ASSESSMENT TASKS - ASSIGNMENT 1 Page 2 ASSIGNMENT 1 Task Using the information contained in the Scenario below, please complete the following 6 tasks. You must complete each task for your submission to be assessed. Omission of any of these 6 tasks will be regarded as 'Working Towards Competency' and you will then be required to resubmit in full. 1. 9'5"pr Complete the Fact Find document on these clients using the form in Appendix 14. 0 We have not included all supplementary information on these clients in which case you will need to create your own \"improvised\" answers for inclusion in the Fact Find docu- ment. Trainees who already have access to their own version of a Fact Find template may use their own form as an alternative to that provided in Appendix 14. Recommend a product for the clients and explain your reasons for recommendation List the supporting documents that would be needed to support the loan Complete loan costing sheet * Complete a loan servicing calculation (NSR) * Complete a loan application form (an ANZ loan application form has been provided for you, which you must use) and complete all of the accompanying documents as pro- vided for you. Your answer to this task should be prepared as if you were submitting a real loan application to the lender. Please note: If there is information required on the ANZ application form that is not supplied, please improvise. The application should be completed as neatly as possible to ensure ease of review. It is to be submitted to NFI as if NFI is the lender and you were an accredited broker (but you do not need to make up \"dummy" supporting documents eg. rates notice, etc.). If you do not submit in a professional manner, your assessment will not be marked. * Important: The fees and costs required in order to complete this assignment correctly (ie. Esti- mate of Costs worksheet) can be found in Unit 6 and the instructions for how to complete the NSR form are in Unit 7. A Lenders Mortgage Insurance Chart (if you determine LMI is applicable) is found in Unit 6. Trainees should ensure Units 6 and 7 are used to source correct gures for this assignment. Scenao Clients: Jennifer Ann Stern DL No.: 527491 DOB: 07/07/89 Australian Passport No.: L94325880 Scott Milo Stern DL No.: 5489701 DOB: 04/06/88 Australian Passport No.: L9189081 Contact Phone No: Phone 0401 101 111 Current Address: 33 Willow St, Lane Cove, NSW 2066 Time there, 3.7 years Previous Address: 44 Roberts Street, Putney NSW 2112 Time there, 5 years. Children: 2 children aged 6 and 8 Scenario Continued overleaf 2022 The National Finance Institute V.080322 ASSESSMENT TASKS - ASSIGNMENT 1 Page 3 ASSIGNMENT 1 Continued Existing Property: Own Home valued at $1,500,000 Current outstanding loan balance $375,000 (with CBA) Loan Repayments $2,273 per month, remaining loan term 20 years Cash: The clients have $12,000 cash in the bank. Credit Cards: ANZ Visa - $6,000 limit (balance $4,000) NAB MasterCard $6,000 limit (balance $2,500) Other: Mr and Mrs Stern each have $85,000 in superannuation and they estimate their current home and contents to be worth $63,000 Mr Stern works at OfceWorks as a Marketing Manager and earns $125,000 p.a. He has worked there for 8 years. Mrs Stern is a Project Officer with SMEC Australia and earns $76,000 p.a. She has worked there for the past 3 years after having several years of home duties. The Stems own two cars a 2016 Honda Civic worth $18,000 unencumbered and a 2018 Mazda SUV $30,000 subject to Mazda Finance of $20,000 ($450 per month). A few days ago, the Sterns signed up for a 20 month Interest Free loan from Latitude for a sound/movie system for $3,000. They paid a $50 establishment fee to avoid the monthly ad min fee and their minimum monthly payment is 5%. You interviewed Mr and Mrs Stern at your office after some initial telephone conversations previously. They both spoke good English, they are Australian citizens of more than 20 years and they expressed their excitement at buying their second property. Following your evaluation, you suggested 3 different loan products to the Sterns and their decision was to choose the ANZ product. You will now proceed to assist them with their loan application. They are aware that, they will need to complete a Customer Identication Procedure prior to finance approval from the lender. The clients wish to refinance their current home loan and purchase an investment property. The investment property is an established 2 bedroom unit in a residential tower block of 48 at 56 (Lot 6) Victoria Ave, Rhodes and is valued at $900,000. Gross rental Income of $700 per week is expected and the body corporate expense will be just $35 per week. They have made an offer on the unit at the asking price, have put down a $1000 cash deposit with the real estate agent, and the offer has been accepted with settlement in 60 days. Title particulars: Lot 6, Folio 4981, Vol. 2931. The solicitors they will be using are Bader & Partners, ph 0400 111 222 Scenario Continued overleaf 2022 The National Finance Institute V.080322 ASSESSMENT TASKS - ASSIGNMENT 1 Page 4 Assumptions: ASSIGNMENT 1 Continued Assume this is a cross collateralised loan Due to the client's request below, assume this structure will be a Split facility Your clients have told you: that they want to keep the repayments on their home separate from their investment property. They would like to keep the repayments on their home as principal and interest but want to pay interest only on their investment property. Lenders will calculate servicing using the entire loan amount calculated at P&I, even if the loan or part of the loan is provided as Interest only. Assume the clients seek a 25 year term for the loan and the lender will assess servicing at P&I over the 25 year term. The clients wish to pay out their personal loan on the car, as a debt consolidation, to rationalise their loan repayments. They have agreed that ANZ will be a suitable lender for their circumstances. Although addresses show NSW, for the purpose of your duty and other cost calculations, assume that the clients live in the same state as you (the broker). You should assume a Standard Variable Rate of 3% applies to this loan application and a Qualifying rate of 3% is added to the Standard Variable Rate (for your NSR form). Assume the current car loan will be paid out by the refinance of the home. Assume the clients will be \"fulldoc\". Assume that the body corporate cost is included in living expenses and therefore does not need to be included as a se arate out oin . Please note: The table called Living Allowances on the NSR sheet is based loosely on the Henderson Poverty Index and should be used in these assignments, including in the Fact Find form, as we are not using a real client. However, in real life ASIC has ruled that a budget must be completed for each client to assess living expenses (we provide a sample budget form at the back of Appendix 320 for interest). 