credit contract - royal commission...sun.1101.0010.0043 borrower information table (continued)...

SUN.1101.0010.0041

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CREDIT CONTRACT

RETAIL SMALL BUSINESS

• Asset Line • Small Business Overdraft

• Access Equity • Small Business Line Of Credit

• Professional Asset Line

• Personal Overdraft

Name of Borrower/s: #2

Account Number:

1. Disclosure Date

2. Credit Limit

#1#1 CONTRACT Borrower Information Table

#4

Address of Borrower/s: #3

State: Queensland

3. Borrower/s payment to the Bank towards Credit Fees and Charges in Item 4 (below) payable before Settlement.

4. Credit Fees and Charges financed by the Credit Contract and payable to the Bank when the Credit Limit is established 4(a) Credit Fees and Charges payable to the Bank in respect of

payments to various Government Departments #9#9 #10#10 #12#12 #14#14

4(b) Credit Fees and Charges payable to the Bank in respect of payments to various Third Parties #20#20 #21#21 #23#23 #25#25

4(c) Other retained Credit Fees and Charges payable to the Bank #27#27 #28#28

#30#36 #39.1#39.1 #39.2#42 #46#46

#48#54 #57#57

#59#61.03

5. Other ascertainable credit fees and charges

#31

#37

#39.5

#43

#49

#55

#60

#61.06

Loan Finalisation #61.1 #61.1#61.2#61.6

SUN.1101.0010.0042

#6

#7

#8

#11 #13 #15

#22 #24 #26

#29 #33 #35 #39

#39.6 #39.4

#41 #45 #47 #51 #53 #56 #58 #61

#61.02 #61.07

>#61.01

#61.3

$61.5

>#61.4

Page 1

SUN.1101.0010.0043

Borrower Information Table (continued)

Account No: #4

6. #62#62 Limit

7. Additional Credit Fees and Charges payable to the Bank (if applicable)

Arrears In the event of default in payment, an Arrears Administration Fee is #65 Administration payable (provided that Default Interest is not charged). The Arrears Fee Administration Fee may be debited to the Borrower's Account on the

Interest Cycle Date in any month in which the default charge has accrued.

#66#66 Keeping Fee the Facility Limit was first established.

#67#69.1 #69.2#69.3 #69.4#69.5

>#69

#71 #71 Package Fee the annual anniversary of the date the Credit Limit was first established.

#72#72.2

Page 2

Account No: #4

#74#77 your Facility Limit was first established.

A Payment Honour Fee is payable on each day there is a transaction $10.00 initiated by you debited to your Facility Account that results in the balance of your account being or remaining in excess of your Facility Limit.

#78#78

#78.3#84

$3.00

Page 3

Account No: #4

Copy Fees

Copy of Documents Fee

Excess Cheque Fee

8. Annual Percentage Rate


Payable when you request a copy of any document: Copy of a Document, each copy

- Copy of previous correspondence, each copy

Payable if the Bank is required to obtain a copy of a document, including a mortgage or title search.

SUN.1101.0010.0045

#84.2#8 4.2

#84.3#8 4.3

#84.4#8 4.4

The first 4 bank cheques requested per loan application* are free. An extra 5 free bank cheques are available for progress payments on construction loans. Thereafter, the fee is payable for each bank cheque requested. #84.6#91 .

Page 4

SUN.1101.0010.0046


Account No: #4

Details of the current annual percentage rates are available by phoning the Bank on 13 11 55 or by checking the Bank's website at www.suncorp.com.au.banking

9. Repayments The Facility is repayable on demand. You must repay all or any part of the Facility immediately upon a demand being made by the Bank.

Other than on demand, you are not required to make repayments unless you exceed your Facility Limit.

You may elect to repay all or any part of the Facility at any time.

Page 5


Account No: #4

10.0ther fees which are not Credit Fees and Charges

Other fees may apply to the Facility Account whether or not credit is provided. Details of the other fees are set out in the Lending Fees and Charges booklet which is attached.

11. Default Interest

SUN.1101.0010.0047

Default Interest calculated at the Default Rate may be payable in addition to Interest Charges under this Offer of Facility Limit.

The Default Rate is the Bank's #85.1#85.1 Default Rate (currently #92 per annum). The Default Rate will be charged on the amount in default for the period the default continues (provided that an Arrears Administration Fee is not charged).

Details of the current Default Rate is available by phoning the Bank on 13 11 55.>#85

The Annual Percentage Rate and Credit Fees and Charges may change including the amount and frequency and new Fees and Charges may also be charged without your consent.

Page 6

SUN.1101.0010.0048


Account No: #4

12. Commission

A commission #99#99 payable by the Bank for the introduction of credit business or business financed by the #101#101 Credit Contract as follows:

#102#102 #103#103 #103.5< Bonus commission of #103.6#103.6 #103.8#103.8 is also payable to #103.1 if Settlement occurs before #103.9>#103.5

13. Name of Credit Provider

SUNCORP-METWAY Ltd ABN 66 010 831 722 Australian Credit Licence 229882 Level 28, Brisbane Square, 266 George Street Brisbane Old 4000 ("the Bank")

14. Details of Security

#105.1

SUN.1101.0010.0049


Account No: #4

#117#117

#118< #118.1#118.1 Registered Mortgage given by #118.2 over Water Share ID #118.3< No. #118.4>#118.3 being #118.5 ML #118.6< High-Reliability Water Share>#118.6 #118. 7#118.7 Murray River Water #118.8118.8 .>#118

#118.10#118.13, being #118.15 ML High-Reliability Water Share and Water Share ID No. #118.16, being #118.17 ML Low-Reliability Water Share Murray River Water#118.18< (formerly known as part of Service ID No #118.19)>#118.18.>#118.10

#119#119

#120#120

#121#121

#122#122

#123#123

#124#124

#125#125

#126#126

#127#127

#128#128

#129#129

#130#130

#131

SUN.1101.0010.0050


Account No: #4

Licensed Victuallers Licence No. #131.5.4>#131.5.3>#131.5#131.6#131.6#131.7.>#131

#131.8

SUN.1101.0010.0051


Account No: #4

#137#137

#138#138

#139#139

#139.1 #139.1

ACCOUNT SECURITY

To the fullest extent permitted by law, where it is reasonably necessary to protect the Bank's Legitimate Interests, the Bank may: (a) combine, consolidate or merge the Facility with or against; or (b) set-off the Facility with or against; or (c) freeze;

any of the following items: (a) all or any part of any account or deposit of funds; or (b) other arrangements under which the Bank may be indebted to you or any Mortgagor or Guarantor.

The Bank may exercise these rights even though: (a) you are, or the Mortgagor or Guarantor is, acting as trustee in holding the account, deposit of funds or other

arrangements; or (b) the account, deposit funds, or other arrangement has not matured in any manner;

The Bank is authorised where it is reasonably necessary to protect the Bank's Legitimate Interests, to: (a) unilaterally vary the terms and conditions of any account, deposit of funds or other arrangements including

acceleration of its maturity; (b) debit, set off and charge any account with the whole or any part of the Facility; and (c) not take account of any credit balance of any account; despite any conditions to the contrary in respect of the account, deposit of funds or other arrangements.

You agree that: (a) the Bank may exercise these rights without notice to any person unless required to do so by mandatory

operation of law; and (b) provisions of this clause shall not operate so as to affect or limit in any way any other rights, powers or

remedies available to it, (including any Banker's right to combine accounts or a lien or charge arising by operation of law or by custom.)

Page 10

SUN.1101.0010.0052


Account No: #4

15. Special Conditions

#140#140

All packages have a special condition - are there any

• #140.1#140.1

• #140.2#140.2

• #141.1 #141.1

• #141.2

SUN.1101.0010.0053


Account No: #4

The Bank may change the terms and conditions that apply to the Small Business Money Manager Package from time to time. You will be given the notice required by law of any changes which apply to your facilities. You can obtain another copy of the Small Business Money Manager Package Terms and Conditions by phoning 13 11 55.>#141.2

• #141.3#141.3

• #141.4#141.4

>#142

#142.1#142.1

#142.3#142.3

#143 -#192 REFER REUSABLE OBJECT DOCUMENT FOR SPECIAL CONDITIONS "D" CLAUSES -

"DOCUMENTARY CONDITIONS - FOR HOME LOANS and PERSONAL LOANS"

Page 12

SUN.1101.0010.0054


Account No: #4

#193#193

#194#194

#195#195

#196

SUN.1101.0010.0055


Account No: #4

The Borrower and/or Guarantor by signing the Disbursement Authority and Acknowledgement undertake in favour of the Bank as follows:

1. to supply the Bank as soon as possible with a copy of any notice, requisition, order or document received from the Department of Natural Resources, supply authority or any other authority that relates to any Water Entitlement over which the Bank is taking or has taken security; and

2. not, without the prior written consent of the Bank (which will not be unreasonably withheld), to take any action or omit to take any required action that as a consequence would, in the Bank's reasonable opinion, be detrimental to the security it has taken over the Water Entitlement.>#199

• #200

Offer of Facility Limit

1. Offer

The meanings of important words used in this document are set out at the end of this Credit Contract under the heading "Definitions."

The Bank offers you the Facility Limit on the terms and conditions set out in this Credit Contract.

The provisions of the Securities (if applicable) are incorporated into the Credit Contract with necessary changes.

This Offer of Facility Limit supersedes and revokes any previous offer made by the Bank to you for the Facility.

This Offer of Facility Limit may only be accepted by you and each Guarantor (if any) signing and returning the Disbursement Authority and Acknowledgement Form to the Bank and/or by you accessing or drawing down the whole or any part of the Facility.

2. Calculation of Interest Charges

You must pay to the Bank interest calculated by applying the Daily Percentage Rate to the Unpaid Daily Balance of the Facility. Interest accrues daily at the daily percentage rate and shall be debited to your Facility Account in arrears, on the Interest Cycle Date.

