- MoneyMe.ListReady.D2C.Application

ListReady Credit Contract

This ListReady Credit Contract (the ‘Loan Contract’) for loan number 0 is made between the customer named below (‘you’ or ‘your’) and MONEYME Financial Group Pty Limited ACN 163 691 236, Australian Credit Licence 442218, of Level 3, 131 Macquarie Street, Sydney NSW 2000 (‘we’ or ‘us’ or ‘our’).

The Loan Contract is comprised of the Schedule together with the attached Terms and Conditions. You should read the Schedule, the Terms and Conditions and the Information Statement at the end of this document before signing this document and entering into this Loan Contract. We offer to make the loan described in this Loan Contract to you. By signing this document, you accept our offer and enter into this Loan Contract with us.

Capitalised words have a special meaning and are defined in the Schedule or in the Terms and Conditions.

SCHEDULE

Borrower Details

Customer 1 Details

Full name:
Date of Birth:
Email Address:
Signature:
Mobile Phone Number:
IP Address:
Execution Date:	04/04/2026

Financial Table

The following information is prepared as at 04/04/2026 (the ‘Disclosure Date’). This information may change before or after the date we first advance money to you (the ‘Loan Date’).

Amount of Credit (this is the maximum amount you may borrow under this loan)

$0.00

The Amount of Credit will be disbursed as follows:

We will pay the balance to you or as directed by you. All drawdowns under the loan must be made within 5 months of the Loan Date.

Repayment

Your repayment

One lump sum repayment made up of the Total Amount Owing, payable on the Repayment Date.

The Repayment Date is the earlier of:

• 3 days after the Settlement Date (see Special Condition below); and

• 6 months from the Loan Date.

Credit fees and charges

Unless otherwise stated, all fees and charges are non-refundable. We can debit your loan account with effect from the date the event occurs or we incur the expenses, and either require you to pay the fee or charge immediately, collect it with your regular repayments, or require it to be repaid by one or more repayments.

Monthly fee

2.25% of the Highest Monthly Loan Balance.

The monthly fee is payable monthly in arrears on the same day of each month as the Loan Date and on the Repayment Date.

If your monthly fee is payable on a day which is the 29th, 30th or 31st of a month with no such date, your monthly fee is due on the last day of the calendar month.

The Highest Monthly Loan Balance each calendar month is the highest total amount you have borrowed under this Loan Contract in that calendar month plus any accrued fees and charges under your loan.

A lower monthly fee may apply in some circumstances.

Dishonour fee

$15.00 payable each time a direct debit is dishonoured or your commitment to make a loan repayment is not met.

We can change any of the financial information described above without your consent, including the amount of a credit fee or charge or when it is due, and the amount of repayments, how they are calculated or when they are due. We may also introduce new credit fees or charges without your consent. We will inform you of any changes by electronic means. In making any changes, we will act reasonably.

Security

By signing this document, you grant us a mortgage and security interest over the Secured Property described below to secure your obligations under this Loan Contract.

You consent to us lodging a caveat over the Secured Property.

If the Secured Property is in Queensland, we may require you to execute and deliver to us appropriate Queensland Land Registry documents to enable us to record, register or protect the charge. You irrevocably appoint us as your attorney to execute any such documents if you fail to execute them with 7 days of our request. You also authorise third parties to act on a declaration or oath of the attorney as to any facts supporting the exercise of this power and to accept it as evidence of same.

Other information

Special conditions

1. The Settlement Date means the date that the sale of your property located at (Property) settles.

2. You warrant to us that the purpose of this loan is to pay for costs incurred in connection with the sale of the Property. Your loan can only be used to pay for the property-related expenses we inform you from time to time can be paid for using the loan.

3. You and your real estate agency (if any) are responsible for booking and delivering all services in connection with the sale of the Property. You acknowledge that we do not have any control over, and are not responsible for providing, any services in connection with the Property.

4. We are not liable for any actions, omission, negligence or breach of contract or law by your real estate agency (if any) or by any other third party providers engaged to undertake services in connection with the sale of the Property, or any loss that you may suffer, or any claim that you may have or bring against your real estate agency (if any) or any third party providers engaged to undertake the services.