2022 The National Finance Institute V.080322 ASSESSMENT TASKS - ASSIGNMENT 1 Page 10 ASSIGNMENT 1 Continued 6. Complete the lender's application form (a blank ANZ loan application form has been provided for you) and the other documents as provided for you. Your answer to this Activity should be prepared as if you were submitting a real full loan application to the lender. Remember you must treat this as a cross-collateralised split loan structure. Please note: If there is information required on the application that is not supplied, please improvise. The application should be completed as neatly as possible to ensure ease of review. Tax charts, an LMI table (if required) and sundry forms can be found in your course content. You do not need to create any \"dummy\" supporting documents (eg. documents that your client would typically provide to you in a real submission, eg. rates notices), just ensure you list them where required. For this question you must include the following 5 completed forms (all have been provided for you): - Lending Checklist - Credit guide/ Disclosures - Privacy statement and Consent - Loan Application Cover Sheet - ANZ Application form TIPS: > Page 6 of the ANZ form is where you show your split facility structure > You may find that some fields in the ANZ form do not allow editing. This is because there may be formulas in some cells in the form which will, for example, automatically calculate a total. > On page 10-11 of the ANZ form Assets and Liabilities should be shown as what is current ie. pre-settlement but Income and Expenses are to be shown as proposed ie. post settlement. You should estimate all expenses so that they total the same Living Expenses gure used in the NSR sheet. > IMPORTANT: When determining loan splits avoid mixing borrowings for personal use, on which interest is not tax deductible, and borrowings for investment purposes (income producing), on which interest is tax deductible. This requires consideration of the purpose for which the funds are being borrowed (to purchase property or refinance an existing loan) and the individual costs associated with the purchase or renance (the purpose test will determine which costs should be added to which loan split). 2022 The National Finance Institute v.080322 ASSESSMENT TASKS - ASSIGNMENT 1 Lending Checklist The following list can be used as your Checklist of necessary documentation. Brokers may care to develop a simpler form from some of the headings below to fax or email to their clients to collect information. Other documentation may be required by some lenders, based on unusual circumstances by the applicant. Yes No N/A 1. This Loan Summary Checklist 2. Loan Submission (commission breakdown etc.) 3. NSR Serviceability worksheet 4. Loan Application Form 5. Privacy Act Consent Form 6. Declaration of Purpose 7. Joint Nomination Form 8. Loan Interview Diary Note 9. 100 Point ID Checklist 10. Acknowledgement and Disclosure Form 11. Evidence of Income A. PAYG Income Documentation (minimum 2 forms) EITHER 3 Pay Slips covering the 3 preceding months, with one being within the past four weeks preferably confirming at least three months YTD (consistent with annual income), OR Last 2 years' Tax Return accompanied by an ATO Assessment Notice, OR Group Certificates / PAYG Payment Summary (not handwritten), OR PAYG Payment Summary (if handwritten) accompanied by an ATO assessment Notice Signed and dated letter from employer on employer's letterhead with ACN/ABN confirming full or part-time employment and annual gross income B. Self Employed Proof of ABN where required for the minimum term Applicant's last 2 years personal tax returns and ATO Assessment Notice Business' last 2 years Tax return and Full Financial Statements (when required) Continued Overleaf ... Copyright 2021, The National Finance Institute V.110821ASSESSMENT TASKS - ASSIGNMENT 1 Supplementary documentation Yes No NA 12. Are TENs removed from all financial documentation? 13. Copy of valuation / valuation request LVR % 14. Copy of front page of contract of sale 15. Copy of Offer & Acceptance - purchase / sale 16. Title details (lot/folio/etc. ), plans/specs and/or building contract for construction 17 Evidence of funds to complete (deposit / genuine savings / equity) 18 Proof of genuine savings (as above) evidenced by bank statements over the last 6 months (minimum) 19. Is the FHOG forming part of this loan application? 20. Copies of most recent 6 months bank statements of all loans refinanced 21. Copies of insurance policies ie. current house and contents insurance policy and any life insurance policies 22. Copies of proof of other investments le. Superannuaten statements, share certificates and/or managed investment statements 23. Is suitable documentation held on file to support other income? (eg. Centrelink/Child support/Dividends/Family Trust disbursements) 24. Has sufficient proof of current rental income been provided by way of Rental Statements, Valuation, Current Lease Agreements, Tax Returns? 25. Council Rates and Water Rates Notices for the property being offered as security on a refinance 26. Additional supporting comments 27. Declaration The correctness of these documents is the responsibility of the person signing this Lending Checklist Submitted by: Signature: Date Copyright 2021, The National Finance Institute V.110821Credit Guide This Credit Guide provides you with the key information that you need to know to make an informed and confident choice when engaging our products and services. This Credit Guide summarises our goals and standards, offerings, fees, and commissions. Please don't hesitate to ask if you need more information or clarification. This Credit Guide has been uenerated b : Authorised Credit Representative-nameand Credit Representative number OrganisationITrading Name I:| Address Ph-o ne: Mo bi'l e:' |:I Email Address Australian credit Licence name and Australian Credit License number Australian Company Number of AOL holder Overview We hold the necessary mortgage broking experience and qualifications in accordance with the National Consumer Credit Protection Act, 2009 to provide you with assistance. We are required to meet specific competency standards relating to educational and professional development. You can be confident that we are held accountable to not only our organisation's high ethical standards / values, but also have a responsibility to maintain the regulatory standards that are set by both Commonwealth and State governments. Our mission is to ensure we offer our clients the best service and most appropriate products to suit their individual needs through our professionalism and attention to detail. Ultimately, our goal is to ensure applicants are provided with a loan that meets their objectives. We guarantee to listen to your needs and your instructions, ensuring that there is collaborative agreement through each step of the finance application process. Our relationships and alliances with likeminded quality organisations ensure we are positioned to offer the best quality service as well as offering complementary financial services where appropriate. Page 1 of? Suitability of Loans to Your Financial Objectives By law, before entering into a specific credit contract, we are obliged to conduct a Preliminary Credit Assessment to determine what kind of loans would be suitable for you. In consultation with you, we will explore and discuss with you your financial situation, financial objectives and borrowing needs before we determine which loan product may suit your requirements. For the purposes of the Preliminary Credit Assessment, we will need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to: 0 make reasonable inquiries about your requirements and objectives; 0 make reasonable inquiries about your financial situation; and 0 take reasonable steps to verify that financial situation. The assessment will be conducted prior to recommendation of a particular product. The assessment will involve collection and verification of financial information to determine the appropriate loan amount and the loan costs associated