If your Facility Account is to be closed, or if you are in default and the Bank issues a notice in respect thereof, accrued interest will be debited to your Facility Account.

Whenever interest is debited, the amount so debited does not include interest for the day of debiting.

The Bank may change the manner in which interest is calculated or applied under the Credit Contract as is reasonably necessary to protect the Bank's Legitimate Interests. You will be notified in writing of any such change at least 30 days before the change takes effect.

3. Changes affecting Interest

The Annual percentage rate and the Default Rate can be changed by the Bank at any time before or after you access the Facility. Details of the current Annual percentage rate and Default Rate applying to the Credit Contract can be obtained from the Bank by phoning 13 11 55.

You will be notified of any change in the Annual percentage rate or Default Rate by either:

SUN.1101.0010.0056

(a) notice in a newspaper circulating throughout the State prior to the change taking effect. Particulars of the change will be advised to you in writing before, with or on the next statement after the change takes effect; or

(b) in writing not later than the day on which the change to the annual percentage rate takes effect.

4. Repayment

The Facility is repayable on demand. You must repay all or any part of the Facility immediately upon a demand being made by the Bank.

Other than on demand, you are not required to make repayments unless you exceed your Facility Limit.

You may elect to repay all or any part of the Facility at any time.

#202#202

If your Facility Account is closed, any amounts which would otherwise be debited to that account will still be payable by you to the Bank.

Repayment is to be made to an officer of the Bank at any store or office of the Bank.

5. Overdrawing

(a) You must not exceed your Facility Limit without prior written approval from the Bank.

(b) If you do exceed your Facility Limit without prior written approval from the Bank, the amount over the Facility Limit is payable immediately.

(c) A Payment Honour Fee is payable each day one or more transactions initiated by you are debited to your Facility Account and result in your Facility Limit being exceeded.

6. Application of Payment

Unless the law otherwise requires, the Bank may appropriate any payment of money as it reasonably thinks fit to protect the Bank's Legitimate Interests.

No cheque or other remittance received by the Bank shall be regarded as payment until cleared.

Page 15

7. Payment of Government Charges and Credit Fees and Charges

You must pay to the Bank any Government fees and charges, Credit Fees and Charges and other Bank fees and charges relating to the Facility immediately they are charged, paid, incurred or otherwise discharged by the Bank

You must pay any Government fees and charges that are payable for the renewal of the registration of any Security required to be registered under this Credit Contract (if applicable).

In accepting this Offer of Facility Limit, you authorise the debiting of all Credit Fees and Charges in respect of this Credit Contract, and unless the contrary is specified in this Credit Contract you will be notified in writing of the debiting of such charges.

8. GST and Setoff

You agree, notwithstanding any other provision in the Credit Contract, to the fullest extent permitted by law:

(a) to indemnify the Bank against:

(i) any GST liability the Bank or others pay or reimburse as a consequence of any action taken to enforce the Credit Contract or Security; and

(ii) any loss the Bank incurs by reason of any GST being payable by the Bank on a Supply under the Credit Contract or Security which is not recovered under (b)or(c).

(b) that any amount payable to the Bank for a Supply by the Bank under the Credit Contract or Security will be increased by any applicable GST payable by the Bank (where necessary) but after allowance for any reduction required for by law;

(c) if you are required to reimburse the Bank for any amount the Bank has paid to a third party, that amount will be reduced by the tax credits available to the Bank before increasing that amount for any applicable GST;

(d) that any amount payable by you will take into account all monies the Bank is by law required to credit back to you;

SUN.1101.0010.0057

(e) you agree not to deduct anything from any moneys payable under the Credit Contract or any Security. This means that you can not deduct anything that you claim the Bank owes or could in the future owe you;

(f) the Securities shall also secure any amount payable by you pursuant to the Credit Contract;

(g) that your account with the Bank may only be credited with the net amount of any sum received by the Bank after reduction by any GST payable by the Bank or others in accordance with this clause;

(h) should there be a dispute between you and the Bank as to any amounts payable under this clause then the Bank may appoint another person in good faith as an expert to determine the correct amount;

(i) should the Bank be part of a GST group, you agree that this clause will apply as if GST applied to the Bank and the Bank was entitled to any tax credits.

9. Changes affecting Credit Fees and Charges and Default Charges

The Bank can change the Credit Fees and Charges and Default Charges and may impose new Credit Fees and Charges and can vary the frequency with which such Credit Fees and Charges are to be paid at any time, where it is reasonably necessary to comply with the law or any applicable code or to protect the Bank's Legitimate Interests.

You will be notified of the introduction of any new Credit Fees and Charges in writing no later than 30 days before any change takes effect.

You will be notified of any change in the amount of Credit Fees and Charges, other Bank fees and charges or Default Charges or a change in the frequency or time for payment of Credit Fees and Charges by either:

(a) notice in a newspaper circulating throughout the State no later than #204#204 days prior to the day on which the change takes place. Particulars of the change will be advised to you in writing before, with or on the next statement after the change takes effect; or

(b) in writing not later #204#204 days before a change takes effect.

Page 16

10. #208#208

11. #21 O#21 O

12. Statement of Account

A statement of account may be issued at least each month on the Interest Cycle Date or at an earlier date if the Bank wishes.

If there are any errors or unauthorised transactions on your statement, contact the Bank immediately.

The Bank may not issue a statement if it is not required to do so by law.

Page 17

13. Events of Default

If you are in any financial difficulty you should advise the Bank, promptly.

If any one of the events listed below occurs it is an Event of Default under this Credit Contract:

(a) failure by you to pay or repay the Facility in accordance with the terms and conditions of the Credit Contract; or

(b) the Unpaid Daily Balance exceeds your Facility Limit, without prior approval of the Bank; or

(c) failure by you or any Mortgagor or Guarantor to comply with any of the terms and conditions of the Credit Contract; or

(d) you, or any Mortgagor or Guarantor has provided incorrect, misleading or untrue information material to the Bank's decision to offer to you the Credit Contract; or

(e) an event of default occurring under any Security provided to the Bank under the Credit Contract; or

(f) You become insolvent; or

(g) You die or become incapable of managing your affairs; #211#212.1

#212.2< 1f there is an Event of Default the Facility shall become payable immediately.>#212.2

In addition, the Bank may exercise any other powers conferred on it by law or the Credit Contract.>#212

SUN.1101.0010.0059

15. Default Charge

A default charge will be payable by you if an Event of Default in payment occurs.

16. Calculation of Default Charges

The Bank will determine, having regard to its Legitimate Interests, whether the default charge will be calculated as Default Interest or an Arrears Administration Fee.

(a) Default Interest

Where Default Interest is charged it will be charged on the amount in default (the entire loan balance) for the period the default continues, in addition to the interest charged under clause 2. Default Interest shall accrue daily and shall be debited monthly in arrears on the Interest Cycle Date of each month in which that default charge has accrued, at the Default Rate referred to in the Table.

(b) Arrears Administration Fee

Where an Arrears Administration Fee is charged, the amount referred to in the Table will be charged each month that there is a default in payment.

The Arrears Administration Fee shall be debited to your Facility Account on the Interest Cycle Date of each month in which the default charge has accrued.

Where the Facility is repaid, any accrued default charge may be debited on the day the Facility is repaid.

17. Enforcement Expenses

Enforcement expenses may become payable under this Credit Contract, if an Event of Default occurs. Any enforcement expense which the Bank reasonably incurs or expends in enforcing the Credit Contract, including all legal costs and reasonable expenses incurred by the use of the Bank's staff and facilities, will be debited to the Account after the day on which the enforcement expense is incurred. You will be notified in writing of any enforcement expense on the next statement, after the enforcement expense is incurred and you agree to pay those enforcement expenses immediately on the date of debiting to the Account.

18. Changes to the Credit Contract

The terms and conditions of this Credit Contract may not be changed unless agreed to in writing by the Bank.

Page 18

A fee is payable at the time you request a change to the Credit Contract or the Bank's consent to a change or dealing affecting the existing Security.

The Bank will provide written particulars of the changed terms and conditions of this Credit Contract as required by law.

The Bank may change any term or condition that applies to your Facility. Except where a right for the Bank to make such a change is provided for elsewhere in this Credit Contract, the Bank will only make such changes where it is necessary to comply with the law or any applicable code or is reasonably necessary to protect the Bank's Legitimate Interests. You will be notified of any change to the terms and conditions in writing at least 30 days before the change takes effect, unless a shorter period of notice is specified in this Credit Contract or is permitted by law.

19. Adjustments

You agree that your Account may be adjusted by the Bank from time to time#213< as permitted by the National Credit Code>#213,#213.1

26. Withdrawal of Offer

The Bank reserves the right to change this offer at any time before you accept it or withdraw this offer where material circumstances or facts arise which are prejudicial to the Bank, or if you have not accepted the Facility within #214.2#214.2 #214.1#214.1 .

27. Review of Facility

The Facility is subject to review by the Bank at any time as may be reasonably necessary to protect its Legitimate Interests. A review will be made at least annually. The review will include a review of the Bank's exposure in respect of the Facility having regard to the value of any Security, the conduct of the Facility and your financial position and that of any Guarantor.

You must provide the Bank with any financial statements and other documents reasonably required by the Bank, when requested.

Following a review, the Bank may, where it is reasonably necessary to protect the Bank's Legitimate Interests, invoke any of the rights available to it under this agreement.

For example, should information come to light as a result of a review which indicates that there is an Event of Default, the Bank may trigger an Event of Default under this agreement

28. Where the Borrower is a Company

If the Borrower is a Company, the Borrower must not change:

(a) the ownership of shares; (b) the Directors; (c) the capital and major assets of the Company; (d) the Memorandum and Articles of Association; (e) the number of issued shares;

unless the Bank agrees in writing.