You confirm that you have read and understand this Loan Contract, and agree to enter into this Loan Contract on the terms set out in the Schedule and the Terms and Conditions. You declare that the information provided in your loan application is accurate and not misleading. You understand and acknowledge that, when you click ‘Confirm and Submit’, you will be bound by the terms of this Loan Contract as though you signed it by hand.

We recommend that you get legal advice before signing this Loan Contract.

IMPORTANT

BEFORE YOU SIGN	THINGS YOU MUST KNOW
READ THIS CONTRACT DOCUMENT so that you know exactly what contract you are entering into and what you will have to do under the contract.	Once you sign this contract document, you will be bound by it. However, you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for which credit is to be provided under the contract, by telling the credit provider in writing, but you will still be liable for any fees or charges already incurred.
You should also read the information state-ment: ‘THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT’.	You do not have to take out consumer credit insurance unless you want to. However, if this contract document says so, you must take out insurance over any mortgaged property that is used as security, such as a house or car.
Fill in or cross out any blank spaces.	If you take out insurance, the credit provider cannot insist on any particular insurance company.
Get a copy of this contract document.	If this contract document says so, the credit provider can vary the annual percentage rate (the interest rate), the repayments and the fees and charges and can add new fees and charges without your consent.
Do not sign this contract document if there is anything you do not understand.	If this contract document says so, the credit provider can charge a fee if you pay out your contract early.

Customer signed this Loan Contract using the following details:

04/04/2026

SIGNED for and on the behalf of MoneyMe Financial Group Pty Limited, the credit provider:

04/04/2026

TERMS AND CONDITIONS

The Loan Contract

1.1.

These Terms and Conditions, together with the Schedule, form your Loan Contract with us.

1.2.

You should read the Schedule, these Terms and Conditions and the Information Statement at the end of this document before signing this Loan Contract and obtaining any credit from us.

1.3.

Capitalised words have a special meaning and are defined in the Schedule or at the end of this document.

Joint borrowers

2.1.

If there are two or more of you, each of you is individually liable, and all of you are jointly liable. This means we may take legal action against any one of you for all the outstanding amounts.

Each borrower can bind each other borrower. Each borrower will be liable even though they did not know about or did not agree to the transaction.

NOTE: This means that each one of you can be required to pay the whole amount owing even if you have some other arrangement among yourselves or not all of you benefit equally.

2.2.

Despite this clause, we may require all borrowers to authorise any activity with respect to your loan.

The loan

3.1

Subject to the terms of this Loan Contract, we agree to lend you the Amount of Credit.

3.2

We do not have to lend you the Amount of Credit or any other amount and may decide not proceed with this Loan Contract if:

(a)

you do not provide us with any documents or information required by us;

(b)

any document or information provided by you is found to be false, misleading or inaccurate;

(c)

we cannot verify the accuracy of any documents or information provided by you;

(d)

you have not obtained any of the Amount of Credit within seven days of the Disclosure Date; or

(e)

anything occurs which in our reasonable opinion makes proceeding with your loan undesirable.

3.3

You may terminate this Loan Contract at any time before the Loan Date.

NOTE: Until the Loan Date, we have the right to change the terms of this Loan Contract or to withdraw our offer to lend altogether. You may terminate this Loan Contract at any time before the Loan Date.

Credit fees and charges

4.1

You must pay all the credit fees and charges specified in the Schedule (as varied from time to time) when due.

4.2

If you repay us more than the Total Amount Owing, we may place the excess funds into a suspense account, deposit it with a bank, or pay it to you. We may not pay you interest on that amount.

Repayments

5.1

You must make the repayments specified in the Schedule, subject to any other repayment arrangements or variations agreed between us from time to time. You can make additional payments at any time.

5.2

At the end of the loan term, you must pay us the Total Amount Owing.

5.3

You must make payments by direct debit from your bank account or by any other reasonable method we direct from time to time, including from the release of the deposit or sale proceeds associated with the sale of the Property. You request and authorise us to arrange for your nominated bank account to be debited with any amount due by you under this Loan Contract.