with entering a credit contract. This will ensure that your circumstances will be assessed appropriately and that the options suggested will not place you in financial hardship. Once completed, this Preliminary Credit Assessment is only valid for 90 days. A copy of the Preliminary Credit Assessment will be available to you, on request - this will be available up to 7 years after we provide you with credit assistance Prior to the Preliminary Credit Assessment being conducted, we may provide you with Product summaries that highlight various key features and benefits of the product. We may also provide you with Product Comparison documents that allow you to compare the features and benefits of each product and assess the suitability to your requirements. Lender and Products Lenders available We aim to provide you with information from a range of lenders and products I loans. Once you have chosen a loan that is suitable for you, we will help you obtain an approval. Commonly used lenders The list below documents the 6 most commonly'used Lenders by my licensee. This does not necessarily reflect all of the financial institutions that my licensee is able to conduct business through. However, if less than six lenders are displayed below, this is a summary of the lenders that my licensee is able to utilise for loan submission purposes Financial Institutions '1. Macquarie Bank 2. Westpac 3. Commonwealth Bank 4. Bankwest 5. Sunc'orp 6. ANZ Page 2 of? Fees, Charges, Commission and Disclosures Fees payable by you to third parties Fees payable by you to the licensee When the credit application (loan) is submitted, you may need to pay the lender's application fee, valuation fees, or other fees that are associated with the loan application process, even if the loan is ultimately unsuccessful. If a fee is payable by you, this will be disclosed in-a Credit Quote that will be provided to you. If a Credit Quote is not supplied, this will indicate that we do not charge consumers any fees. Payments TBCBiVF-'d by the Please take notice that the licensee may receive fees, commissions, or licensee Fees payable by the licensee to third parties Tiered Servicing Arrangements financial rewards from Lenders or Lessors in connection with any finance we arrange for you. These fees are not payable by you. The commission / brokerage amount depends on the amount of the finance and may vary from product to product. We can provide you with information about a reasonable estimate of those commissions and how the commission is worked out if you require. Commissions are paid based on a percentage of the loan balance that is drawn down which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to us by lenders may vary. By following the responsible lending requirements, we will ensure the loan recommended to you is not unsuitable for your situation and objectives. We may pay fees to call centre companies, real estate agents, accountants, or lawyers-and others for referring you to us. These referral fees are generally small amounts in accordance with usual business practice. These are not fees payable by you. On request you can obtain .a reaSonable estimate of the amount ofthe fee and how it is worked out. From time to time, we may also remunerate other parties through payments, rewards or benefits. Through your broker's relationships with lenders they may have access to tiered servicing arrangements. The benefits of this access to these arrangements can include faster processing, better information or greater levels of assistance provided for obtaining loan approval. Your broker will advise you of any tiered service arrangements that are in place with a particular lender that they have proposed at the time recommendations are made. Access to this program is not based solely on the volume of new or existing lending your broker's customers have with each respective lender and does not entitle them to any additional commissions outside of what they have disclosed to you, any additional payments or preferential customer discounts. Page 3 of? Other disclosures, Not Applicable benefits or interests Your broker is prohibited from accepting gifts or inducements over $350. Any benefit given to your broker greater than $100 and less than $350 will be recorded in a Gifts Register. A copy of you broker's register is available to inspect on request. If you wish to inspect the register, please contact your broker. About Credit Representatives Your broker is authorised to engage in credit activities by Aggregator Pty Ltd. The licensee shares responsibility in the conduct of your broker. Commonly used lenders The list below documents the 6 lenders most commonly used by your by your broker broker. The lenders disclosed below may be different to the lenders that the licensee has already disclosed. This may be due to different accreditation requirements or different types of consumers. The list below does not necessarily reflect all the financial institutions that your broker is able to conduct business through. However, if less than 6 lenders are displayed below, this is a summary of the lenders that the broker is able to utilise for loan submission purposes Financial Institutions 1. Suncorp 2. Commonwealth Bank 3. Westpac 4. Macquarie Bank 5. Bankwest 6. ANZ Payments to the broker Your broker may receive a whole or part of the commissions received How are we paid? by the licensee referred to above. This may be paid to your broker directly or indirectly from the licensee. You may obtain from us information about a reasonable estimate of those commissions and how the commission is worked out if you wish. Commissions are paid based on a percentage of the loan balance that s drawn down; which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to your broker by lenders may vary. By following the responsible lending requirements your broker will ensure the loan recommended to you is not unsuitable for your situations and objectives. Fees payable to third The information set out in the table for the licensee also applies to parties by your broker your broker with regards to referral fees. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out. Page 4 of 7Complaints Irrespective of our status as a licensee, representative or credit representative, our reputation is built on matching the appropriate product(s) to the individual's requirements. We go to great lengths to ensure satisfaction with our services and offerings. However, there may be instances from time to time, where applicants may be dissatisfied with the outcomes of our consultation process. If you have a complaint about the service that we provide, the following steps or avenues for resolution are available to you. Step 1 Most complaints arise from miscommunication and can usually be fixed quickly. So, please contact your broker first and express your concerns. Step 2 If the issue is not satisfactorily resolved within 5 working days by talking with your broker we will apply our internal complaints process to manage your complaint appropriately. In this instance, the complaint will be internally escalated to our Complaints Officer. You may also contact the Complaints Officer directly. Complaints Officer Name Steve Nickenoffski Phone 02- 5-555 6666 Email steve@mortgagebroker.netau Address 181 Regent Road Penrith 2750 Note: In some instances your broker may also be fulfilling the role of the Complaints Officer. This will not affect the capacity to have your complaint dealt with appropriately. By using our internal complaints