29. Where the Borrower is a Trustee

If you enter into the Credit Contract as Trustee,

(a) you warrant and agree:

(i) that the Credit Contract is binding on you personally and in your capacity as Trustee;

(ii) that you are the sole Trustee of the Trust;

(iii) full particulars of the terms of the Trust, including an accurate and up-to-date copy of the Trust Deed, have been given to the Bank;

SUN.1101.0010.0061

(iv) you have the power under the Trust Deed to enter into and perform your obligations under the Credit Contract;

(v) all transactions including the Credit Contract are or will be entered into as part of the proper administration of the Trust and are or will be for the benefit of the beneficiaries or unit holders (where applicable);

(vi) you will perform and observe all of your duties as Trustee and that you are not in default under the Trust Deed; and

(vii)you have the right to be fully indemnified out of the Trust Fund;

(b) unless agreed to in writing by the Bank you warrant and agree that:

(i) the Trust Deed will not be altered;

(ii) you will not retire as Trustee;

(iii) You will not distribute, resettle, transfer or assign the capital of the Trust;

(iv) you will not change the financial position of the Trust.

30. Lenders Mortgage Insurance (if applicable)

Lenders Mortgage Insurance protects the Lender and not you as the Borrower. If you default on your Mortgage, resulting in a need to sell the Security property and the sale proceeds are insufficient to fully repay your Loan, the Bank may incur a loss.

The Bank may recover this loss under the Bank's Lenders Mortgage Insurance policy.

However, you are still legally responsible for repaying the insurer, the amount outstanding under the Mortgage because you are not protected by the Lenders Mortgage Insurance.

#214.3< 31. Changes to the Loan if you are a Small Business

Notwithstanding any other provision of this Credit Contract to the contrary, if:

(a) you are a Small Business; and

(b) the Bank makes a variation (other than a Specified Variation) to only the terms and conditions of this Credit Contract (and not to the terms and conditions of the credit facilities of other Small Business customers), and the Bank reasonably considers the variation will be materially adverse to you,

Page 20

the Bank will give you a reasonable period of notice (not less than 10 business days) in writing of that variation, unless the Bank considers a shorter notice period is necessary for the Bank to avoid or reduce an increase in the credit risk to the Bank.>#214.3

32. Definitions

Unless repugnant to the context, words in this Credit Contract have the following meanings:

"Annual percentage rate" means the interest rate specified as such in this Credit Contract as applicable to this Facility from time to time.

"Arrears Administration fee" means a fee which covers the administration costs as a result of a default in payment, but does not include enforcement or recovery costs or expenses.

"the Bank" means SUNCORP-METWAY Ltd ABN 66 010 831 722 Australian Credit Licence 229882, its successors and assigns.

"Borrower" means the borrowers named in the Table, individually and collectively and their successors and assigns.

"Business Day" means a day other than Saturday, Sunday, or a public holiday that the Bank is open for business in the State.

#214.4#214.4

"Card" means any transaction card issued by the Bank.

"Credit Contract" means this credit contract made up of the Table and Offer of Facility Limit and the Terms and Conditions for Continuing Credit Accounts booklet issued by the Bank.

"Credit Fees and Charges" means fees and charges payable in connection with the Facility, but does not include: - interest; - government charges and duties on receipts or

withdrawals; - enforcement expenses; or - fees payable whether or not credit is provided,

where credit and debit facilities are available.

SUN.1101.0010.0062

"Daily Percentage Rate" means the annual percentage rate specified in the Table divided by 365.

#21 S#215

"Default Charge" means a charge that applies in an Event of Default in payment occurs.

"Default Interest" means the interest calculated at the Default Rate referred to in the Table on the amount in Default.

"Disclosure Date" means the date specified as the Disclosure Date in the Table.

"drawing down", "drawn", "drawn down" means obtaining credit by accessing all or any part of the Facility.

"End of the Day" means the time each day after all transactions for that day have been posted to the Facility Account but before interest is calculated and accrued.

"Event of Default" means any one of the events referred to in this Offer of Facility Limit under the heading "Events of Default".

#218

"Interest Cycle Date" means the monthly anniversary of the day your Account was first opened. If in a month there is no day corresponding to the monthly anniversary, interest will be debited on the last day of the month.

"Interest Charges" means interest charges calculated under clause 2 of the Offer of Facility Limit.

"Legitimate Interests" includes the Bank's legitimate business needs, prudential requirements and/or security requirements (including any reasonable response to material changes to the Bank's business or systems).

"month" means calendar month.

"National Credit Code" means the 'National Credit Code' contained in Schedule 1 of the National Consumer Credit Protection Act 2009 or any other credit legislation that applies to this Offer of Loan.

"PPSR" means the personal properties securities register administered by the Insolvency Trustee of Australia.

#219#219

#220#220

#221#221

"Quarterly" means a period of 3 consecutive calendar months.

"Registration Fees" means Government fees and charges for registration of interests in vehicles or other goods or land, and/or Government fees and charges of a similar nature including but not limited to fees charged for requ isitions.

"Security" or "Securities" means any Mortgage, Guarantee, agreement, instrument or other document specified in the Table or required to be given by you or any Mortgagor or Guarantor in favour of the Bank to secure the Facility.

"Settlement" means the first day the Facility is drawn down.

SUN.1101.0010.0063

#221.1 #221.1

#222#222

#222.1 #222.1

"State" means the State or Territory specified in this Offer of Facility Limit.

"Stamp Duty" means government mortgage charges, mortgage duty, loan security duty, duty on receipts or transactions and Government fees and charges of a similar nature.

"Stamps Office" means the government body empowered to collect Stamp Duty.

#223#223

"Supply" shall have the same meaning in this Offer of Facility Limit as it has in the law imposing the GST

"Table" means the Borrower Information Table attached to and forming part of the Credit Contract.

"Titles Office" means the government body responsible for recording and registering interests in land.

Page 22

"Total Borrowed" means the Credit Limit as disclosed in Item 2 of the Borrower Information Table plus the amount of the increase.

"Unpaid Daily Balance" means the balance of the Facility Account at the End of the Day.

"Variation" means any change made to the Credit Contract at your request.

"you/your" means the Borrower.

A reference to a person includes a corporation whether incorporated or not.

Singular includes the plural and vice versa.

Words importing one gender include all other genders.

If there is any inconsistency between the Securities and the Credit Contract, the Credit Contract shall to the extent of such inconsistency prevail.

A reference to any government department or other body includes any other body empowered to perform the relevant duties.

A reference to any law includes any ordinance, regulation, rule or by-law made under or pursuant to such law and all changes, amendments, consolidations or substitutions of that law from time to time.

#224#224

32. Offer

The above offer is made by;

SUNCORP-METWAY Ltd

#225

Signature

_!_! __

Date

SUN.1101.0010.0064

Page 23

SUN.1101.0010.0065

Document NJa1me - Credi~t Contract fConUnui1ng Crredi~t) NEW LIJMIJT

Business Rule: Required when documenting a New Continuing Credit Facility Limit (Asset Line, Access Equity, Overdraft and Line of Credit) for both Retail and Small Business.

Number of Copies: 1 - File Copy 1 - per Borrower 1 - per Guarantor

Where reference to 'Full Names' appears in Business rule for either Borrower/s or Guarantor's - Refer to examples following for format details:

• Individual - single

John Andrew Brown

• Individuals - Multiple: place a comma between each individual name until the last name which has 'and' before the name. (exception #2 Borrower's listed on separate line) John Andrew Brown and Julie Sylvia Brown John Andrew Brown, Julie Sylvia Brown and Charlie Brown

• Individual as Trustee - single John Andrew Brown as trustee for the Brown Family Trust

• Individuals as Trustees - Multiple: place a comma between each individual as trustee name until the last name which has 'and' before the name (exception #2 Borrower's listed on separate line) John Andrew Brown as trustee for the Brown Family Trust and Julie Sylvia Brown as trustee for the Brown Family Trust

John Andrew Brown as trustee for the Brown Family Trust, Julie Sylvia Brown as trustee for the Brown Family Trust and Charlie Brown as trustee for the Brown Family Trust

• Company - single ABC Pty Ltd ACN 123 456 789 DEF Managed Investment Fund Pty Ltd ARSN 88 333 444 789 Merrygoround Enterprises Ltd ARBN 55 444 888 999

• Companys - multiple - place a comma between each company name until the last name which has 'and' before the name (exception #2 Borrower's listed on separate line) ABC Pty Ltd ACN 123 456 789 and DEF Pty Ltd ABN 88 333 444 789

ABC Pty Ltd ACN 123 456 789, DEF Pty Ltd ABN 88 333 444 789 and Merrygoround Enterprises Ltd ARBN 55 444 888 999

• Company as Trustee - individual ABC Pty Ltd ACN 123 456 789 as trustee for the Enterprise Unit Trust DEF Pty Ltd ABN 88 333 444 789 as trustee for the Deep Blue Sea Trust Merrygoround Enterprises Ltd ARBN 55 444 888 999 as trustee for the Musical Theatre Discretionary Trust

• Company/s as Trustees - place a comma between each company and trustee name until the last name which has 'and'

ABC Pty Ltd ACN 123 456 789 as trustee for the Enterprise Unit Trust, DEF Pty Ltd ABN 88 333 444 789 as trustee for the Deep Blue Sea Trust and Merrygoround Enterprises Ltd ARBN 55 444 888 999 as trustee for the Musical Theatre Discretionary Trust

• Incorporated Association/s or Co-operatives

Welcome Sporting Club Limited ABN 11 333 888 777

• Individual and Company John Andrew Brown and ABC Pty Ltd ACN 123 456 789

Page 24

SUN.1101.0010.0066

VARIABLE DESCRIPTION #1

REGULATED OR NON-REGULATED If Retail and Borrower IS NOT a Company AND If Small Business and Borrower IS NOT a Company And 'Is Loan 50% or more for residential investment purpose?"= YES

Then INSERT REGULATED

Else Insert NON-REGULATED

#2 All Borrower/s Full Names #3 All Borrower/s Address/es #4 Account Number #5 No lonQer required Disclosure Date #6 Disclosure Date

(Date that specifies all information within this Contract is true , correct and current) Credit Limit #7 Credit Limit ($)

Borrower/s payment to the Bank toward Credit Fees & Charges #8 Borrower's Contribution:-($) or "NIL" (if not appl icable or $0.00)

** Please Note** Where there is a Property Evaluation Fee which is Non-Financed (i.e. must be paid upfront) this fee must be included in the Borrower Contribution amount.)