5.4

The amount of each payment may include any applicable direct debit fees, taxes or charges relating to the payment method.

5.5

Payments will be credited to your loan account only when actually received by us. All payments must be made in full when they fall due, without setting off or deducting any amounts you believe we owe you, and without counterclaiming any amounts from us.

5.6

If any payment to us is dishonoured:

(a)

that payment will not be considered as having been made;

(b)

any applicable fees and charges specified in the Schedule (as varied from time to time) will become due and owing and can be debited to your loan account from the date that the direct debit was attempted; and

(c)

we may make further attempts to direct debit your account until the direct debit is successful.

5.7

If any payment is due on a non-business day, the payment must be made on or before the next business day.

5.8

You agree and consent to receiving a repayment reminder by SMS and/or email before your repayment is due to be debited. You also agree and consent to receiving a notiﬁcation by SMS and/or email if your direct debit is dishonoured. You acknowledge that these notiﬁcation(s) are for your convenience only for the purpose of managing your loan account and do not amount to a contact by us for the purpose of collection of repayments.

5.9

We can apply any payment or other credit, including a repayment, to any part of the Total Amount Owing in any order we determine.amounts you believe we owe you, and without counterclaiming any amounts from us

5.10

If you have more than one account with us, and you make a payment without telling us in writing how the payment is to be applied, we can apply to it to any one or more of the accounts in any way we think fit.

5.11

If any of your loan accounts are in arrears or default while one or more of your other loan accounts or accounts with us have funds available to be drawn, you request and authorise us to appropriate from any one or more of those accounts to pay some or all of your arrears. We are not obliged to do this.

Secured Property

NOTE: Your loan is secured by a mortgage and a security interest granted to us over the Secured Property. If you default under your loan, we make take possession of and deal with the Secured Property. You are liable or responsible for any loss of, or damage to, the Secured Property.

6.1

By signing this Loan Contract, you grant to us a mortgage and a security interest over the Secured Property to secure your obligations to us under this Loan Contract.

6.2

You agree to do anything we reasonably request to effect, more effectively secure, confirm and register the mortgage and security interest, including signing any documents.

6.3

You warrant that you own the legal title to the whole of the Secured Property.

Changes to your circumstances and contact details

You must notify us as soon as possible if any of the information provided by you in your application form or at any other time, including your contact details, changes.

Default

NOTE: The events which may cause you to default under your loan are listed below. You may default under your loan even if you have made all your payments.

8.1

If you breach any term of this Loan Contract or are in default under this Loan Contract, or if any Security is terminated or is of reduced force and effect:

(a)

we will not be obliged to provide you any further credit; and

(b)

we may rectify the breach or default by performing your obligations under this Loan Contract.

8.2

You will be in default under this Loan Contract if any of the following events occur:

(a)

you do not pay any amount due under this Loan Contract by the due date;

(b)

you become bankrupt, enter into a Part IX agreement pursuant to the provisions of the Bankruptcy Act 1966 (Cth), or become subject to any similar arrangement under any law;

(c)

we discover that any information provided by you is materially incorrect or misleading and is such that we would not have entered into this Loan Contract if we had known the correct information;

(d)

you use the loan for a purpose not approved by us;

(e)

you use the loan for an illegal or improper purpose, or to finance an illegal or improper activity;

(f)

we reasonably believe that we were induced by fraud to enter into this Loan Contract;

(g)

the Secured Property becomes subject to a mortgage or charge without our prior written consent (which will not be unreasonably withheld);

(h)

the Secured Property is substantially damaged or destroyed;

(i)

there is a material reduction in the value of the Secured Property; or

(j)

any other event agreed in writing by you to be an event of default for the purposes of this Loan Contract occurs.

8.3

Subject to clauses 8.4 to 8.6 inclusive and subject to any other requirement at law, at any time after you default, we can:

(a)

demand and require immediate payment of any money due under this Loan Contract;

(b)

call up the loan and require payment of the Total Amount Owing;

(c)

exercise any right or power conferred by law or this Loan Contract or any Security; and.

(d)

take possession of and deal with any Secured Property.