process we hope to assist you to resolve your complaint quickly and fairly. The maximum timeframe in which to provide a written response to you is 45 days, although in pursuit of best practice and the reputation of our organisation, we aim to resolve these issues in a much shorter time frame. Step 3 Although we try hard to resolve a customer's concern in the most considerate and direct manner, if you are not completely satisfied after the above steps have been attempted, you still have other avenues available to resolve the dispute. This is then managed externally and independently. This external dispute resolution (EDR) process is available to you, at no cost. Two EDR schemes may be listed below. This indicates that the Credit Representative and their authorising Licensee are both required to be members (independently) of an ASIC approved EDR scheme. Where a Credit Representatives EDR is displayed, please contact that EDR scheme in the first instance for complaint escalation. EDR (Licensee) EDR (Credit Representative) Name AFCA AFCA Phone 1800 931 678 1800 931 678 Address Australian Financial Complaints Australian Financial Complaints Authority GPO Box 3 Authority GPO Box 3 Melbourne VIC 3001 Melbourne VIC 3001 Page 5 of? Things you should know We don't make any promises about the value of any property you finance with us or its future prospects. You should always rely on your own enquiries. We don't provide legal or financial advice. It is important you understand your legal obligations under the loan, and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan oontract. Signature Broker Name 8: Date: Client Name & Date: Client Name & Date: Page 6 of? Privacy Disclosure Statement and Consent Each consent given in this document continues until withdrawn in writing. Privacy Disclosure Statement and Consent I/we consent to you using Personal Information, financial information and Oredit Information about me/us for the purpose of arranging or providing credit, insuring credit, and for direct marketing of products and services offered by you or any organisation you are affiliated with or represent each of which may contact me/us for such a purpose including by telephone and electronically. In this document "you" means each of Aggregator Pty Ltd, the Appointed Oredit Service Provider and their organisation and any assignees or transferees of the commissions relating to any credit provided to me arranged by the Appointed Oredit Service Provider or their organisation. In this document, Personal Information' includes any sensitive information (including health information) and any information I/we tell you about any vulnerability I/we may have. The Personal Information provided by me/us will be held by you. I/We can obtain a copy of Aggregator Pty Ltd's Privacy Policy at www.aggregator.net.au. Your privacy policy contains information about how I may access or seek correction of my Persona Information, how you manage that information and your complaints process. If I/we do not provide the requested Personal Information, I/we acknowledge that you may be unable to assist in arranging finance or providing other services. You may disclose Personal Information about me/us to the following types of entities, some of which may be located overseas (including in USA, Canada, Malaysia, India, Ireland, the United Kingdom and the Philippines): any persons who provide credit or other products or services to us, or to whom an application has been made for those products or services; any financial consultants, accountants, lawyers and advisers; any industry body, tribunal, court or otherwise in connection with any complaint; . any person where you are required by law to do so; any of your associates, related entities or contractors (including printing/publication/mailing houses, IT service providers, cloud storage providers, lawyers/accountants); `our referees, such as our employers, to verify information we have provided; . any person considering acquiring an interest in your business or assets; and . any organisation providing online verification of our identities Credit Information I /we hereby authorise you to receive Credit Information from any lender about our credit affairs, and to provide any relevant real estate agent, lawyer, conveyancer, agent or person authorised by me access to my Credit Information, with details of whether finance has been approved for us, and if it has, the terms of that approval, including providing a copy of any approval letter. I/we appoint you as our agent and authorise you to obtain our Credit Information (including both consumer and commercial credit reporting and eligibility information) from a credit reporting body on our behalf. You are authorised to use that Credit Information to assist you to provide services, including credit assistance, to me/us and to assist me/us to apply for credit. In this document 'Credit Information' includes information such as my/our identity information, the type, terms and maximum amount of credit provided to me/us, repayment history information, default information (including overdue payments), court information, new arrangement information, personal insolvency information, disciplinary proceedings, complaints, delinquency, fraud investigations and details of any serious credit infringements. Receiving Information Electronically I/We consent to receiving credit assistance documentation and loan application information electronically. I/We acknowledge and agree that paper documents may no longer be given, electronic communications must be regularly checked for documents and this consent to receive electronic communications may be withdrawn at any time. Full Name of Applicant 1 Signature of Applicant 1 Date Full Name of Applicant 2 Signature of Applicant 2 Date Full Name of Applicant 3 Signature of Applicant 3 Date Full Name of App Signature of Applicant 4 Date Name of Appointed Credit Service Provider Name and contact details of Appointed Credit Service Provider's Organisation (if applicable) including address/email/phone no. Page 7 of 7ASSESSMENT TASKS - ASSIGNNENT 1 LOAN APPLICATION COVER SHEET Date: ............................................................... No. of Pages: ............................ Broker Name: ............................................................................................................................. Broker contact: ................................................................................................ (phone/fax) ..................................................................................................... (mobile) Borrowers: ................................................................................................................. Loan Type: ........................................................ Loan Amount: .............................. Loan Term: ........................................................ Interest Rate: .............................. Loan Purpose: ................................................................................................................. Deposit: ........................................................ Equity: ......................................... Security Details: ................................................................................................................. Estimated LVR: ................................................................................................................. Names on Title: ................................................................................................................. Valuation Details: ................................................................................................................. Income/Employment Details: ..................................................................................................... Recommendation: ................................................................................................................. Attach ments: ................................................................................................................. ............................................................... (Broker signature) Copyright 2021) The National Finance Institute V.110821 \fANZ MORTGAGE BROKER DISTRIBUTION - LOAN APPLICATION COVER SHEET ANZ Please submit via Online Document Submission in the Broker Portal. APPLICATION NUMBER (Office Use Only) PH: 1800 812 785 Number of pages included Business Development Manager Please complete entire application in BLOCK letters. APPROVED ORIGINATOR DETAILS AND AUTHORISATION LOAN INTERVIEW DIARY NOTE AO SAO Name(s) of customer(s) present Approved Originator Company/ Firm Name Location of interview Date of interview Title and Name Preferred Number Were all applicants interviewed in person? Phone Number Fax Number If not, please indicate who was DY ON VIC/TAS NSW/ACT QLD SA/NT OWA Authorised Officer/Contact Name Date Sent Do all of the customers appear to clearly understand English DY ON If No to above, have the services of an LICANT SUMM interpreter been recommended? JY ON Applicant's Name Do all of the customers clearly benefit from taking out this loan Y ON Nominated ANZ Branch for Loan Account (if unknown, insert suburb) If No to above question, what enquiries have been made to ascertain the BSB: 01 level of benefit to each party to the loan? Has the customer completed the Customer Identification Procedure at an ANZ Branch? (ANZ cannot settle the loan until this requirement is met) Yes No Finance Clause Expiry Date Estimated Settlement Date LO Doc 60 Lock Rate The ANZ Lock Rate Fee Payment Provide details of any other pertinent information obtained during the loan Authorisation Form MUST be interview which may be of interest to ANZ or any unusual circumstances you completed. may wish to record. First Home Buyer Interest in Advance LMI (please indicate if this application or any linked application involve Lenders Viortgage Insurance) COMMERCIAL (please indicate if this application has a linked Commercial application) NEW Resident (please indicate if the customer has recently arrived in Australia and is not yet a citizen or permanent resident) NON Resident (please indicate if the customer is a foreign national and resides overseas) STAFF (please indicate if the customer is an ANZ staff member) Page 1 of 15ANZ MORTGAGE BROKER DISTRIBUTION - LOAN APPLICATION COVER SHEET Section 1. Refinances Is the application a refinance of Other Financial Institution (OFI) Lending? Yes No If No, skip below to Section 2. Significant changes in future financial circumstances Reason for refinancing (please select) Reduce/simplify repayments Convenience and flexibility Dissatisfaction with service at current lender More competitive pricing Specific features and products Other (please specify) Refinancing costs: 1. Has the customer obtained a verbal payout quote from the OFI? Yes No 2. If No, recommend customer obtain quote as costs to refinance may be considerable and may change significantly. Amounts: Current outstanding balance plus accrued interest Plus estimated OFI refinancing cost (costs imposed by other financial institutions): e.g.: early repayment fees, break fees, loan transfer fee Loan Approval Fee and discharge fees etc Total amount to refinance Section 2. Significant changes in future financial circumstances Are there any circumstances that the customer is aware of that could affect their ability to repay this loan? For example: Temporary reduction in income Permanent/Long term change in income - Anticipated large expenditure No If No, skip to Section 3. Further investment in shares or managed funds Yes Please specify: If Yes, how does the customer plan to meet repayments during this reduced income period? Please select: Securing additional income Use of Savings Reducing expenditure Sale of Assets If the customers have no plan to meet changed circumstances: Complete Statement of Financial Position (SP) to reflect changes in customer's circumstances, and Recommend customer seek financial advice Section 3. Further investment in shares or managed funds Is loan for investment in shares or managed funds? Yes No If Yes, will the shares or managed funds purchased be used as a security for a margin loan? Yes No If Yes: Recommend customer seeks independent advice from a Financial Advisor Ensure margin loan liability and repayments are included in the Statement of Financial Position. Section 4. Interest Only Reason for customer preferring Interest Only: Investment or future investment Maximise cash flow Temporary reduction in income, e.g. parental leave Anticipated large expense items Other Please specify: Page 2 of 152.1 ANZ MORTGAGE - LOAN APPLICATION PERSONAL AND EMPLOYMENT DETAILS (P1 OF 2) PERSONAL DETAILS PRIMARY APPLICANT PERSONAL DETAILS CO-APPLICANT Applicant Director/ Partner Guarantor Trustee Applicant Director/ Partner Guarantor Trustee Title Surname Title Surname First name Middle name First name Middle name (Please note: this name appears on the Letter of Offer) (Please note: this name appears on the Letter of Offer) Date of birth Gender Permanent Australian Date of birth Gender Permanent Australian OM OF OM OF DY ON Drivers licence number State Drivers licence number State Current housing situation Current housing situation Boarding Own home Renting With parents Caravan Boarding Own home Renting With parents Caravan Other: other: Marital Status Single Married or De facto Marital Status Single Married or De facto Name of spouse Name of spouse No. of dependants Age (in years) of dependants No. of dependants Age (in years) of Home Phone Number Business Phone Number Home Phone Number Business Phone Number Mobile Phone Number Fax Number Mobile Phone Number Fax Number ADDRESS DETAILS (MINIMUM 2 YEAR HISTORY) ADDRESS DETAILS (MINIMUM 2 YEAR HISTORY) Current Address: Street (No. & Name) Current Address: Street (No. & Name) Suburb State Suburb State Postcode Country Postcode Country Time at current address Years Months Time at current address Years Months (If less than 2 years, previous address must also be included) (If less than 2 years, previous address must also be included) Previous Address Details Previous Address Details Street (No. & Name) Street (No. & Name) Suburb State Suburb State Postcode Country Postcode Country MAILING ADDRESS DETAILS (IF DIFFERENT) MAILING ADDRESS DETAILS (IF DIFFERENT) Street (No. & Name) Street (No. & Name) Suburb State Suburb State Postcode Country Postcode Country Page 3 of 152.1 ANZ MORTGAGE - LOAN APPLICATION PERSONAL AND EMPLOYMENT DETAILS (P2 OF 2) EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY) Employment type Full Time Part Time Casual SeIfEmployed Not Employed Occupation EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY) Employment type Full Time Part Time Casual Self Employed Not Employed Occupation Currently under a probationary period Yes No Length of probationary period Current Employer's Name Currently under a probationary period Yes No Length of probationary period Current Employer's Name