Credit Fees And Charaes Pavable To Government Deoartments #9 Insert if #11 , #13, #15, #17 and #19 are ALL $0.00 #10 Insert if Stamp Duty is applicable(< $0.00) (all States) and Financed #11 Stamp Duty Amount ($) #12 Insert if ReQistration Fees to Titles Office is aoolicable (all States) (< $0.00) and Financed #13 Titles Office Fee ($) #14 Insert if Registration Fees to PPSR is applicable (all States)(< $0.00) and Financed #15 PPSR Fee ($) #16 Variable Not used #17 Variable Not used #18 Variable Not used #19 Variable Not used Pavable To Third Parties #20 Insert if #22 , #24,and #26 are ALL $0.00. #21 Insert if Solicitors Fees is is applicable (all States)(< $0.00) and Financed

(This fee is payable when external Solicitors have acted upon Suncorp Metway Ltd's behalf for Preparation of Mortgage Documentation, Attending Settlement, Registration of documents etc.)

#21.1 - Insert Name of Solicitor {can be only one solicitor} #22 Solicitors Fees ($) #23 Insert if Mortgage Insurance is< $0.00 and Financed

(This fee is payable for Retail Asset Lines, Access Equity and Professional Asset Lines Loans with a 'loan to valuation ratio' (LVR) of more than 80.0%.)

#23.1 Insert Mortgage Insurer Name #24 Mortgage Insurance Premium Amount ($) #25 Insert if Consent Service Fee is< $0.00 and Financed

(This fee may be payable when SML requires consent from another Financial Institution who has an interest in the property beinQ taken as security.)

#25.1 Insert name of person consent fee is payable to #26 Consent Service Fee ($) Other Retained Credit Fees and Charaes #27 Insert if #29, #33, #35, #39 , #41 . #45, #47, #51, #53, #56, #58 & #61 , #61.02, #61.07, #39.1 are all

$0.00.

Page 25

SUN.1101.0010.0067

VARIABLE DESCRIPTION #28 Insert if the Establishment Fee is> $0.00 and Financed

Fees: • Retail New Loan - $600.00 (with one facility) . • Low Doc and greater than 90% LVR - $990.00 - Grandfathered for new lending 1/9/2014 • Professional Ready Access - $0.00 • Small Business Loan

•if Loan Amount> $400k = $800.00 •If Loan Amount $0.00 #35 If no rebate, insert Property Evaluation Fee amount ($) #36 Insert if Property Evaluation Fee is rebated. #37 If rebated , insert Property Evaluation Fee Amount ($) #38 Insert Property Evaluation Rebate Amount($) #39 Insert Property Evaluation Actual Amount($) - ie. Fee less Rebate Amount #39.1 Insert if the Guarantor Fee is> $0.00 and Financed #39.6 If no rebate, insert Guarantor Fee amount ($) #39.2 Insert if Guarantor Fee is rebated #39.5 If rebated, insert Guarantor Fee Amount($$) - i.e. the TOTAL fee. #39.3 Insert Guarantor Fee Rebate Amount($$) #39.4 Insert Guarantor Fee Net Amount($$) (i.e. Total Fee less Rebate Amount) #40 Insert if the Switchina Fee is< $0.00 and Financed #41 If no rebate, insert Switching Fee amount ($) #42 Insert if Switching Fee is rebated #43 If rebated , insert Switching Fee Amount($$) - i.e. the TOTAL fee. #44 Insert Switching Fee Rebate Amount($$) #45 Insert Switching Fee Net Amount($$) (i.e. Total Fee less Rebate Amount) #46 Insert if the Variation Fee is < $0.00 and Financed #47 If no rebate, insert Variation Fee amount ($) #48 Insert if Variation Fee is rebated #49 If rebated, insert Variation Fee Amount($$) - i.e. the TOTAL fee. #50 Insert Variation Fee Rebate Amount($$) #51 Insert Variation Fee Net Amount($$) (i.e. Total Fee less Rebate Amount) #52 Insert if Retail New Loan and the Additional Valuation Fee is< $0.00 and Financed Fees:

If Retail New Loan and more than one valuation has been obtained - $220.00 per additional valuation eg if 3 valuations obtained then fee is calculated as $440.00 (2x$220)

#53 If no rebate, insert Additional Valuation Fee amount($) #54 Insert if Additional Valuation Fee is rebated #54.1 Insert Additional Valuation Fee Rebate Amount($$) #54.2 Insert Additional Valuation Fee Net Amount($$) (i.e. Total Fee less Rebate Amount) #55 If rebated, insert Additional Valuation Fee Amount($$) - i.e. the TOTAL fee. #56 If rebated, insert Additional Valuation Fee Net Amount ($$) (i.e. Total Fee less Rebate Amount) #57 Insert if Retail New Loan and Renegotiation Fee < $0.00 and financed Fees:

If Retail New Loan - $200.00 #58 If no rebate, insert Renegotiation Fee amount($) #59 Insert if Renegotiation Fee is rebated #59.1 Insert Renegotiation Fee Rebate Amount($$) #59.2 Insert Renegotiation Fee Net Amount($$) (i.e. Total Fee less Rebate Amount) #60 If rebated , insert Renegotiation Fee Amount($$) - i.e. the TOTAL fee #61 If rebated, insert Renegotiation Fee Net Amount($$) (i.e. Total Fee less Rebate Amount)

Page 26

SUN.1101.0010.0068

VARIABLE DESCRIPTION #61.01

Insert if Mandatory Account= Yes and Home Package Plus Upfront Fee [FeeCode = PKG] is entered

Templater Note: Sun Loans fee will be displayed as " Home Package Plus Fee" SOS Fee is called "Annual Package Fee" in data Reguirements Note: Fee cannot be Rebated (Home Package Plus Upfront Fee net fee = $375. 00 or $0. 00)

#61.02 If Fee is not waived insert Home Package Plus Fee Amount (currently $375.00) #61.03 If Fee is waived insert #61.04 Insert Home PackaQe Plus Fee Amount (currently $375.00) #61.05 If Fee is waived insert $0.00 #61.06 If Fee is waived insert Home Package Plus Fee Amount (currently $375.00) #61.07 If Fee is waived insert $0.00 OTHER ASCERTAINABLE CREDIT FEES & CHARGES

#61.1 Insert for Regulated Facilities #61.2 Insert for Non-Requlated Facilities #61.3 Insert Loan Finalisation fee Amount($) - currently $350.00 #61.4 Sun Loans and SAD

Insert if Package = Home Package Plus (PR02) and Mandatory Account= Yes

Templaters Note: New field required for SAD if Package selected= Home Package Plus display new droplist field titled "Mandatory Account" with options [select, Yes, No] validation required user must select either Yes or No. Sun Loans Ongoing Home Package Plus Fee will aooear as FeeCode = "APF" Annual Package Fee.

#61.5 If Fee is waived insert $0.00 Else insert Fee amount($) - currently $375.00 #61.6 If Fee is waived insert #61.7 Insert Home Package Plus Fee Amount (currently $375.00) #61.8 If Fee is waived insert $0.00

TOTALCREDITFEESANDCHARGES #62 Insert Table Row and Text for Regulated Facilities only: #63 SUN-Loans RSM Calculation of :

#11 Stamp Duty + #13 Titles Office Fees+ #15 ASIC Fee + #17 OFT Fee+ #19 REVS Fee+ #22 Solicitors Fees + #24 Lenders Mortgage Insurance #26 Consent Service Fee+ #29 or #33 Net Establishment Fee + #39.6 or #39.4 Net Guarantor Fee #35 or #39 Net Property Evaluation Fee + #41 or #45 Net Switching Fee+ #47 or #51 Net Variation Fee + #53 or #56 Net Additional Valuation Fee + #58 or #61 Net Renegotiation Fee+ #61.01 Home Package Plus Fee + #61.3 Loan Finalisation Fee #61.02 or #61.07 [Upfront] Home Package Plus Fee+ #61.3 Loan Finalisation Fee+ #61.5 [Ongoing] Home Package Plus Fee

Template Development Note (TEMPLA TERS ONLY): Loan Final isation Fee has not been included in calculation.

Additional Credit Fees And Charges #64 Variable Not used #65 Arrears Administration Fee ($) - currently $20.00 #66 Insert Table Row if Product is Asset Line (L 1, L2, L3 and L4) or Access Equity (LO, L9)

Page 27

SUN.1101.0010.0069

VARIABLE DESCRIPTION #67 Sun Loans:

Insert if Account Keeping Fee is rebated Applicable Fee Waiver Codes are: 50, 60, 65, 80,81 , 74, 83, 84, 85, 86or87

SAD - Insert if Package = Home Package Plus (PR02) #67.1 Account Keeping Fee ($) - currently $10.00 #68 • If any of the following is applicable, then insert "$0.00" :

~ The loan is a Package OR ~ The loan is staff (NOTE : For a loan to be identified as Staff : At least one Borrower or one Guarantor is noted as Staff. OR ~ If an applicable Fee Waiver Code has been entered (ie. 60, 65, 80, 81 , 74, 83, 84, 85, 86 or 87) NOTE: The Account Keeping Fee cannot be partially rebated. Can only rebate the full amount of the fee.