8.4

We will only act on a default other than a default under clause 8.2(a) if the default by its nature is material, or we reasonably consider that the default has had or may have a material impact

(a)

your ability to meet your financial obligations to us (or our ability to assess this);

(b)

our security risk (or our ability to assess this); or

(c)

our legal or reputational risk where an event in clause 8.2(c) or 8.2(d) occurs.

8.5

We will not require you to repay the Total Amount Owing or take enforcement action against you unless:

(a)

we have given you at least 30 days written notice of the default;

(b)

if the default is remediable, you have not remedied that default within 30 days; and

(c)

no default of the same type has arisen during that period.

8.6

We do not need to give you a default notice or wait 30 days before commencing enforcement action if:

(a)

we reasonably believe that we were induced by fraud by you to enter into this Loan Contract;

(b)

we have made reasonable attempts to locate you but without success; or

(c)

a court authorises us to begin enforcement proceedings.

8.7

You acknowledge that, if you are in default, subject to the requirements of the law, we may report your default or negative payment information to credit reporting bodies.

8.8

We can take action even if we do not do so promptly after the default occurs. We do not lose any rights or forgive any defaults unless we do so in writing.

8.9

We can exercise these rights with or without taking possession of any Secured Property. If we hold more than one Security, we can enforce any one of the securities first or all of them at the same time.

8.10

We can:

(a)

exercise all other rights permitted by this loan contract over the Secured Property, or which are authorised or permitted by law, including taking legal action against you;

(b)

execute any transfer, assignment, discharge or other instrument we consider necessary for the enforcement or protection of our rights. For that purpose, you irrevocably authorise us to sign all such transfers, assignments, discharges and other instruments in your name; and

(c)

give valid discharges for any amounts payable in relation to the sale of the Secured Property.

8.11

We are not liable for any loss caused by the exercise, attempted exercise, failure to exercise, or delay in exercising any of our rights or remedies, except where such loss arises from the mistake, error, fraud, negligence or wilful misconduct of us, our employees, our agents or a receiver we appoint.

Enforcement expenses

NOTE: If you default under your loan, enforcement expenses may be payable. This means that you may have to pay any of our reasonable costs incurred in maintaining the Secured Property, collection expenses and any other internal or external costs we incur as a result of your default.

9.1

Enforcement expenses may become payable if you default under or breach this Loan Contract and any Security. We may debit your loan account with our enforcement expenses at any time after they are incurred, and may then require you to pay these costs immediately (including by using any direct debit or similar authority you have given us), collect them with your regular repayments, or require them to be repaid by one or more repayments.

9.2

Enforcement expenses payable by you will not exceed our reasonable enforcement costs (including internal costs).

9.3

Enforcement expenses include our costs in preserving or maintaining the Secured Property (including insurance, rates and taxes payable in respect of any Secured Property), collection expenses, expenses resulting from dishonour of a payment, and any internal or external costs we incur as a result of you breaching this Loan Contract (including legal costs and expenses on a full indemnity basis or solicitor and own client basis, whichever is higher).

9.4

You indemnify us from and against any expense, loss, loss of profit, damage, or liability which we incur as a consequence of a breach or default occurring, except where such loss arises from the mistake, error, fraud, negligence or wilful misconduct of us, our employees, our agents or a receiver we appoint, or is otherwise recovered by us.

10.

Changes we can make to this Loan Contract

NOTE: We can make changes to this Loan Contract at any time. In making any changes, we will act reasonably. We will endeavour to give you reasonable notice of changes.

10.1

Acting reasonably, we can change or vary any term of this Loan Contract:

(a)

that deals with the day you make repayments or we debit interest to your loan account;

(b)

to accommodate a change in law or market practice;

(c)

to accommodate a change in technology or other ways of communication;

(d)

to accommodate a change in payment methods; or

(e)

to make any other reasonable change.

10.2

If you are not satisfied with any change or variation to this Loan Contract, you may repay the Total Amount Owing. We will not charge you any fees for terminating this Loan Contract.

