I/We acknowledge that I/we have made an application for credit from Naruli Finance and Investments. Naruli Finance and Investments 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 Naruli Finance and Investments Solutions, 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 Naruli Finance and Investments 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;
• reinsurers;
• 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; and
• other financial institutions, securitisers and credit providers.

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 and associated entities (acting individually or together):

121 Farm Finance Pty Ltd	ABN:	69 089 374 309	AMP Bank Ltd	ABN:	15 081 596 009
Level 2, 333 George St Sydney NSW 2000	PH:	1300 305 121	Level 9/20 Hunter St Sydney NSW 2000	PH:	13 30 30
Adelaide Bank Limited	ABN:	54 061 461 550	Maxis Loans	ABN:	79 005 964 134
169 Pirie St Adelaide SA 5000	PH:	13 22 20	Level 13, 44 Market St Sydney NSW 2000	PH:	13 19 15
Australia & New Zealand Banking Group	ABN:	11 005 357 522	Bank of South Australia	ABN:	92 055 513 070
20 Martin Place Sydney NSW 2000	PH:	13 13 14	97 King William St Adelaide SA 5000	PH:	1800 088 212
Bank Of Queensland	ABN:	32 009 656 740	Bettaway Home Loans	ABN:	43 094 224 834
229 Elizabeth St Brisbane QLD	PH:	1300 557 272	Level 2/ 34 MacMahon St Hurstville	PH:	02 9580 9022
Bank of Western Australia Ltd	ABN:	22 050 494 454	CBA/Colonial	ABN:	48 123 123 124
108 St George Terrace Perth WA	PH:	13 17 19	48 Martin Place Sydney NSW 2000	PH:	13 24 97
Bluestone Group Pty Ltd	ABN:	20 091 201 357	Domain Financial Services Pty Ltd	ABN:	43 078 713 345
Level 8, 80 Clarence St, Sydney NSW 2000	PH:	13 25 83	Level 1/12 Central Rd, Miranda, NSW	PH:	02 9525 0044
Citibank	ABN:	88 004 325 080	Home Loans Ltd	ABN:	55 095 034 003
2 Park St Sydney NSW 2000	PH:	13 24 84	Level 11, 185 Macquarie St Sydney 2000	PH:	13 38 39
Eurofinance Corporation Pty Ltd	ABN:	86 059 732 419	Homeside Lending	ABN:	12 004 044 937
Level 10 19-31 Pitt Street Sydney NSW 2000	PH:	02 9252 8311	500 Bourke St Melbourne VIC 3000	PH:	13 22 18
Heritage Building Society	ABN:	32 087 652 024	Integris	ABN:	99 052 209 766
400 Ruthven St Toowoomba QLD	PH:	13 14 22	51 Druitt St Sydney NSW 2000	PH:	02 9333 7613
HSBC Bank Australia Pty Ltd	ABN:	48 006 434 162	ING Bank (Australia) Limited	ABN:	24 000 893 292
GPO Box 5302 Sydney NSW 2000	PH:	1300 308 880	140 Sussex St Sydney NSW 2000	PH:	13 16 88
IMB	ABN:	92 087 651 974	Liberty Funding Pty Ltd	ABN:	25 081 982 872
253 Crown St Wollongong NSW	PH:	02 4227 9111	Level 27/9 Castlereagh St Sydney 2000	PH:	03 8635 8888
Interstar	ABN:	72 087 271 109	Mortgage House of Australia	ABN:	98 081 508 054
Level 28, 367 Collins Street, Melbourne 3000	PH:	03 9612 1111	9-13 Argyle St Parrammatta NSW	PH:	13 31 44
Macquarie Mortgages Pty Ltd	ABN:	23 057 760 175	National Australia Bank	ABN:	12 004 044 937
Level 22, 20 Bond St Sydney NSW 2000	PH:	1300 133 470	500 Bourke St Melbourne VIC 3000	PH:	03 8641 3500
Paramount Mortgage Services	ABN:	33 094 906 83	Pepper Finance Corporation Pty Ltd	ABN:	86 092 110 079
71 Dunmore St Wentworthville NSW 2145	PH:	02 9631 7400	Level 10, 132 Arthur St, Nth Sydney 2060	PH:	1800 229 722
RAMS Mortgage Corporation Limited	ABN:	48 065 912 932	St George Bank	ABN:	92 055 513 070
44 Bay St Ultimo NSW 2007	PH:	13 72 67	4-16 Montgomery St Kogarah NSW	PH:	13 35 55
Suncorp Metway Ltd	ABN:	66 010 831 722	Westpac/Bank of Melbourne/Challenge	ABN:	33 007 457 141
Level 14, Albert St Brisbane QLD	PH:	07 3362 2833	60 Martin Pl Sydney NSW 2000	PH:	13 20 32