• If none of the above is applicable, then insert Account Keeping Fee Amount ($) - currently $10.00 #69 Insert if the loan is a Package #69.1 If Package Code= PR01 (My Home) THEN insert Clause

#69.2 If Package Code= SMB1 (My Business & Home) AND Appl ication is an INCREASE to a Line of Credit THEN insert clause

#69.3 If Loan Type = Small Business and Fee Rebate Reason Code = Small Business Package THEN insert Clause If Loan Type= Retail and Fee Rebate Reason Code= Small Business Package, then insert clause SAD - Rebate Reason = Small Business Package, then insert clause

#69.4 If Package Type= Professional Package OR Product= Professional Asset Line (L3 or L4) then insert #69.5 Insert if Package= Home Package Plus (PR02) #70 nolonQerused #71< Insert Table Row if Product is Professional Asset Line (L3, L4)

Template, NOTE: This fee is not available currently in SL 's - therefore will be based on Annual Facility Fee being selected.

#72 Insert if Professional Package Fee ( refer Annual Package Fee) is rebated Template, Note: Applicable Fee Waiver Codes are: 50, 60, 65, 75, 80, 81, 74, 83, 84, 85, 86 or 87 Sunloans - Professional Package Fee appears as Annual Facility Fee or Annual Package Fee in On-Going Fees SAD's- Professional Package Fee appears in On Going (Account Keeping/Package/Service Fee) field

#72.1 Insert Professional Package Fee amount(refer Annual Package Fee)($) - Fee Code APF Template, Note: Sunloans - Professional Package Fee appears as Annual Facility Fee or Annual Package in On-Going Fees SAD's- Professional Package Fee appears in On Going (Account Keeping/Package/Service Fee) field

#72.2< Insert if Annual Facility Fee is Rebated and (SpecialConcessionCode is NOT Staff OR does not exist) Then Insert text Development Note: SpecialConcessionCode=001 for Staff Loan Template, Note: Sunloans - Professional Package Fee appears as Annual Facility Fee or Annual Package Fee in On-Going Fees

Page 28

VARIABL #72.3

SUN.1101.0010.0070

Insert if Suncorp is selected from the Confidential

Development Note: SpecialConcessionCode=lil forffflSf@• Template, Note: New Loan For a loan to be identified as Staff : • At least one Borrower or one Guarantor is noted 1fflSII and • The Relationship Code is & ' and • Package Type = Professional Package and TBA • Package Type is not= My Home (PR01) or My Home & Business (SMB1) or Small

Business Money Manager (SBMM) Increase in Loan For a loan to be identified as Staff: • At least one Borrower or one Guarantor is noted - and • The Relationship Code ismtl'and • Package Type = Professional Package TBA • Package Type is not= My Home (PR01) or My Home & Business (SMB1) or Small Business

Money manager (SBMM)

#73 Input Net fee (Fee Amount less Exemption)

• Template, Note: • If No Fee Waiver Code has been entered (ie . Standard Fee) , then insert Professional Package Fee (Refer Annual Package Fee) Amount($) - currently $350.00 If Fee Waiver Code has been entered (ie . Fee is Rebated) , then insert "$0.00". The Professional Package Fee (Refer Annual Package Fee) cannot be partially rebated . Can only rebate the full amount of the fee. Sunloans - Professional Package Fee appears as Annual Facility Fee or Annual Package Fee in On-Going Fees SAD's - Professional Package Fee appears in On Going (Account Keeping/Package/Service Fee) field

#74 Insert Table Row if Product is Small Business Line of Credit (LS, L6) and part of the Small Business Money Manager

** Please note - this fee can not be waived. #75 Small Business Package - Quarterly Amount($) - currently $125.00

Note: Sun Loans - Quarter! Packa e Fee will be assed as QPF #76 Small Business Package - Annual Amount($) - currently $500.00

Note: Sun Loans - Annual Package Fee will be passed as APF, AFF or SBP (SBP is being removed as at R3, however i eline will need to be considered

#76.1 Insert Table Row if Product is Small Business Overdraft (BM, BO only - Business Premium Accounts) AND part of the Business Ready Package (BROY)

#76.2 Insert fee amount Quarterly - currently $350.00

#76.3 Sun Loans and SAD

#76.3.1 #77

Insert if Package = Home Package Plus (PR02) and Mandatory Account= No

Templaters Note: New field required for SAD if Package selected = Home Package Plus display new drop list field titled "Mandatory Account" with options [select, Yes, No] validation required user must select either Yes or No. Insert Home Packa e Plus Fee Amount i.e. $375.00 Insert Table Row if Product is: • Small Business Line of Credit (LS, L6) and NOT part of the Small Business Money Manager. OR • Small Business Overdraft (B1, 82, C1, C2, BT, BC, BM, BO) and NOT part of the Business Ready Package

Note: Business Read

Page 29

SUN.1101.0010.0071

VARIABLE DESCRIPTION #77.1 Quarterly Service Fee ($)

Business Overdraft - currently $100.00 Small Business Line of Credit - currently $80.00

#78 Insert if Small Business #78.3 Property Evaluation Fee for Limit Increases

Insert for Small Business only #79-#-82 Not used #83 If Reneqotiation Fee is waived insert "0.00" Else insert Reneqotiation Fee Amount($) currently $300.00 #83.1 Insert if Renegotiation Fee is waived and Package= Professional Package #83.2 Insert if ReneQotiation Fee is waived and PackaQe = Home PackaQe Plus #84 Insert Table Row if Loan is Retail #84.1 Insert Additional Valuation Fee Amount($) - currently $220 #84.2 Copy Fees - Copy of a Document, each copy ($) currently $25.00 #84.3 Copy Fees - Copy of previous correspondence, each copy($) currently $10.00 #84.4 Copy of Documents Fee (currently $35) #84.5 Insert Excess Cheque Fee amount ($) - (currently $8.00)

** Only TOTAL Excess Cheque Fee can be waived #84.6 Insert if the loan is identified as Staff i.e.:-

At least one Borrower or one Guarantor is noted as Staff. and The Relationship Code is "001", #84.7 Insert Excess Cheque Fee ($$) ($8.00) if:

At least one Borrower or one Guarantor is not noted as Staff and The Relationship Code is not "001", #84.8 Insert if the Excess Cheque Fee is waived ANNUAL PERCENTAGE RATE #85 No restriction required

Retail Asset Line Access Equity Professional Asset Line Personal Overdraft

Small Business Small Business Overdraft - Residential Security Small Business Overdraft - Other Security Small Business Overdraft - Unsecured Small Business Line of Credit - Residential Security Small Business Line of Credit - Commercial/Other Security

Page 30

SUN.1101.0010.0072

VARIABLE DESCRIPTION #85.1 If Retail and Borrower IS NOT a Company AND Loan Purpose= Personal THEN insert "Personal

Purpose" If Retail and Loan Purpose = Investment THEN INSERT "Investment"

ELSE if Loan is Small Business THEN insert "Small Business" #85.2 If Product is an Asset Line THEN insert ' Asset Line Reference'

ELSE if Product is a Access Equity (LO, L9) THEN insert "Access Equity Reference" ELSE if Product is a Personal Overdraft THEN insert 'Personal Overdraft Reference' ELSE if Product is a Professional Asset Line THEN insert' Professional Asset Line Reference' ELSE if Product is a Small Business Line of Credit THEN insert 'Line of Credit Reference' ELSE if Product is a Small Business Overdraft THEN insert 'Overdraft Reference' ELSE if Product is a Small Business (Unsecured) Overdraft THEN insert 'Base'

#86 Insert Interest Rate(%) #87 Insert if a Start Margin (excluding Future Date) & or Basis Points/Loan Modifiers*Note1 are applicable #87.1 If #87.2% is positive or O THEN insert "plus"

ELSE if #87.2 is negative THEN insert "less" #87.2 Insert Start Margin

Template, Note: Calculation of Start Margins to apply at Settlement of Loan. (ie not future dated)

Examples of Margins: Retail:

• Low Doc Margin% Grandfathered for new lending 1/9/2014

• - scount) Margin % - Grandfathered for new lending 1/9/2014 • • Special Promotional Discount Margin % • Valued Client Discount Margin % • Special Client Price Margin % • Loan to Value Margin % • Promotional Margins %

Small Business:

• Low Doc Margin % Grandfathered for new lending 1/9/2014 • Special Promotional Discount Margin % • Valued Client Discount Margin % • Special Client Price Margin % • Residential Basis Points/Loan Modifier *Note1 • Commercial Basis Points/Loan Modifier *Note1

#87.3 Insert Value calculated as: #86% plus or minus #87.2% #88 Insert if Margin has an expiry date applicable #88.01 If expiring margin is a 'plus', then insert 'an added'

Else insert 'a discount' #88.1 Insert name of expiring Margin:

#88.2 Insert value of expirinq Marqin: #88.3 If Marqin is existinq & Expiry date remains the same OR if value has been inserted in "Date" field #88.3.1 Insert Current Expiry Date, to be shown as DD/MM/YYYY

#88.3.2 Insert if value has been inserted in "Months" field. #88.3.3 Number of months Expiring Margin applies to loan. If two years is to be shown as 24 months.