10.3

We will give you:

(a)

not less than 30 days’ notice of a change to the manner in which interest is calculated or applied;

(b)

notice of a change to the interest rate(s) applicable to your loan not later than the day on which the change takes effect;

(c)

not less than 20 days’ notice of a change to the amount or frequency of your repayments;

(d)

not less than 20 days’ notice of a change to the fees and charges payable.

(e)

notice of a change to any government charge or tax not later than the day on which the change takes effect; and

(f)

not less than 30 days’ notice of any other change we make to this loan contract.

We may give you a shorter notice period or no notice if the change is not adverse to you or reduces your obligations. We will give you notice either in writing (including by electronic means) or by publishing a notice in a major newspaper. If notified by newspaper, the change will also be confirmed in your next statement of account. Any variation will take effect from the date specified in the notice of change we give you.

11.

General provisions

11.1

You must pay us any government duties, taxes and other charges on receipts, duties or withdrawals that apply to your loan. We may debit these duties, taxes and charges to your loan account as and when they become payable.

11.2

If any provision of this Loan Contract is illegal or becomes illegal at any time, the affected provision will cease to have effect, but the balance of this Loan Contract will remain in full force and effect, and we may by notice vary this Loan Contract so that the provision is no longer illegal.

11.3

To the extent that this Loan Contract is regulated under consumer legislation (for example, the National Credit Code) or any other law, any provision in this Loan Contract which does not comply with that law have no effect, and to the extent necessary, this Loan Contract is to be read so that it does not impose obligations prohibited by that law.

11.4

Subject to any applicable laws, we may give you any notice, statement, demand or court document (including any collection notice, default notice, court originating process or other court document) by:

(a)

giving it to you personally;

(b)

leaving it at or posting it to your residential address provided in your application form or as notified by you to us from time to time;

(c)

emailing it to your email address provided in your application form or as notified by you to us from time to time;

(d)

SMS or other means of electronic communication; or

(e)

any other way authorised by law.

11.5

No waiver of our rights or powers under this Loan Contract is effective unless made in writing. We may exercise all of its rights at any time and more than once.

11.6

We may at any time assign, novate or otherwise deal with our rights under this Loan Contract, any Security, and any document or agreement entered into or provided under or in connection with this Loan Contract in any way we wish. We may disclose information about you, this Loan Contract or any Security to anybody involved in an actual or proposed assignment, novation or dealing by us with our rights under this Loan Contract and any Security. Any dealing with our rights does not change your obligations under this Loan Contract or any Security in any way. You cannot assign, novate or otherwise deal with your rights or obligations under this Loan Contract, and Security, and any document or agreement entered into or provided under or in connection with this Loan Contract.

NOTE: We may at any time assign or otherwise deal with our rights and obligations under your loan without your consent and without notifying you first. We may disclose information about you, this Loan Contract or any Security to any third party involved in an actual or proposed assignment or dealing by us, and that disclosure may be in a form that may enable that third party to identify you.

11.7

If we are required by the National Credit Code to send you a statement of account, we will do so every six months or more frequently if required by law.

11.8

This Loan Contract is governed by and interpreted in accordance with the law for the time being in force in the place shown as your address in the Schedule.

12.

Access to your bank accounts

This clause 12 applies if you agreed to provide us with viewing access to one or more of your bank accounts.

NOTE: If you agree to allow us to access your bank account transaction information, we may disclose information about you to any third party service provider that assists us to do so, and that disclosure may be in a form that may enable that third party to identify you.

12.1

You conﬁrm that you have provided true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you have not misrepresented your identity or your account information.

12.2

We may access your bank account transaction information at any time during the term of your loan. When we access your bank account transaction information, we will access your bank account transaction information going back for a period of at least 90 days from the date of access (‘Transaction History’) using the services of illion Australia Pty Ltd trading as illion BankStatements (‘illion’).

12.3

We may use your Transaction History to assess your creditworthiness, whether the loan you seek is suitable for you, for ongoing account management (including veriﬁcation of account information), and if you are in default.