ABN ABN Street (No. 8: Name) Street (No. 8: Name) Suburb State Suburb State Postcode Country Postcode Country Phone Number Time at current employer Years Months (lfless than 2 years, previous employer must also be included) Previous Employer Phone Number Time at current employer Years Months (lfless than 2 years, previous employer must also be included) Previous Employer Occupation Occupation Time at current employer i Years Months Time at current employer Years Months Page40fl 2.2 ANZ MORTGAGE - LOAN APPLICATION SECURITY DETAILS PLEASE PHOTOCOPY FOR ADDITIONAL SECURITIES SECURITY DETAILS - ONE SECURITY DETAILS - TWO Security type Security type Registered Mortgage 2nd Mortgage Guarantee Registered Mortgage 2nd Mortgage Guarantee other other Security given by Security given by Current Address: Street (No. & Name) Current Address: Street (No. & Name) Suburb State Suburb State Postcode Country Postcode Country Property Purchase Y ON On Market Transaction Y N Property Purchase DY ON On Market Transaction Y N Off the Plan JY ON Off the Plan JY ON Property Status Property Status Established New To be Built Vacant Land Established New To be Built Vacant Land Property Tenure Property Use Property Tenure Property Use Freehold Leasehold Other Owner Investment Freehold Leasehold Other Downer Investment Property Zoning Property Zoning Commercial Industrial Residential Rural Commercial Industrial Residential Rural Rural Life Rural Residential Other Rural Life Rural Residential Other Property Type Property Type Standard Residential Standard Residential Studio / Warehouse Apartments Studio / Warehouse Apartments Multi-dwellings on One Title Multi-dwellings on One Title 1 Bedroom small sized (50m?) University Apartments/Student Accommodation (>50m?) Rural Residential Housing/Rural Housing (>10 hectares) Rural Residential Housing/Rural Housing (>10 hectares) Vacant Land Vacant Land ACT Leasehold ACT Leasehold Property Development Property Development Company Title Units Company Title Units Title Type Title Details Title Type Title Details Torrens Old Law Torrens Wold Law Security Value Guarantee Amount Security Value Guarantee Amount $ $ $ Contract of Sale Held Y ON Contract of Sale Date Contract of Sale Held DY ON Contract of Sale Date Construction Loan JY ON Construction Loan LY ON SOLICITOR DETAILS Name Address Company Suburb State Phone Number Fax Number Postcode Country Page 5 of 152.3 ANZ MORTGAGE - LOAN APPLICATION LOAN SELECTION PLEASE PHOTOCOPY FOR SEPARATE PURPOSE Portfolio - Please download and complete 2.3.1 ANZ Mortgage Distribution - Loan Application Portfolio Details and Sub-account selection. LOAN DETAILS LOAN TYPE Loan Purpose L owner Occupied Investment Purchase Land Purchase New Dwelling Loans in a company/Trust name Land Home Improvement Bridging PRODUCT Refinance Supplementary Standard Variable Simplicity PLUS Construction Debt Purchase (QLD only) Fixed Rate Equity Manager Purchase Established Dwelling Equity Manager - no cheque Other: ... NOTE: Please specify product for split loan under Loan Details. Description Total Amount Sought Approval in Principle Sought S LOAN DETAILS - ONE LOAN DETAILS - TWO Product and Amount Product and Amount S S Loan term sought (this loan) years Loan term sought (this loan) years Fixed Rate term (if applicable) years Fixed Rate term (if applicable) years Lock Rate Y N Progressive Draw Y ON Lock Rate DY ON Progressive Draw DY ON NOTE: Rate is not locked until payment of the Lock Rate Fee is received by ANZ NOTE: Rate is not locked until payment of the Lock Rate Fee is received by ANZ Interest-Only term (if applicable) years Interest-Only term (if applicable) years Repayments frequency Weekly Fortnightly Monthly Repayments frequency Weekly Fortnightly Monthly Frequency for RIL Interest-in-Advance only Frequency for RIL Interest-in-Advance only Monthly Quarterly Half-yearly Annually Monthly Quarterly Half-yearly Annually Statement cycle Statement cycle Monthly Quarterly Half-yearly Monthly Quarterly Half-yearly Security to Product (address) Security to Product (address) OFFSET OFFSET . Does the customer wish to link a current ANZ One (Offset) Account? . Does the customer wish to link a current ANZ One (Offset) Account? Y N If Yes, insert Account Number (if known) Y N If Yes, insert Account Number (if known) FEE DISBURSEMENT FEE DISBURSEMENT Capitalised Lenders Mortgage Insurance OY ON Capitalised Lenders Mortgage Insurance DY ON If you choose 'Y' the LMI will be automatically If you choose 'Y' the LMI will be automatically added to the loan amount requested) added to the loan amount requested) NOTE: All Bank, Security/Government fees and charges and Lenders Mortgage NOTE: All Bank, Security/Government fees and charges and Lenders Mortgage Insurance (if applicable) will be deducted from the total loan amount requested Insurance (if applicable) will be deducted from the total loan amount requested and and automatically disbursed at Settlement (unless Lock Rate selected). automatically disbursed at Settlement (unless Lock Rate selected). REFINANCE DETAILS (IF APPLICABLE) Other Financial Institution (OFI) Other Financial Institution (OFI) OFI Account Number OFI Amount OFI Account Number OFI Amount $ $ Page 6 of 152.4 ANZ MORTGAGE - LOAN APPLICATION ANZ BREAKFREE PACKAGE (P1 OF 3) TO BE COMPLETED ONLY FOR ANZ BREAKFREE PACKAGE This form must be completed in full to ensure efficient processing Application Number Existing ANZ Breakfree Package Customer? If Yes, add to existing package OR Open a new package (please complete below sections 1A, 1B and 1C) For NEW BREAKFREE CUSTOMERS: NOMINATION OF MANDATORY ACCOUNTS I/We nominate the following Nominated Accounts, as specified in section 1A, 1B and 1C. (Please note that each applicant under the ANZ Breakfree Package must be an account holder (either jointly or alone) for at least one of the Nominated Accounts. Refer to the ANZ Breakfree Terms and Conditions for full details. 1A. NOMINATED LOAN ACCOUNT(S) List all ANZ Home and Investment Loans held by the applicants (either individually or jointly), to be eligible for Total Lending Discounts on the Nominated Loan Accounts being linked to the Package by this request. Account Holder(s Account Number(s) Current Loan Balance(s) Total ANZ Mortgage Lending 1B. NOMINATED TRANSACTION ACCOUNT (PLEASE SELECT ONE) Note: The Annual package fee will be charged to your Nominated transaction account once your loan is drawn. Transaction account must be ANZ Access Advantage account, ANZ One account or ANZ Equity Manager facility. I/We will need to open a new transaction account as part of this Package (please contact an ANZ Branch to organise; transaction account must be opened before Settlement date) OR I/We will nominate the following ANZ Transaction Account as part of this Package. Account Number Account Holder(s) Optional ANZ Assured facility (please select one). Usually we suggest ANZ Assured to provide cover for temporary expenses arising on your ANZ Everyday account. Is this what you are planning to use ANZ Assured for? Yes No 1) I/We do not require an ANZ Assured facility OR already have an ANZ Assured facility. I/We require an ANZ Assured facility with a credit limit of (please select one) |] $500 $1,000 and request that it be linked to the above account If applying for the $1,000 limit and you do not meet the credit product requirements for the $ 1,000 limit you have applied for, do you consent to being considered for, and if approved, issued with a $500 limit? Yes LI No, only consider me for a $ 1,000 limit