#89< Insert if one or more marqins remains #89.1 If #89.2% is positive or O THEN insert "plus"

ELSE if #89.2 is negative THEN insert "less" #89.2 Calculated as #87.3% less #88.2% #89.3 Calculated as #86 plus or minus #89.2 >#89 >#88 >#87 #90< Insert if Suncorp Staff Margin (STF1) is selected

Development Note: MarginCode="STF1"

Page 31

SUN.1101.0010.0073

VARIABLE DESCRIPTION #90.1 Insert Margin(%) for Margin selected within Margin Category= "STAFF 1" >#90 #91< Insert if Small Business Loan >#91 #92 Default Interest Rate% - currently 2.00% >#85 OTHER FEES WHICH ARE NOT CREDIT FEES AND CHARGES #93 - Variable Not Used #98

COMMISSION #99 If facility is Non-Regulated THEN insert 'may be'

ELSE if facility is Regulated THEN insert 'is' #100 VARIABLE NO LONGER USED #101 Insert for Small Business Line of Credit and Small Business Overdraft

#102 Insert "Nil Commission" if no Commission payable Confidential

or if If Product Code = BC or BM or BO or BT

SDSISAD : insert the above for the following scenarios:-lf 'Broker Code', 'Accredited Broker Code', 'Broker Name' and 'Sales Officer Code' are >NULL< If 'Broker Code ' or 'Accredited Broker Code ' are not >NULL< but , 'Broker Name ' is >NULL If 'Broker Code'= FNZZZ, and 'Broker Name', 'Accredited Broker Code', and 'Sales Officer Code'= >null<

#103

#103.1

#103.2

If 'Broker Code'= LZZZZ, and 'Broker Name', 'Accredited Broker Code', and 'Sales Officer Code'= >null< Confidential

Insert if Commission is payable to a Third Party/Broker

Broker Name (and ABN/ACN if applicable)

SDSISAD : If Broker Name is not >nullnullnull

SUN.1101.0010.0074


#103.4

#103.5

#103.6

Standard Commission$ if ascertainable SUN-Loans

Calculate and insert Amount($) of commission:

• If a Retail Loan and Broker selected ~ insert amount of commission payable$ of full facil~n or Increased facility limit for Add Loans, Confidential

including capitalised fees),IAUi®l®M Confidential Confidential ) refer to #103.4

• If a Small Business Loan and Broker -selected insert amount of commission payable $ Confidential of full facility limit for new loan or Increased facility limit for add loan, including capitalised fees).

If a Preferred Loan Referrer #Com ID insert amount of commission payable$ (calculation •••• for new loan or Increased facility limit for add loan including capitalised fees) Confidential

Round calculated$ amount to the nearest cent. If amount ends in 0.005 or above round up to the nearest cent. If below 0.005 round down to the nearest cent. E.g. $120.105 round up to $120.11

SAD - Insert details entered into broker Name field

Confidential

Unascertainable commission amount clause:

Currently the following broker/referrers are paid commission that is unascertainable at documentation of the contract.

Confidential

Bonus Commission

SUN-Loans

If a Broker (I Code) and If Retail Loan

and Application received date between 14/10/2015 to 17/12/2015 including these dates

Confidential

Bonus Commission$ amount ascertainable

SUN-Loans If a Broker (I Code) and

If Retail Loan

Page 33

SUN.1101.0010.0075


#103.8

#103.9

#104

#105

Bonus Commission $ amount

SUN-Loans If a Broker (I Code) and Confidential


Unascertainable bonus commission amount clause:

Confidential


SUN-Loans Insert '30/03/2016'


Confidential

DETAILS OF SECURITY #105.1 Sun-Loans

#105.2

#105.3

#105.4

#105.5

#105.6 >105.1

#106

#107 #107.1

#107.2 #107.3

Insert if a value has been entered in Real Property Description field.

Insert if Mortgage is already held by Suncorp

Mortgagor/s full name/s Eg. Paul Fred Smith or Paul Fred Smith and Jane Smith

Insert enclosed text for property secured by mortgage. If mortgage is over more than one property insert enclosed text for each with se aratin characters i.e. 'and '

Street Address include Street No., Name, Type, Suburb, State (3 Char) & Postcode . .Eg 5 Smith Street, Aspley QLD 4034 If multiple Street Addresses, then insert separating characters. Eg: 6 Smith Street, As le QLD 4000and 7 Smith Street, As le QLD 4000. Insert Real Property Description if a value has been entered in the Real Property Description field .

Insert for Regulated facilities

Mort a e QLD - Freehold Insert if Mortgage is already held by Suncorp.

Mort a or/s full name/s. E Paul Fred Smith or Paul Fred Smith and Jane Smith Insert enclosed text for property secured by mortgage.

If mortgage is over more than one property insert enclosed text for each with separating characters ie: 'and'.

Page 34

SUN.1101.0010.0076

VARIABLE DESCRIPTION #107.4 Street Address include Street No. , Name, Type, Suburb, State (3 Char) & Postcode. _Eg_ 5 Smith

Street, Aspley OLD 4034 Template, Notes: If multiple Street Addresses, then insert separating characters. Eg: 6 Smith Street, Aspley QLD 4000and 7 Smith Street, Aspley QLD 4000.

#107.5 Real Property Description ie: Lot & Plan. _Eg_ Lot 5 on RP 123456 Template, Notes: If multiple Land Description, ie: Multiple Lot & Plan's apply for one title, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459.

#107.6 Not used #107.7 Not used #107.8 Insert Title Reference

#108 Mortaaae QLD - Leasehold #108.1 Insert if Mortgage is already held by Suncorp.

#108.2 Mortgagor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #108.3 Insert enclosed text for property secured by mortgage.


#108.4 Street Address include Street Number, Street Name, Street Type, Suburb, State (C Char) and Postcode. _Eg_ 5 Smith Street, Aspley OLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4000, 6 Smith Street, Aspley QLD 4000and 7 Smith Street, Aspley QLD 4000

#108.5 Insert Lease Number #108.6 Real Property Description ie: Lot & Plan. _Eg_ Lot 5 on RP 123456

Template, Note: If multiple Land Descriptions, i.e.: Multiple Lot & Plan's apply for one title, , then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459.


#109 Mortaaae QLD - Freehold over Lease #109.1 Insert if Mortgage is already held by Suncorp.

#109.2 Insert Lease Number #109.3 Insert Lease Date - in brackets ( ). #109.4 Mortgagor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #109.5 Insert enclosed text for property secured by mortgage.


#109.6 Street Address include Street Number, Street Name, Street Type, Suburb, State (C Char) and Postcode. _Eg_ 5 Smith Street, Aspley OLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4000, 6 Smith Street, Aspley QLD 4000 and 7 Smith Street, Aspley QLD 4000

#109.7 Real Property Description. _Eg_ Lot 5 on RP 123456 Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459.


#110 Mortaaae QLD - Water Allocation

Page 35

SUN.1101.0010.0077

VARIABLE DESCRIPTION #110.1 Insert 'Existing' if Mortgage is already held by Suncorp.

#110.2 MortQaQor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #110.3 Water Allocation Real Property Description Insert enclosed text for Water Allocation secured by

mortgage.

If mortgage is over more than one water allocation insert enclosed text for each with separating characters ie: 'and'.

#110.4 Real Property Description Lot and Plan details eg Lot 3 on Plan 123459 #110.5 Water Allocation Title Reference

#111 Mortaaae QLD - Freehold and Water Allocation #111.1 Insert if Mortgage is already held by Suncorp.

#111.2 Mortgagor/s full name/s. ~ Paul Fred Smith or Paul Fred Smith and Jane Smith #111.3 Insert enclosed text for property secured by mortgage.


#111.4 Street Address include Street Number, Street Name, Street Type, Suburb, State (C Char) and Postcode. ~ 5 Smith Street, Aspley QLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4000, 6 Smith Street, Aspley QLD 4000and 7 Smith Street, Aspley QLD 4000

#111.5 Real Property Description.~ Lot 5 on RP 123456 Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459.

#111.6 Not used #111.7 Not used #111.8 Insert Title Reference #111.9 Insert Water Allocation Real Property Description

Eq: Lot 3 on GP 123456 #111.10 Insert Water Allocation Title Reference.

#112 Mortaaae QLD - Leasehold and Water Allocation #112.1 Insert if Mortgage is already held by Suncorp.

#112.2 MortQaQor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #112.3 Insert enclosed text for property secured by mortgage.


#112.4 Street Address include Street Number, Street Name, Street Type, Suburb, State (C Char) and Postcode. ~ 5 Smith Street, Aspley QLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4000, 6 Smith Street, Aspley QLD 4000and 7 Smith Street, Aspley QLD 4000

#112.5 Insert Lease Number #112.6 Insert Real Property Description.~ Lot 5 on RP 123456

Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459.


Eg: Lot 3 on GP 123456 #112.11 Insert Water Allocation Title Reference.

#113 Mortaaae QLD - Freehold over Lease and Water Allocation

Page 36

SUN.1101.0010.0078

VARIABLE DESCRIPTION #113.1 Insert if Mortgage is already held by Suncorp.

#113.2 Insert Lease Number #113.3 Insert Lease Date - in brackets ( ). #113.4 MortQaQor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #113.5 Insert enclosed text for lease property and Water allocation secured by mortgage.

If mortgage is over more than one property & water allocation insert enclosed text for each with separating characters ie: 'and'

#113.6 Street Address include Street Number, Street Name, Street Type, Suburb, State (C Char) and Postcode. ~ 5 Smith Street, Aspley OLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4000, 6 Smith Street, Aspley QLD 4000and 7 Smith Street, Aspley QLD 4000

#113.7 Insert Real Property Description.~ Lot 5 on RP 123456 Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459.


Eg: Lot 3 on GP 123456 #113.12 Insert Water Allocation Title Reference.

If Title Reference details are not entered insert 'to issue' Eg: Title Reference to issue #114 Mortaaae NSW - Freehold #114.1 Insert if Mortgage is already held by Suncorp.



#114.4 Street Address include Street No. , Name, Type, Suburb, State (3 chars) & Postcode. ~5 Smith Street, Aspley NSW 2000 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley NSW 2000, 6 Smith Street, Aspley NSW 2000 and 7 Smith Street, Aspley NSW 2000.

#114.5 Real Property Description.~ Lot 3 on Plan 123456 If Mortgage= NSW and Section field is completed , then insert e.g. Lot 3 of Section #114.5.1 on Plan 123 Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459.

#114.5.1 Insert Section Number per Land Description #114.6 Insert Folio Identifier.