12.4

By agreeing to provide us with viewing access to your Transaction History, you authorise illion and illion's service providers to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements. illion and illion's service providers may, and are instructed by you as your agent and nominated representative, to access third party internet sites, servers or documents, retrieve information, and use your information with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities

12.5

Your Transaction History will also be used by illion for credit reporting body purposes and may be taken into account when producing your individual credit score, which may be shared with other organisations as part of your credit record.

12.6

When we, illion or illion's service providers access and retrieve information and Transaction History from third party sites, this is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider). Third party account providers will be entitled to rely on this authorisation and agency granted by you. This service is not endorsed or sponsored by any third party bank account providers.

12.7

Allowing us to review your Transaction History is at your sole risk. We are only able to review your Transaction History on an ‘as is’ and ‘as available basis’ as it is made available to us by service providers. It may not be available to us from time to time.

13.

Definitions and interpretation

13.1

In this Loan Contract, the following words are defined as follows.

(a)

Amount of Credit means the amount specified in the Schedule as varied from time to time.

(b)

Disclosure Date means the date specified in the Schedule.

(c)

Loan Contract means the loan contract which is comprised of the Schedule and these Terms and Conditions and includes any variations of that loan contract.

(d)

Loan Date means the date we first advance funds to you.

(e)

Secured Property means the property specified in Loan Contract and any other property subject to the Security.

(f)

Security means the security given by you under this Loan Contract that secures your obligations and any other security from time to time given to secure your obligations.

(g)

Total Amount Owing means the total amount outstanding from time to time in respect of all your accounts provided under this Loan Contract, including all accrued fees and charges (including where applicable those that accrue on partial or total repayment), and includes any part of that amount.

13.2

In this Loan Contract:

(a)

a reference to the singular includes the plural;

(b)

a reference to a document includes any variation or replacement of it;

(c)

a reference to a person includes any other entity recognised by law

(d)

a reference to a person or to a party to this Loan Contract includes its successors and permitted assigns;

(e)

headings are for ease of reference only and not to assist interpretation; and

(f)

use of examples is illustrative of the context only and does not limit the natural meaning of the terms of this Loan Contract.

Form 5 - Information statement

paragraph 16(1)(b) of the Code regulation 70 of the Regulations

This statement tells you about some of the rights and obligations of yourself and your credit provider. It does not state the terms and conditions of your contract.

If you have any concerns about your contract, contact the credit provider and, if you still have concerns, the AFCA scheme, or get legal advice.

THE CONTRACT

How can I get details of my proposed credit contract?

Your credit provider must give you a precontractual statement containing certain information about your contract. The precontractual statement, and this document, must be given to you before –

• your contract is entered into; or

• you make an offer to enter into the contract,

whichever happens first.

How can I get a copy of the ﬁnal contract?

If the contract document is to be signed by you and returned to your credit provider, you must be given a copy to keep. Also, the credit provider must give you a copy of the ﬁnal contract within 14 days after it is made. This rule does not, however, apply if the credit provider has previously given you a copy of the contract document to keep.

If you want another copy of your contract, write to your credit provider and ask for one. Your credit provider may charge you a fee. Your credit provider has to give you a copy—

• within 14 days of your written request if the original contract came into existence 1 year or less before your request; or

• otherwise within 30 days of your written request.

Can I terminate the contract?

Yes. You can terminate the contract by writing to the credit provider so long as –

• you have not obtained any credit under the contract; or

• a card or other means of obtaining credit given to you by your credit provider has not been used to acquire goods or services for which credit is to be provided under the contract.

Can I pay my credit contract out early?

Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract.

How can I find out the pay out figure?

You can write to your credit provider at any time and ask for a statement of the pay out figure as at any date you specify. You can also ask for details of how the amount is made up.

Your credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement.

Will I pay less interest if I pay out my contract early?

Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits your credit provider to charge one) and other fees.

Can my contract be changed by my credit provider?

Yes, but only if your contract says so.

Will I be told in advance if my credit provider is going to make a change in the contract?

That depends on the type of change. For example –

• you get at least same day notice for a change to an annual percentage rate. That notice may be a written notice to you or a notice published in a newspaper.

• you get 20 days advance written notice for –

◦ a change in the way in which interest is calculated; or

◦ a change in credit fees and charges; or

◦ any other changes by your credit provider;

except where the change reduces what you have to pay or the change happens automatically under the contract.