2. In this Notice, the "Insurer" means each and every one of the following organisations (whether acting individually or together):

GE Mortgage Insurance Pty Ltd			GE Capital Mortgage Insurance Corporation (Australia) P/L
ABN: 61 071 466 334			ABN: 52 081 488 440
Address:	Level 23,259 George Street, Sydney 2000		Address:	Level 23,259 George Street, Sydney 2000
Telephone:	02 9247 8677		Telephone:	02 9247 8677
PMI Mortgage Insurance Limited			Royal & Sun Alliance Lenders Mortgage Insurance
ABN: 70 000 511 071			ABN: 48 005 297 807
Address:	Level 23,50 Bridge Street, Sydney 2000		Address:	Level 5, 465 Victoria Avenue, Chatswood 2065
Telephone:	02 9231 7777		Telephone:	02 9978 9000

DIRECT MARKETING OFFERS AND INFORMATION

The details you give us may be used to inform you about any special offers we think will be of interest to you, and to update you on new products and services or changes to our website. We may also send you details of offers or services provided by our business partners and related Naruli Finance and Investments entities. You may at any time choose not to receive these communications. Doing so will not cost you anything, and we will aim to ensure you stop receiving any unwanted communications as soon as possible.

COMMISSION DISCLOSURE

Naruli Finance and Investments arranges loans for borrowers. In providing these services Naruli Finance and Investments is an independent contractor.

You acknowledge that we may be paid a commission by funders, managers, product suppliers or other people with whom we do business. We also may pay referral fees or commissions to people who referred you to us. No commission is payable by you.

In respect of most loans, we may be paid an upfront commission, which is a percentage of your loan amount, and a trail commission, which is a percentage of the on-going loan balance. In respect of other products and services we may be paid a commission, which may consist of an initial commission plus an ongoing commission calculated by reference to the loan or product amount. It is not practical at the date of this disclosure to specify the exact amount of commission payable.

Naruli Finance and Investments is a member of the Mortgage Industry Association of Australasia, the peak body for mortgage intermediaries. We and any of our representatives will comply with the Code of Practice binding on its members. We will use our experience to present to you products that we consider are suitable for your requirements, but the final choice to acquire any of those products is yours.

SIGNATURE ( 1 )

SIGNATURE ( 2 )

DATE

COMPARISON RATE DISCLOSURE ACKNOWLEDGEMENT

I/we acknowledge that the meaning and importance of comparison rates has been explained to me/us. I also agree that comparison rates were disclosed for all products compared and presented to myself/ourselves by the Naruli Finance and Investments Solutions Lending Specialist. I/we acknowledge that I/we have been given a printed copy of the comparison rate schedule for the loan product/s we have chosen to complete a full application for.

SIGNATURE ( 1 )

SIGNATURE ( 2 )

DATE

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 )

SIGNATURE ( 2 )

DATE

SIGNATURE ( 1 )

SIGNATURE ( 2 )

DATE

SIGNATURE ( 1 )

SIGNATURE ( 2 )

DATE

SIGNATURE ( 1 )

SIGNATURE ( 2 )

DATE