. (In this situation there is no requirement for an existing 12 month relationship). Form 21 -June 2003 Page 2 of 2

Further notes regarding: Identification Record for a Signatory to an Account Reference from an Acceptable Referee (s.21) You need to provide to the Referee a photocopy of some form of photo identification (eg passport, driver s licence) and the Referee MUST record the following on that photocopied document and sign and date it: This is a photocopy of the original document and I confirm the photo is of the signatory as detailed in the attached s.21 form

Section 1 : Declaration as to Purpose of Credit I/We declare that the credit to be provided to me/us by the credit provider is to be applied wholly or predominantly for business or investment purpose (or for both purposes). Important You should not sign this declaration unless this loan is wholly or predominantly for business or investment purposes. By signing this declaration you may lose your protection under the Consumer Credit Code. Signed Dated / / Signed Dated / / Full Name Full Name Section 2 : Joint Nomination Form Each borrower is separately entitled under the Consumer Credit Code to receive a copy of any notice or other document under the Consumer Credit Code. This form may be signed by joint borrowers who wish to nominate one of them as the person who will receive notices and other documents relating to the loan (so that they don t have to each receive their own copy of any notices and other documents). By signing below, you give up the right to be provided with information direct from the Lender, and nominate one of you to receive this information. Nomination I/We nominate (full name of person nominated) to receive notices and other documents under the Consumer Credit Code on behalf of me/all of us. Only a person who is a Borrower may be the person nominated. Any Borrower who has signed this form can advise the Lender at any time in writing that they wish to cancel their nomination. Following any cancellation, the Lender will from then on provide each joint Borrower with their own separate copy of any notice or other document under the Consumer Credit Code. Signed Dated / / Signed Dated / / Full Name Full Name 030717

Request for Mortgage Payout You are authorised to advise Assured Home Loans of 341 North East Road Hillcrest 5086 and/or their solicitors, full details in relation to payout and closure of my/our mortgage loans(s) with your office. (please refer details as below) Name: Existing financial institution (and address) Contact for discharge: fax number Borrower(s) name(s) 1. 2....... Mortgage Loan account number Address of security property Certificate of Title details Requested settlement date Volume. Folio.... You are further authorised to hand to the Solicitor of Assured Home Loans, the relevant Certificate(s) of Title together with duplicate memorandum of mortgage and discharge of mortgage in return for repayment of my/our account in full. Financial Institution Solicitor details Assured Home Loans Pty Ltd of 341 North East Road Hillcrest 5086 phone: (08) 83 600 200 Fax: (08) 83 679 777 *Please also note, I/we do not wish to be contacted in regard to this request* Signed by.. date / /.. date / / Borrower 1 Borrower 2 WARNING under PART 5, Section 76 of the Uniform Credit Code (1994), A Credit Provider must, at the written request of a debtor or guarantor, provide a written statement of the amount required to pay out a credit contract (other than a continuing credit contract) as at such date as the debtor or guarantor specifies. If so requested, the credit provider must also provide details of the items which make up that amount. The statement must also contain a statement to the effect that the amount required to pay out the credit contract may change according to the date on which it is paid. A credit provider must give a statement, complying with this section, within 7 days after the request is given to the credit provider. WARNING NOTE: YOU AS THE LENDER WILL BE HELD LIABLE IF YOU CAUSE ANY DELAY BY NOT GIVING IMMEDIATE ATTENTION TO THIS DOCUMENT

Request for Personal Loan/Credit Card Payout Name: Existing financial institution Branch address. Contact for discharge: fax number Borrower(s) name(s) 1. 2.... Account details Requested settlement date You are authorised to advise Assured Home Loans Pty Ltd of 341 North East Road Hillcrest SA 5086 and their solicitors, full details on relation to payout of my / our loans(s) with your office. (Please refer details as below) **I do / do not wish to be contacted in regard to this request** (Please delete as necessary) Financial Institution Solicitor details Assured Home Loans Pty Ltd 341 North East Road Hillcrest 5086 Telephone: (08) 83 600 200 Fax: (08) 83679777 Signed by Borrower 1 Borrower 2

Loan Affordability Declaration NoDoc Loans A separate declaration must be made by each borrower and guarantor. This acknowledgement can be used where the statements relate to a company. Where this form is to be used for a company, this form is to be signed by one director OR two directors OR one director and the secretary in accordance with the company s constitution, and each signatory must fill out a separate form. To: Assured Funding Pty Ltd (ACN 111 629 728) Borrower: [ ] I confirm that I have requested you to assess my loan application without requiring me to provide evidence of my income and outgoings, and assets and liabilities. I am aware that you are prepared to review all this information and make your own assessment, but I have specifically asked you to accept my assurance of my ability to repay. I understand that the estimated initial repayments are the interest rate changes, the amount of these repayments may also change. per month and if I am satisfied that I will be able to meet my repayments on the due date without undue hardship, and I am satisfied that my obligations under this loan will not adversely impact on my ability to meet all my other financial obligations (including living expenses) as and when they fall due. I acknowledge that you are relying on this statement in considering whether or not to approve this loan application. Dated: / / Full Name of person making declaration Signature of person making declaration 050228