Is there anything I can do if I think that my contract is unjust?

Yes. You should first talk to your credit provider. Discuss the matter and see if you can come to some arrangement.

If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted by phone on 1800 931 678, by email at info@afca.org.au, or in writing to GPO Box 3, Melbourne VIC 3001.

Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid.

You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at http://www.asic.gov.au.

Insurance

10.

Do I have to take out insurance?

Your credit provider can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. If you take out insurance, the credit provider can not insist that you use any particular insurance company.

11.

Will I get details of my insurance cover?

Yes, if you have taken out insurance over mortgaged property or consumer credit insurance and the premium is ﬁnanced by your credit provider. In that case the insurer must give you a copy of the policy within 14 days after the insurer has accepted the insurance proposal.

Also, if you acquire an interest in any such insurance policy which is taken out by your credit provider then, within 14 days of that happening, your credit provider must ensure you have a written notice of the particulars of that insurance.

You can always ask the insurer for details of your insurance contract. If you ask in writing, your insurer must give you a statement containing all the provisions of the contract.

12.

If the insurer does not accept my proposal, will I be told?

Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected.

13.

In that case, what happens to the premiums?

Your credit provider must give you a refund or credit unless the insurance is to be arranged with another insurer.

14.

What happens if my credit contract ends before any insurance contract over mortgaged property?

You can end the insurance contract and get a proportionate rebate of any premium from the insurer. Mortgages

Mortgages

15.

If my contract says I have to give a mortgage, what does this mean?

A mortgage means that you give your credit provider certain rights over any property you mortgage. If you default under your contract, you can lose that property and you might still owe money to the credit provider.

16.

Should I get a copy of my mortgage?

Yes. It can be part of your credit contract or, if it is a separate document, you will be given a copy of the mortgage within 14 days after your mortgage is entered into.

However, you need not be given a copy if the credit provider has previously given you a copy of the mortgage document to keep.

17.

Is there anything that I am not allowed to do with the property I have mortgaged?

The law says you can not assign or dispose of the property unless you have your credit provider’s, or the court’s, permission. You must also look after the property. Read the mortgage document as well. It will usually have other terms and conditions about what you can or can not do with the property.

18.

What can I do if I ﬁnd that I can not aﬀord my repayments and there is a mortgage over property?

See the answers to questions 22 and 23.

Otherwise you may—

• if the mortgaged property is goods — give the property back to your credit provider, together with a letter saying you want the credit provider to sell the property for you;

• sell the property, but only if your credit provider gives permission ﬁrst; OR

• give the property to someone who may then take over the repayments, but only if your credit provider gives permission ﬁrst.

If your credit provider won’t give permission, you can contact the AFCA scheme for help.

If you have a guarantor, talk to the guarantor who may be able to help you.

You should understand that you may owe money to your credit provider even after the mortgaged property is sold.

19.

Can my credit provider take or sell the mortgaged property?

Yes, if you have not carried out all of your obligations under your contract.

20.

If my credit provider writes asking me where the mortgaged goods are, do I have to say where they are?

Yes. You have 7 days after receiving your credit provider’s request to tell your credit provider. If you do not have the goods you must give your credit provider all the information you have so they can be traced.

21.

When can my credit provider or its agent come into a residence to take possession of mortgaged goods?

Your credit provider can only do so if it has the court’s approval or the written consent of the occupier which is given after the occupier is informed in writing of the relevant section in the National Credit Code.

General

22.

What do I do if I can not make a repayment?

Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways—

• to extend the term of your contract and reduce payments; or

• to extend the term of your contract and delay payments for a set time; or

• to delay payments for a set time.

23.

What if my credit provider and I can not agree on a suitable arrangement?

If the credit provider refuses your request to change the repayments, you can ask the credit provider to review this decision if you think it is wrong.

If the credit provider still refuses your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 25.

24.

Can my credit provider take action against me?

Yes, if you are in default under your contract. But the law says that you can not be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice.

25.

Do I have any other rights and obligations?

Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully.

IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER, YOU CAN CONTACT THE AFCA SCHEME OR GET LEGAL ADVICE.

THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. THE AFCA SCHEME CAN BE CONTACTED BY PHONE ON 1800 931 678, BY EMAIL AT INFO@AFCA.ORG.AU, OR IN WRITING TO GPO BOX 3, MELBOURNE VIC 3001.

PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

DIRECT DEBIT REQUEST

To:	Zepto Payments Pty Ltd (User ID 543949)
Address:	1/20 Porter Street, Byron Bay NSW 2481

	Family Name	Given Name(s)
I

authorise and request you to debit any of my nominated accounts identified below with any amounts which may be due by me to MONEYME Financial Group in connection with my personal loan through the Bulk Electronic Clearing System (BECS). This debit will be subject to the terms and conditions of the Direct Debit Request Service Agreement attached.

NOMINATED ACCOUNTS TO BE DEBITED

I consent to you debiting the below nominated account (my primary account) for any amounts which may be due by me to MoneyMe Financial Group.

Name of Financial Institution

Name of Account Holders (or Account Title)

BSB

ACCOUNT No.

Where my primary account is no longer available due to insufficient funds, closure or suspension of the account, or for any other reason, I consent to you debiting any of the below nominated accounts which are held with the same financial institution for any amounts which may be due by me to MONEYME Financial Group.

Name of Account Holders (or Account Title)

BSB

ACCOUNT No.

Name of Account Holders (or Account Title)

BSB

ACCOUNT No.

Name of Account Holders (or Account Title)

BSB

ACCOUNT No.

General

The Direct Debit Request will be used to debit amounts due by you under your loan contract with MONEYME Financial Group (MONEYME). MONEYME can debit your nominated account a number of times in order to collect money due to it.

If a payment falls due on a non-business day, the amount will be debited on the next business day. If you are uncertain when a debit will be processed to your nominated account, you should contact MONEYME.

MONEYME may vary the purpose for which the Direct Debit Request is used or the terms of the Direct Debit Request or this Direct Debit Request Service Agreement by giving you at least 14 days notice.

All information relating to you and your nominated account will be kept confidential subject to any consents you have granted. MONEYME may disclose information for the purpose of resolving any disputed payment or claim.

You may not terminate the Direct Debit Request without MONEYME’s consent. You may terminate the Direct Debit Request by providing MONEYME with at least five business days’ notice by contacting MONEYME on 1300 669 059. You may also contact your financial institution.

You may request a stop to any individual debit by providing MONEYME with at least five business days notice prior to the payment due date by contacting MONEYME on 1300 669 059. You may also contact your financial institution.

You may request deferment of or alteration to payments under the Direct Debit Request by contacting MONEYME at least five business days prior to the payment due date.

If you consider that a debit has been incorrectly made, you should contact MONEYME or your financial institution. MONEYME will determine whether the debit was correct, and if not, arrange for an adjustment. Claims may also be directed to your financial institution.

You must ensure there are sufficient clear funds available in your nominated account to meet each debit on its due date. You must advise MONEYME if your nominated account is transferred or closed. You should check your account statement to verify that the amounts debited from your account are correct.

10.

You should check with your financial institution whether direct debiting is available from your nominated account (as direct debiting is not available on all accounts offered by financial institutions). You should check the details of your nominated account which you have provided are correct by checking them against a recent account statement. If you have any queries about how to complete the Direct Debit Request, you should check with your financial institution before completing the Direct Debit Request.

11.

You must arrange a suitable alternate payment method with MONEYME if you wish to terminate the Direct Debit Request and MONEYME agrees to its termination.

12.

You must make suitable alternate payment arrangements with MONEYME before you close or change your nominated account.

13.

If a payment is dishonoured, you may be charged fees by your financial institution, you may incur fees under your loan contract with MONEYME, and you may be in default under that loan contract.

14.

MONEYME may assign this authority to anybody who takes over the ownership or running of your nominated account.

15.

We will keep all information in your direct debit request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information. We will only disclose information that we have about you to the extent specifically required by law or for the purpose of this agreement (including disclosing information in connection with any query or claim).