Before we can accept your Loan Application, it is important that
you please read carefully the following information:

IMPORTANT NOTICE TO APPLICANT(S) FOR CREDIT Please read carefully. Privacy Protection of Information (Section 18E(8)(c) Privacy Act 1988) The Credit Union may give personal information about you to a credit reporting agency, but only limited kinds of information allowed by the Privacy Act 1988 (Commonwealth). This includes: - · identity particulars - this only includes your name, sex, date of birth, current known address, two immediately previous addresses your current or last known employer and your driver's licence number; · the fact that you have applied for credit and the amount; · the fact that the Credit Union is a credit provider to you; · payments overdue for at least 60 days, when the credit union has taken steps to recover; · advice that payments are no longer overdue; · cheques for an amount greater than $100, drawn by you which have been dishonoured more than once; · the opinion of the Credit Union that you have committed a serious infringement; · when the credit provided to you has been discharged; · court judgments or bankruptcy orders made against you. Statement by Applicant(s) for Credit 1. Type of Credit The credit I am applying for is either; Wholly or primarily for a domestic, family or household purpose (consumer credit), or; Wholly or primarily for another purpose (commercial credit) 2. Giving information to a Credit Reporting Agency (Section 18E(8)(c) Privacy Act 1988) The Credit Union has informed me that it may give certain personal information about me to a credit reporting agency. I understand that the Credit Union can only give limited kinds of information which are set out in the Privacy Act 1988 and examples of which are listed on the top of this page 3. Exchanging Information with other Credit Providers (Section 18N(1)(b) Privacy Act 1988) I agree to the Credit Union checking personal information about me with any credit providers named in my credit application, and with other credit providers that may be named in a credit report issued by a credit reporting agency, for any of the following purposes:- - to assess my credit worthiness - to assess an application by me for credit - to help me avoid defaulting on my credit obligations - the collection of overdue payments - to notify a default by me. I understand that this information can include any information about my credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give to or receive from each other under the Privacy Act 1988. 4. Access to Commercial Credit Information (Section 18L(4) Privacy Act 1988) For the purpose of assessing my application for credit, I consent to the Credit Union obtaining a report containing information about my commercial activities or commercial credit worthiness, from a business which provides information about the commercial credit worthiness of persons. 5. Disclosure of Information necessary for Funding Mortgage Credit by Securitisation (Section 18N(1) (bg) (ga) Privacy Act 1988) If the Credit Union proposes to arrange the funding for the credit I am applying for by means of an arrangement involving mortgage securitisation, I consent to the Credit Union disclosing any report or information about my credit worthiness, credit standing, credit history or credit capacity, whether in a written or other form to persons or bodies involved in funding mortgage credit by way of securitisation, directly or indirectly through other persons or bodies so involved, in order to enable those persons or bodies to perform tasks which are necessary in the funding and management of the mortgage credit by such means. 6. Access to Consumer Credit Information for a Commercial Application (Section 18K(1)(b) Privacy Act 1988) If my application is for commercial credit, I consent to the Credit Union, in order to assess my application, obtaining from a credit reporting agency a credit report about me, containing consumer credit information. 7. Access to Consumer Credit Information by Trade Insurers (Section 18K(1)(e) Privacy Act 1988) If my application is for commercial credit, I consent to a trade insurer obtaining a credit report about me containing consumer credit information in order to assess whether to insure the credit provider for the credit given to me, or the risk of providing insurance, or to assess the risk of a default by me on this credit.