Risk management The following risks are considered to be significant and should be reviewed before any decision to proceed with the finance proposal: - Income reduction risk (employment job loss or illness) - Property risk (property market crash) - Financial product future changes risk - Economic and political future changes risk. It is recommended you implement the appropriate risk management strategies to manage these risk including having relevant insurances and savings. Loan Proposal Assessment 1. Requirements and Objectives I consider that the loan proposal satisfies the clients indicated Requirements and Objectives. Refer attached Clients Requirements and Objectives document. 2. Capacity to repay loan without financial hardship I consider that based on the information provided by the client and further enquiries, that the client can meet their financial obligations without substantial hardship. Refer attached Borrowing Capacity/ Serviceability calculations, Fact find document and financial calculations/assessments. 3. Loan Suitability I consider that based on the information provided by the client and further enquiries, that the loan proposal is Not Unsuitable for the client. Additional Broker information -The estimated commissions payable from the lender to the Broker are: (i) Initial commission $ xxx (ii) Trailing commission is paid monthly by the lender for the life of the loan and is calculated on the loan amount owing. The maximum monthly payment is es