Template, Note: If in Sun Loans 'Auto Consol' has been selected, insert wording 'Auto Consol' before Folio Identifier Number. So will shown as Eq ' .... Described as Folio Identifier Auto Consol 4968-235'

#115 Mortaaae NSW - Freehold over Lease #115.1 Insert if Mortgage is already held by Suncorp.

#115.2 Insert Lease Number #115.3 Insert Lease Date - in brackets ( ). #115.4 MortQaQor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #115.5 Insert enclosed text for property secured by mortgage.

If mortgage is over more than one property insert enclosed text for each with separating characters ie: 'and'

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SUN.1101.0010.0079

VARIABLE DESCRIPTION #115.6 Street Address include Street No., Name, Type, Suburb, State (3 chars) & Postcode. _Eg 5 Smith

Street, Aspley NSW 2000 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley NSW 2000, 6 Smith Street, Aspley NSW 2000 and 7 Smith Street, Aspley NSW 2000.

#115.7 Real Property Description . .Eg Lot 3 on Plan 123456 If Mortgage= NSW and Section field is completed, then insert e.g. Lot 3 of Section #114.5.1 on Plan 123 Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459

#115.7.1 Insert Section Number per Land Description #115.8 Folio Identifier

#116 Mortgage NSW - Water Access Licence

#116.1 Insert if Mortgage is already held by Suncorp

#116.2 MortQaQor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #116.3 Insert water Access Licence Number Eg. '50 BL 196006"

#116.4 Insert Tenure Type Eg. Continuing or Specific Purpose or Supplementary

#117 Mortaaae VIC - Freehold #117.1 Insert if Mortgage is already held by Suncorp.

#117.2 Mortgagor/s full name/s. _Eg Paul Fred Smith or Paul Fred Smith and Jane Smith New Mortgage - insert owner name ExistinQ MortQaQe - insert name as per title search if selected, otherwise insert owner name

#117.3 Insert enclosed text for property secured by mortgage.


#117.4 Street Address include Street No., Name, Type, Suburb, State (3 chars) &Postcode. _Eg. 5 Smith Street, Aspley VIC 3000 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley VIC 3000, 6 Smith Street, Aspley VIC 3000 and 7 Smith Street, Aspley VIC 3000

#117.5 Insert if not Crown Allotment Real Property Description . .Eg Lot 3 on Plan 123456 If Mortgage = VIC and Crown Allotment has been selected from 'On' drop list, then insert Crown Allotment 123 Section #117.5.2 at #117.5.3 Parish of #117.5.4 If Unit is entered, insert, else insert Lot Eg: described as Unit 3 on Plan 123456 and Unit 3 on Plan 123459. Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 3 on Plan 123456 and Lot 3 on Plan 123459. If Crown Allotment applies, ignore value in Lot Number field and Real Property Description to aooear as an example: Crown Allotment 10 Section B at Bendigo Parish of Sandhurst

#117.5.1< Insert if Crown Allotment is selected from the Plan drop list #117.5.2 Insert Section Number per Land Description #117.5.3 Insert Parish per Land Description #117.5.4> Insert Township per Land Description 117.5.1 #117.6 Insert Volume and Folio: EG 1234:123 per Land Description

#118 Mortgage of Water Share - VIC - Small Business onl)l Insert the following if either 'High -Reliability Water Share' or 'Low-Reliability Water Share' but not both are selected:

#118.1 Insert if Mortgage is already held by Suncorp

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SUN.1101.0010.0080

VARIABLE DESCRIPTION #118.2 Insert Mortqaqor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #118.3 Insert enclosed text if a Water Share ID Number/s has been provided #118.4 Water Share ID Number/s e.g's. WEE 030504/WUU 030504 and WAA 030504,

#118.5 Volume of Water e.g. 2000 ML

#118.6 Insert text if identified as 'Hiqh -Rel iability Water Share' #118.7 Insert text if identified as 'Low-Reliability Water Share'

#118.8 Insert enclosed text if Service ID No. if provided

#118.9 Insert Service ID no.

#118.10< Mortgage of Water Share - VIC - Small Business onl)l Insert the following if BOTH 'High -Reliability Water Share' and 'Low-Reliability Water Share' are selected:

#118.11 Insert 'Existing' if Mortgage is already held by Suncorp.

#118.12 Insert Mortgagor/s full name/s. ~ Paul Fred Smith or Paul Fred Smith and Jane Smith

#118.13 Insert enclosed text if a Water Share ID Number/s has been [2rovided #118.14 Water Share ID Number for High Reliability Water Sharee.g's. WEE 030504/WUU 030504 and WAA

030504 #118.15 Volume of Water for High Reliability Water Share e.g. 2000 ML

#118.16 Water Share ID Number for High Reliability Water Sharee.g's. WEE 030504/WUU 030504 and WAA 030504,

#118.17 Volume of Water for Low Reliability Water Share e.g. 2000 ML

#118.18 Insert enclosed text if Service ID No. if provided

#118.19 Insert Service ID no.

#119 Mortaaae ACT #119.1 Insert if Mortgage is already held by Suncorp.

#119.2 Mortqaqor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #119.3 Insert enclosed text for property secured by mortgage.

If mortgage is over more than one property insert enclosed text for each with separating characters ie: 'and' ie:

#119.4 Insert Street Address include Street No., Name, Type, Suburb, State (3 chars) & Postcode. ~5 Smith Street, Aspley ACT 9999

Template, Note:lf multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley ACT 9999, 6 Smith Street, Aspley ACT 9999 and 7 Smith Street, Aspley ACT 9999.

#119.5 Insert District or Division Name per Land Description Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as DistricUDivision Hooper, Section 57664, Block 25, Unit 100, Volume/Folio 1234:567 and DistricUDivision Carter, Section 10001, Block 36, Unit 888, Volume/Folio 1234:789

#119.6 Insert Section Number per Land Description #119.7 Insert Block Number per Land Description #119.8 Insert Unit Number per Land Description #119.9 Insert Volume and Folio: EG 1234:123 per Land Description

#120 Mortaaae SA - Freehold (Whole or Portion of Land) #120.1 Insert if Mortgage is already held by Suncorp.

#120.2 Mortgagor/s full name/s. Eq Paul Fred Smith or Paul Fred Smith and Jane Smith

Page 39

SUN.1101.0010.0081

VARIABLE DESCRIPTION #120.3 Insert enclosed text for property secured by mortgage.


#120.4 Street Address include Street No., Name, Type, Suburb, State (3 chars) & Postcode. ~- 5Smith Street, Aspley SA 9999 Template, Notes: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley SA 9999, 6 Smith Street, Aspley SA 9999and 7 Smith Street, Aspley SA 9999

#120.5 Insert Portion of Land per land description entered. #120.6 Insert Allotment I Lot Number per Land Description

Template, Notes: If multiple Land Descriptions, then insert 'and' between each description. Eg: Described as Allotment/Lot 111 Strata Plan 13213 Volume/Folio 123:456 and Allotment/Lot 112 Diaaram Plan 5555 Volume/Folio 456:789

#120.7 Insert Plan Type Name per Land Description #120.8 Insert Plan Number per Land Description #120.9 Insert Volume and Folio: EG 1234:123 per Land Description

#121 Mortaaae SA - Leasehold (Whole or Portion of Land) #121.1 Insert if Mortgage is already held by Suncorp.

#121.2 Insert Mortgagor/s full name/s. ~ Paul Fred Smith or Paul Fred Smith and Jane Smith #121.3 Insert enclosed text for property secured by mortgage.


#121.4 Insert Street Address include Street No. , Name, Type, Suburb, State (3 chars) & Postcode. ~ 5 Smith Street, Aspley QLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4034, 6 Smith Street, Aspley QLD 4034 and 7 Smith Street, Aspley QLD 4034

#121.5 Insert if Portion of Land per Land Description. Template, Note: If multiple Land Descriptions, then insert 'and' between each description . Eg: Described as Allotment/Lot 1234 Strata Plan 1124 Lease 1234 and Allotment/Lot 555 Strata Plan 777 Lease 999.

#121.6 Insert Allotment I Lot Number per Land Description #121.7 Insert Plan Type Name per Land Description #121.8 Insert Plan Number per Land Description #121.9 Insert Lease No. per Land Description

#122 Mortaaae TAS - Freehold #122.1 Insert if Mortgage is already held by Suncorp.



#122.4 Insert Street Address include Street No. , Name, Type, Suburb, State (3 chars) & Postcode. ~- 5 Smith Street, Aspley QLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4034, 6 Smith Street, Aspley QLD 4034 and 7 Smith Street, Aspley QLD 4034

#122.5 Insert per Land Description - Lot & Plan type. If multiple Land Descriptions, then insert 'and' between each description. Eg: Lot 10 on Sealed Plan 1234 Certificate of Title Volume 5678 Fol io 894 and Lot 12 on Sealed Plan 5414 Certificate ofTitle Volume 5578 Fol io 477 Eg. Lot 10 on #122.5.1 Sealed Plan 1234

Page 40

SUN.1101.0010.0082

VARIABLE DESCRIPTION #122.5.1 This text depends on what is entered by the user from either drop list or free text field which consists of:

Sealed Plan, Strata Plan or Diagram NOTE: The Description will always begin with Lot eg 123 on #122.5.1 eg 456

#122.6 Insert Volume: EG 1234 per Land Description. #122.7 Insert Folio 123 per Land Description.

#123 Mortaaae TAS - State Leasehold #123.1 Insert if Mortgage is already held by Suncorp.

#123.2 Insert Mortgagor/s full name/s. Eg Paul Fred Smith or Paul Fred Smith and Jane Smith #123.3 Insert enclosed text for property secured by mortgage.


#123.4 Insert Street Address include Street No., Name, Type, Suburb, State (3 chars) & Postcode. Eg 5 Smith Street, Aspley OLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4034, 6 Smith Street, Aspley QLD 4034 and 7 Smith Street, Aspley QLD 4034

#123.5 Insert per Land Description. Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: Described as Lease 123213, Lease 12312321 and Lease 56843957.