and if declined, do not consider me for a $500 limit. I/We acknowledge that the ANZ Assured & Personal Overdraft - Terms and Conditions govern any use of an ANZ Assured facility. If ANZ accepts my/our application for ANZ Assured, I/we understand that ANZ will provide me/us with these Terms and Conditions. Page 7 of 152.4 ANZ MORTGAGE - LOAN APPLICATION ANZ BREAKFREE PACKAGE (P2 OF 3) 1C. NOMINATED CREDIT CARD ACCOUNT - Note: To avoid delays in the receipt of credit cards, please ensure Option 1, 2 or 3 is completed IN FULL Note: If you do not select a card account type below for Option 1 or Option 3, the ANZ Platinum account will be selected as your Nominated credit card account. if you do not nominate a Primary Cardholder for Option 1 or Option 3, Applicant 1 will be selected as the Primary Cardholder. New Card Account Required Option 1 I wish to apply for the credit card account selected below, with the understanding that the minimum credit limit for any ANZ platinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZ Frequent Flyer Black account is $ 15,000. My nominated amount for this card is $ but I understand that I may only be approved for the minimum credit limit for the credit card product selected, based on my application details. I understand that if my credit card application is approved, ANZ may provide me with a credit card regardless of whether I choose to accept or decline a home loan letter of offer. Any ANZ Breakfree package benefits associated with the credit card will only be available if I hold and continue to maintain eligibility for an ANZ Breakfree package. If you are making a joint application for ANZ Breakfree, you are requesting that your new credit card account be assessed based on the joint financial situation of all applicants. By choosing to apply for this new credit card: . each applicant agrees it is their intention for the credit card debt to be paid out of the joint income of the applicants; and . the person applying for the new credit card account acknowledges that, despite the above arrangement, he/she will remain legally responsible for the credit card account as the sole debtor. To assist me to decide which ANZ Credit Card I would like to apply for I have read ANZ's Information Sheet called"Key Facts About Our Credit Cards'. I am applying for the following credit card: ANZ Rewards Cards* ANZ Frequent Flyer Cards *# Low Rate Cards Low Annual Fee Cards ANZ Platinum Rewards ANZ Frequent Flyer Platinum JANZ Low Rate Platinum ANZ Platinum ANZ Rewards Black ANZ Frequent Flyer Black ANZ Rewards Travel Adventures Our other Rewards option, ANZ Rewards, Our other Frequent Flyer option, ANZ Our other low rate option, ANZ Low Rate, | Our other low annual fee option, ANZ is not available under the ANZ Breakfree Frequent Flyer, is not available under the is not available under the ANZ Breakfree First, is not available under the ANZ Package. ANZ Breakfree Package. Package. Breakfree Package. Remember, the annual account fee is waived on one eligible ANZ credit card while it is held under the ANZ Breakfree Package. You should consider this if you are intending to keep the card as your nominated card under the ANZ Breakfree package. + An annual Rewards Program Services Fee of $55 (induding GST) applies per cardholder for an ANZ Frequent Flyer or ANZ Rewards account. This fee is subject to change. # You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points with your ANZ Frequent Flyer account. A joining fee may apply. Please call Qantas on 13 11 31 if you are not a member. If you are applying for a new ANZ Rewards Black or ANZ Frequent Flyer Black account, or are upgrading your existing account to an ANZ Rewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum product if you don't meet the ANZ Rewards Black or ANZ Frequent Flyer Black account's credit and product requirements. Do you consent to being considered for, and if approved, issued the equivalent ANZ platinum account in these circumstances? Yes No Note: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use. Applicant's Name Existing Qantas Frequent Flyer membership number* Existing ANZ Credit Cardholders Option 2 I hold a current ANZ Credit Card account and I nominate this account as my/our Nominated Credit Card Account. Primary Cardholder Visa/MasterCard Card Number Option 3 I wish to upgrade to the credit card account selected below, with the understanding that the minimum credit limit for any ANZ platinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZ Frequent Flyer Black account is $ 15,000. I would like to apply for a credit limit increase to $ (only populate field if a credit limit increase is required) If my limit increase application is not approved (where requested), I nominate my current credit card (at the existing limit) as my eligible credit card. I confirm that my financial situation has not changed in the last three months and I can continue to afford the repayments on my existing ANZ credit card account. If you are making a joint application for ANZ Breakfree, you are requesting that your credit card account upgrade and/or credit limit increase application be assessed based on the joint financial situation of all applicants. By choosing to apply for this credit card account upgrade and/or credit limit increase application: each applicant agrees it is their intention for the credit card debt to be paid out of the joint income of the applicants; and the person applying for the credit card account upgrade and/or credit limit increase acknowledges that, despite the above arrangement, he/she will remain legally responsible for the credit card account as the sole debtor. I request you close my existing credit card and transfer the balance and any payment agreement/s to the card selected below and nominate this as my eligible credit card under my Breakfree Package. Page 8 of 152.4 ANZ MORTGAGE - LOAN APPLICATION ANZ BREAKFREE PACKAGE (P3 OF 3) I understand that my existing credit card account will be closed 14 days after ANZ receives this application or on activation of my new card, whichever is sooner and I will not receive a final statement on my existing account. I understand that it is my responsibility to re-direct any existing automatic payments to my new card account. To assist me in my decision to upgrade my existing ANZ Credit Card, I have read ANZ's information sheet called "Key Facts About Our Credit Cards". I would like to apply to upgrade my existing credit card account (specified below) Primary Cardholder Card Number I want to upgrade to: ANZ Rewards Cards ANZ Frequent Flyer Cards+ Low Rate Cards Low Annual Fee Card ANZ Platinum Rewards LANZ Frequent Flyer Platinum |ANZ Low Rate Platinum ANZ Platinum ANZ Rewards Black ANZ Frequent Flyer Black ANZ Rewards Travel Adventures Our other Rewards option, ANZ Rewards, |Our other Frequent Flyer option, ANZ Our other low rate option, ANZ Low Rate, | Our other low annual fee option, ANZ is not available under the ANZ Breakfree | Frequent Flyer, is not available under the | is not available under the ANZ Breakfree |First, is not available under the ANZ Package. ANZ Breakfree Package. |Package. Breakfree Package. Remember, the annual account fee is waived on one eligible ANZ credit card while it is held under the ANZ Breakfree Package. You should consider this if you are intending to keep the card as your nominated card under the ANZ Breakfree package + An annual Rewards Program Services Fee of $55 (induding GST) applies per cardholder for an ANZ Frequent Flyer or