CREDIT GUIDE For JACARANDA FINANCE PTY LTD

As an intending borrower, herewith the Jacaranda Finance Credit Guide, which must be provided to you in writing in accordance with Section 126 of the National Consumer Credit Protection Act 2009.

Licensee’s details:

Jacaranda Finance Pty Ltd ACN 162 078 195

46 Douglas Street, Milton QLD 4064

PO Box 370, Indooroopilly QLD 4068

Ph: 1300 189 823

Email: info@jacarandafinace.com.au

Australian Credit License Number: 456 404

Licensee’s procedure for resolving disputes:

In the event of any complaint, dispute or hardship issue, please first contact our Internal Dispute Resolution department on the contact details below. All disputes or hardship complaints to our IDR department are treated seriously and promptly and this service is offered at no charge to you.

Internal Dispute Resolution Contact Details:

Dispute Resolution Manager, PO Box 370, Indooroopilly QLD 4068; Ph: 1300 189 823; Email: info@jacarandafinace.com.au

External Dispute Resolution procedure:

In the unlikely event that your complaint or dispute is not settled with our IDR department to your satisfaction, you may then contact our External Dispute Resolution organisation as set out below.

External Dispute Resolution (EDR) Contact Details:

Credit and Investment Ombudsmen (CIO) in Sydney by phone on 1800 138 422, fax on 02 9273 8440, in writing to PO Box A252, Sydney South, NSW 1235 or through their website: www.cio.org.au

A copy of our final assessment of your loan application is available for you on your request (in accordance with Section 132, National Consumer Credit Protection Act 2009). This will be provided at no charge to you.

Recommendation of contract unsuitability details:

• Under Sections 128 and 129 of the National Consumer Credit Protection Act 2009, we are obliged to assess if the credit contract you seek is not unsuitable.
• Under Section 131, we are obliged to advise you if we cannot participate in the arrangement of a loan for you, if that loan would be unsuitable, “unsuitability” being assessed on the following:

1. a) Whether or not you will be able to comply with the financial obligations under the contract without substantial hardship, if at all;
2. b) Whether or not the contract will meet your requirements and objectives;
3. c) Whether or not the contract meets requirements imposed by regulation, as amended from time to time;
4. d) It involves us, as a credit provider, making enquiries about your financial circumstances;
5. e) According to whether or not we believe the information to be true.

This process involves us, as a credit provider, making enquiries about your financial circumstances and assessing whether or not the information available is accurate.

Fees and Charges

Our loans are governed by the NCCP Act. Our loans are classed as small amount credit contracts and the maximum fee’s we can charge are a 20% establishment fee and a 4% monthly fee – applied to the principal (adjusted credit amount) we give you. Should the contract need to be amended or if the contract is breached by you, additional fees may be incurred.

A full list of fees and charges can be found on the Loan Contract.

Privacy

Under the Commonwealth Privacy Act 1988 (as amended), including Sections 6N, 18E and 21C, Jacaranda Finance is encouraged to collect more information concerning consumers, their credit history and current circumstances than ever before. If you proceed with your loan application, please read carefully, the Jacaranda Finance Privacy Policy and the contract documents which Jacaranda Finance will give you.

Should you successfully proceed with your loan application and there is ever an issue concerning privacy, please request a copy of Jacaranda Finance Credit Information (Privacy) Management Policy. This policy details your rights and the procedures to be followed to address your concerns.

General Advice

If you proceed with your loan application, you will be provided with extensive documentation. Please do not get annoyed with Jacaranda Finance. The Federal Government, fully supported by the Opposition, has made several laws and regulation insisting on all this documentation.

When you receive the documentation, please remember that the Government and the Opposition expect you to read every word and ask all questions you might have of Jacaranda Finance, to ensure you fully understand what all the documents say and mean.

When you sign your contract – it will be legally stated and assumed by Jacaranda Finance that you have read everything and that you will have completely understood everything.

If you do not, please do not sign the contract offered. Once you sign the contract, it is legally binding on you.