#123.6 Insert Lease No. per Land Description.

#124 Mortaaae WA - Freehold #124.1 Insert if Mortgage is already held by Suncorp.

#124.2 Insert Mortqaqor/s full name/s. Ea Paul Fred Smith or Paul Fred Smith and Jane Smith #124.3 Insert enclosed text for property secured by mortgage.


#124.4 Insert Street Address include Street No. , Name, Type, Suburb, State (3 chars) & Postcode. ~ 5 Smith Street, Aspley OLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4034, 6 Smith Street, Aspley QLD 4034 and 7 Smith Street, Aspley QLD 4034

#124.5 Insert Description of Land Eg. Lot 10 on #24.5.1 {Diagram} 36604 (Refer to the Mortgage document for options)

#124.5.1 This text depends on what is entered or selected by the user, options being;

Plan, Build ing Unit Plan Of Amalgamation, Bu ild ing Unit Plan of Resubdivision, Group Title Plan Of Resubd ivision, Group Title Plan Of Amalgamation , Lower Buildings Units Plan , Mixed Community Plan, Mixed Precinct Plan, Mixed Stratum Plan , Leasehold Bu ildings Units Plan of Amalgamation (South Bank), Leasehold Building Units Plan (South Bank), Stratum Plan Of Amalgamation (South Bank), Stratum Plan Of Subdivision (South Bank) , Leasehold Buildings Units Plan (South Bank) , Stratum Plan (South Bank), Upper Building Units Plan & Diagram

Note The Description will always begin with Lot eg. 123 on #24.5.1 eg. 456 If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 10 on Diagram 1234, Lot 6 on Plan 1234 and Lot 77 on Strata 555.

#124.6 Insert Volume: EG 1234 per Land Description. #124.7 Insert Folio: EG 123 per Land Description.

Template, Notes: If multiple Vo/ Fols, then insert separator between each description. Eg: Described as Volume 1234 Folio 456, Volume 5678 Folio894 and Volume 8521 Folio 456.

#125 Mortaaae WA - State Leasehold (Crown Lease) #125.1 Insert if Mortgage is already held by Suncorp.

#125.2 Insert Mortqaqor/s full name/s. Eq Paul Fred Smith or Paul Fred Smith and Jane Smith

Page 41

SUN.1101.0010.0083

VARIABLE DESCRIPTION #125.3 Insert enclosed text for property secured by mortgage.


#125.4 Insert Street Address include Street No. , Name, Type, Suburb, State (3 chars) & Postcode. Eg 5 Smith Street, Aspley OLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4034, 6 Smith Street, Aspley QLD 4034 and 7 Smith Street, Aspley QLD 4034

#125.5 Insert Description of Land Eg. Lot 10 on Diagram 36604 (Refer to the Mortgage document for options) Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Lot 10 on DiaQram 1234, Lot 6 on Plan 1234 and Lot 77 on Strata 555.

#125.6 Insert Crown Lease Number #125.7 Insert Crown Lease Year

Template, Note: If multiple Crown Leases, then insert separator between each description. Eg: Described as Crown Lease 12355d4 1985, Crown Lease 12355d4 1986 and Crown Lease 12355d4 1987.

#126< Mortaaae NT - Freehold #126.1 Insert if Mortgage is already held by Suncorp.

#126.2 Insert Mortgagor/s full name/s. ~ Paul Fred Smith or Paul Fred Smith and Jane Smith #126.3 Insert enclosed text for property secured by mortgage.


#126.4 Insert Street Address include Street No. , Name, Type, Suburb, State (3 chars) & Postcode. ~ 5 Smith Street, Aspley OLD 4034 Template, Note: If multiple Street Addresses, then insert separating characters. Eg: 5 Smith Street, Aspley QLD 4034, 6 Smith Street, Aspley QLD 4034 and 7 Smith Street, Aspley QLD 4034

#126.5 Insert for each property I description - if applicable Template, Note: If multiple Land Descriptions, then insert 'and' between each description. Eg: described as Register CUFT Lot 8 Section 10 Portion 90 Plan 999 Unit 1234, Register CUFT Lot 8 Section 1 O Portion 90 Plan 999 Unit 1234 and Register CUFT Lot 8 Section 1 O Portion 90 Plan 999 Unit 1234

#126.6 Insert Register Details (If Freehold , insert CUFT; if Crown Lease insert CUCL) #126.7 Insert Lot Number #126.8 Insert Location name e.g. Alice Springs #126.9 Insert Section Number

Template, Note: Only insert Description if a Value is passed for it eg. Section 123 otherwise leave text Section out of description

#126.10 Insert Portion Number Template, Note: Only insert Description if a Value is passed for it eg. Portion 123 otherwise leave text Portion out of description

#126.11 Insert Plan Number #126.12 Insert Unit Number

Template, Note: Only insert Description if a Value is passed for it eg. Portion 123 otherwise leave text Portion out of description

#126.13 Insert Volume Folio - Eg. 1234:456 Template, Note: If multiple Vo/ Fols, then insert separator between each description. Eg: Described as Volume/Folio 1234:567, Volume/Folio 1234:569 and Volume/Folio 1234:568.

Page 42

SUN.1101.0010.0084

VARIABLE DESCRIPTION #127 Insurance

Insert after each Mortgage Security where a Property has been identified as requiring Insurance ie: ProQerty TyQe does not = Vacant Land

#128 Mortaaae of Deoosits CDeoosit Holder = NOT Suncoro Metwav) -#128.1 Insert if Mortgage is already held with Suncorp.

#128.2 Insert Mortgagor/s Full Name/s.

If more than one ensure appropriate separator is inserted ([comma] or 'and') .Eg Paul Fred Smith or Paul Fred Smith and Jane Smith

#128.3 If more than one deposit, insert 'and' as separator between details. Eg: over a deposit for the amount of $10, OOO. 00 held with ANZ Bank Maroochydore in account number 484 788 123456789 and over a deposit for the amount of $20,000.00 held with ANZ Bank Maroochydore in account number 484 788 123456789.

#128.4 Insert Amount of Deposit($) #128.5 Insert Name of Financial Institution that Deposit is held with. #128.6 Insert Branch Name of Financial Institution that Deposit is held with. #128.7 Insert BSB No. of Account Number #128.8 Insert Account Number.

#129 Set Off Aareement -#129.1 Insert if Mortgage is already held with Suncorp.

#129.2 Insert Mortgagor/s Full Name/s. If more than one ensure appropriate separator is inserted ([comma] or 'and')

#129.3 If more than one deposit, insert 'and' as separator between details. Eg: over a deposit for the amount of $10, OOO. 00 held with ANZ Bank Maroochydore in account number 484 788 123456789 and over a deposit for the amount of $20,000.00 held with ANZ Bank Maroochydore in account number 484 788 123456789.

#129.4 Insert Amount of Deposit($) #129.5 Insert BSB No. of Account Number #129.6 Insert Account Number.

#130 Equitable Mortgage and Assignment - Not available in SDS #130.1 Insert if Mortgage is already held with Suncorp.

#130.2 Insert Mortgagor/s Full Name/s. If more than one ensure appropriate separator is inserted ([comma] or 'and')

#130.3 Insert if Equitable Mortgage over 'Management Rights' #130.3.1 Insert Name of Property #130.3.2 Insert Address of Property

#130.4 Insert if Equitable Mortgage= "Rent Roll":

#130.5 Insert if Equitable Mortgage= "Life Policy" ;

#130.5.1 Insert Insurance Company Name and ACN number Eg. ABC Pty Ltd ACN 123456789

#130.5.2 Insert Life policy number

#130.5.3 Insert Name of Individual Insured

#130.5.4 Insert amount of policy

#131 Chattel Mortaaae - Not available in SDS #131.1 Insert if Mortgage is already held with Suncorp.

#131.2 Insert Mortgagor/s Full Name/s. If more than one ensure appropriate separator is inserted ([comma] or 'and').

Page 43

SUN.1101.0010.0085

VARIABLE DESCRIPTION #131.3 Insert if Chattel Mortqaqe is over a motor vehicle #131.3.1 Insert Make of Car #131.3.2 Insert Model of Car #131.3.3 Insert ReQistration Number of Car #131.3.4 Insert Enqine Number of Car #131.3.5 Insert VIN/Chassis Number of Car #131.3.6 Insert Year of Manufacture TBA #131.3.7 Insert Vehicle Type #131.3.8 Insert Situated at address.

#131.4 Insert if Chattel Mortgage is over a Taxi Licence #131.4.1 Insert Taxi Licence Number #131.4.1. Insert Taxi Meter Serial Number 1 #131.4.2 Insert Taxi Company name #131.4.3 Insert Taxi Licence issue date

#131.5 Insert if Chattel Mortgage is over a Liquor Licence #131.5.1 Insert Business Name #131.5.2 Insert Business Location/property address #131.5.3 Insert enclosed text if Chattel Mortgage over Business Assets including Liquor Licence if selected #131.5.4 Insert Liquor Licence Number

#131.6 Insert if Chattel Mortgage is over MANAGEMENT RIGHTS #131.6.1 Insert Property Name #131.6.2 Insert full property street address

#131.7 If Chattels description does not equal Motor Vehicle or Taxi Licence or Business Assets or Business Assets including Liquor Licence or Management Rights THEN Insert details entered into free text field.

#131.8 Insert if Existinq Chattel Mortqaqe applies i.e Pre PPSR (30/1/2012) Not available in Sunloans or SDS #131.8.1 Mortgagor/s Full Name/s. If more than one ensure appropriate separator is inserted ([comma] or 'and'). #131.8.2 If Chattel Mortgage is over a motor vehicle #131.8.3 Insert Make of Car #131.8.4 Insert Model of Car #131.8.5 Insert Registration Number of Car #131.8