ANZ Rewards account. This fee is subject to change. # You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points with your ANZ Frequent Flyer account. A joining fee may apply. Please call Qantas on 13 11 31 if you are not a member. If you are applying for a new ANZ Rewards Black or ANZ Frequent Flyer Black account, or are upgrading your existing account to an ANZ Rewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum product if you don't meet the ANZ Rewards Black or ANZ Frequent Flyer Black account's credit and product requirements. Do you consent to being considered for, and if approved, issued the equivalent ANZ platinum account in these circumstances? Yes No Customers wishing to transfer from an ANZ Visa PAYCARD, ANZ Rewards Visa PAYCARD, or ANZ Everyday Visa Debit account are unable to use option 3 of this form as these accounts are not eligible. A new eligible account can be opened if option 1 is completed. Any ANZ Credit Cover Insurance Policy applicable to your existing card account will apply to your new credit card account. Note: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use. Unused Points Any unused Reward Points must be used within 60 days of the date of closure. Remaining unused Reward Points will be cancelled after that period. Any unused Qantas Points will automatically be credited to your Qantas Frequent Flyer account unless you have not provided ANZ with your Qantas Frequent Flyer number. ANZ must receive your Qantas Frequent Flyer membership number within 60 days after the date of closure, or any Qantas Points in the Points Record as at that date will be cancelled and may not be credited to a Qantas Frequent Flyer program account. Additional Cardholders Only complete if you wish to include an additional cardholder for your Nominated Credit Card Account (any existing additional cardholders will be automatically transferred to your new account). I have read and understood this application including the Declarations and Terms and Conditions Signature Name Date Please Note: A Credit Card Key Facts Sheet should have been included with this document. To view, visit www.anz.com or contact us on 13 22 73. Page 9 of 152.5 ANZ MORTGAGE - LOAN APPLICATION PERSONAL STATEMENT OF FINANCIAL POSITION ALL ARE AS MUST BE COMPLETED BY CUSTOMER / PLEASE PHOTOCOPY FOR ADDITIONAL APPLICANTS NAME(S) DATE ASSETS LIABILITIES Present value Limit(s) Current outstanding ANZ account(s) Total 5 ANZ Home Loan $ Other financial institution account(s) Total ANZ Investment Loan Other Cash Assets (Bonds) ANZ Overdraft Shares ANZ Personal Loan 10000OOO Non-continuing liability Property Assets (list Address & Value) OF|* Home Loan 5 OF|* Investment Loan $ OF|* Overdraft Credit / Store Cards Total Property Assets $ 0.00 Other liabilities Due Contribution paid to deposit on property Outstanding taxation Total Number of Motor Vehicles No. Other - please specify Total Value of Motor Vehicles Superannuateon Total Other Assets (eg insured value of contents Total liabilities (2) $ 0.00 and valuables, boat etc) - please specify Total Total assets (1) $0.OC $ al liabilities (2) $ 0.00 Total assets (1) $ 0.00 Net assets (=1-2) $ 0.00 INCOME (AVERAGE MONTHLY) Base salary Gross (p.a) Net (p.m.) Income earner 1 A separate Statement of Financial Position must be completed by Income earner 2 each applicant. Married or Defacto applicants have the option to complete a Joint Other income Statement of Financial Position. A separate Statement of Financial Regular overtime Position needs to be completed for Guarantors. Government benefits/ pension *OFI = Other Financial Institution Part-time/ casual employment Dividends/ Interest Commission Rent received Other - please specify $ 5 Total net monthly income (3) $ 0.00 Page 10 of 152.5 ANZ MORTGAGE - LOAN APPLICATION PERSONAL STATEMENT OF FINANCIAL POSITION ALL ARE AS MUST BE COMPLETED BY CUSTOMER / PLEASE PHOTOCOPY FOR ADDITIONAL APPLICANTS EXPENDITURE (AVERAGE MONTHLY) Credit commitments Other Commitments Loan repayment for this facility Child Maintenance Loan repayment for loan sought Child Maintenance/Child Support payments Loan repayment for other ANZ loans Insurance Combine all repayments for ANZ cludes health, life and income protection Home/Investment loans, Personal Loans excludes home and contents and car insurance as they are categorised separately) Loan repayment for OF|* loans Combine all repayments for OF Non-continuing liability Private Education Home/Investment loans and Personal Loans Private education fees and associated costs including all other non-ANZ loans (preschool, primary, secondary and tertiary) including books and uniforms etc. Credit/store cards Other Unique items not covered in above categories Total Credit Commitments (A) $ 0.00 (e.g Cleaner, Gardener, Gifts, Overseas Travel, Donations) Total Other Commitments (C) $ 0.00 Living Expenses Childcare / Public Education S Rent/Board (if continuing) (D) Childcare including nannies. Public education Rent or board expense if continuing ees and associated costs (preschool, primary, at drawdown of loan secondary) including books and uniforms (4) $ 0.00 Clothing and Personal Care Total net monthly expenditure Clothing, footwear, cosmetics, personal care (=A+B+C+D) Groceries Typical supermarket shop for groceries including food and toiletries Medical and Health Medical and health costs including doctor, dental optical and pharmaceutica Total net monthly income (3) $ 0.00 Owner Occupied Property Utilities, Rates and Related Costs less Total net monthly expenditure (4) levies, body corporate and strata fees, repairs and maintenance, home and Uncommitted monthly income (=3-4) $ 0.00 contents insurance, other household items and utilities Recreation and Entertainment Recreation and entertainment including alcohol, tobacco, gambling, restaurants, membership fees, pet care and holidays Telephone, Internet, Pay TV and Media Streaming Subscriptions Telephone accounts (home and mobile), internet, pay TV and media streaming subscriptions such as Netflix and Spotify) Transport Public transport, motor vehicle running costs $ ncluding fuel, motor vehicle insurance, servicing, parking and tolls Total Living Expenses (B) $ 0.00 DECLARATION OF SIGNATURE 1/ We declare that the details contained within this Personal Statement of Financial Position are true and correct. Signature of Applicant/Guarantor Dated (DD/MM/YYYY) Signature of Applicant/Guarantor Dated (DD/MM/YYYY) SEPARATE STATEMENT OF FINANCIAL POSITION TO BE COMPLETED BY EACH APPLICANT UNLESS MARRIED OR DE FACTO Page 11 of 15ANZ MORTGAGE BROKER DISTRIBUTION - LOAN APPLICATION APPLICANT/GUARANTOR DECLARATION In the following Declaration ANZ is Australia and New Zealand Banking Group Limited ABN 11 005 357 522 Australia Credit Licence Number 234527 and each of its related companies (incl subsidiaries). Throughout the Declaration, Qantas is Qantas Airways Limited ABN 16 009 661 901. Collection of your information ANZ is collecting your personal information to enable it to assess this application and for the purposes described in the product terms and conditions. Without this information ANZ may not be able to consider or approve your application. ANZ may also collect your personal information from a credit reporting body for the purposes of assessing your application. Where you are a prospective guarantor, ANZ is collecting your personal information to enable it to assess you as a guarantor for an application for credit. You also agree that ANZ may collect information about your credit hist