form only applies to regulated loans | My Assignment Tutor

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 1 of 36APPROVED ORIGINATOR DETAILS AND AUTHORISATIONAO SAOApproved Originator Company/ Firm NameTitle and NamePreferred NumberPhone Number Fax NumberVIC/TAS NSW/ACT QLD SA/NT WAAuthorised Officer/Contact Name Date Sent Email AddressAPPLICANT SUMMARYApplicant’s NameNominated ANZ Branch for Loan Account (if unknown, insert suburb)BSB: 01 –PH: 1800 812 785ANZ HOME LOAN – BROKERLOAN APPLICATION COVER SHEETPlease complete entire application in BLOCK letters.APPLICATION NUMBER (Office Use Only)Number of pages includedApplication Type Lo Doc 60 Lock RateThe ANZ Lock Rate Fee PaymentAuthorisation Form MUST becompleted.First Home Buyer Interest in AdvanceLMI (please indicate if this application or any linked application involveLenders Mortgage Insurance)COMMERCIAL (please indicate if this application has a linked Commercialapplication)NEW Resident (please indicate if the customer has recently arrived inAustralia and is not yet a citizen or permanent resident)NON Resident (please indicate if the customer is a foreign national andresides overseas)STAFF (please indicate if the customer is an ANZ staff member) Has the customer completed the Customer Identification Procedure at an ANZ Branch? (ANZ cannot settle the loan until this requirement is met)Yes NoFinance Clause Expiry DateEstimated Settlement DateCUSTOMER INSTRUCTIONSOffsetDoes the customer wish to link a current ANZ One (offset) Account?Yes NoIf Yes, insert Account number (if known)SUBMISSION DETAILSOriginator Reference ID (LIXI companies only)ANZ Submission IDSubmission Date TimeSubmission MethodLIXI ANZ Online ApplicationsAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 2 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P1 OF 11)This form only applies to regulated loans that are secured over residential property. It should only be used where there is an application for a loan secured byresidential property and where the purpose is wholly or predominantly for:• personal, domestic or household purposes; or• to purchase, renovate or improve residential property for investment purposes or to refinance credit provided for that purpose.LOAN INTERVIEW DIARY NOTEName(s) of customer(s) presentHow was the interview conducted?In-person InterviewLocation of interview Date of interviewVideo Conference InterviewDate of interviewWere all applicants present during the interview?If not, please indicate who was present Y NDo all of the customers appear to clearlyunderstand English? Y NIf No to above, have the services of aninterpreter been recommended? Y NDo all of the customers clearly benefit fromtaking out this loan? Y NIf No to above question, what enquiries have been made to ascertain the level of benefit to each party to the loan?Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 3 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P2 OF 11)This form only applies to regulated loans that are secured over residential property. It should only be used where there is an application for a loansecured by residential property and where the purpose is wholly or predominantly for:• personal, domestic or household purposes; or• to purchase, renovate or improve residential property for investment purposes or to refinance credit provided for that purpose.REQUIREMENTS & OBJECTIVES1. APPLICANT DECLARED PURPOSE1.1 Tick the applicable box to confirm the loan purpose type: Owner Occupier Residential Investment PurposeAmount ($)Purchase a propertyConstructionRenovationsInvestment PurposesPurchase a motor vehicle, boat, trailer etc.RefinanceDebt consolidationOther Purpose(s) being:TOTAL AMOUNT OF CREDIT SOUGHT: Please provide any additional details relating to applicant(s) purpose, including their immediate, medium term and long term goals.1.2 Select the purpose for which the loan proceeds will be used and specify the proposed amount required for each purpose selected (Multiplepurposes can be selected.):If purpose is wholly or predominantly commercial or investment (other than in residential property), this interview guide is not intended to be used.Where Refinance or Debt Consolidation have been selected in 1.1, ensure the applicant(s) understands that if this increases the term of the loan, thismay cause the applicant(s) to pay more interest and mean the applicant(s)’s equity in the property builds up at a slower rate.The applicant(s) appeared to understand and wants to proceed.Where Debt Consolidation has been selected in 1.1, please complete 1.3 and 1.4.Otherwise, continue to 1.5.1.3 If Debt Consolidation was selected in 1.1, will existing credit card limits be reduced or cancelled?Yes NoIf Yes, please give details below:Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 4 of 361.4 I have discussed with the applicant(s) that they may end up paying more interest, particularly if the applicant(s) incurs further credit card,personal loan or car loan debt after consolidating existing debts.The applicant(s) appeared to understand and wants to proceed.1.5 Term of credit sought: Years / Months2. REFINANCE & DEBT CONSOLIDATIONThis section is to be completed if the applicant(s) is refinancing or consolidating debts with the proceeds of the proposed loan. If the applicant(s) is notrefinancing or consolidating debts, continue to the Section 3 – Possible Adverse Changes to Financial Situation.2.1 Why does the applicant(s) want to refinance the existing loan? (Multiple options can be selected.)Reduced repaymentsPlease specify current and anticipated repayments under the existing loan:Lower interest ratePlease specify current and anticipated interest rates under the existing loan:Increase total loan amountGreater flexibility / extra or specific loan features under new loanPlease give details:Wants to reduce number of lenders / consolidate debtsPlease give details:Dissatisfied with other financial institutionPlease give details:Close to end of current loan termPlease give details:OtherPlease give details:ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P3 OF 11)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 5 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P4 OF 11)3. POSSIBLE ADVERSE CHANGES TO FINANCIAL SITUATION3.1 Does the applicant(s) plan or anticipate changes (other than retirement – see 3.4) to their future financial circumstances that couldADVERSELY impact their ability to repay the loan?Yes NoIf Yes, specify to which applicant(s) the changes apply and answer the remaining questions for all applicants together.Applicant 1 Applicant 2 3.2If Yes, what is the nature of the planned or anticipated change?Select one or more of the relevant options and give details of the expected change or changes in the table below. Period of ImpactFinancial Impact per month ($)Extended unpaid leave (e.g. parental leave)Reduced incomeEnd of contract / loss of employmentLeaving employmentIncreased debt repayment(s) for an existing loanLarge expenditure (e.g. wedding/tax bill)Medical treatment / illnessOther (please give details below) 3.3 How do the applicant(s) intend to meet their loan repayments during the planned or anticipated change(s)?Select one or more of the relevant options and give details of those options in the table below. DetailsAdditional income sourceSale of other assets (please specify)ANZ held securityOther propertySharesSavingsANZ savingsOFI savingsCo-applicant’s income (please give details if not alreadycaptured in Financials)Other (please give details) Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 6 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P5 OF 11)3.4 Are all applicant(s) currently retired?Yes – proceed to Section 4No – continue to next question 3.5At what age is the applicant(s) planning to retire?Applicant 1Applicant 2 3.6 Will any applicant(s) reach their planned retirement age within 7 years of the application date?Yes – proceed to question 3.8No – continue to next question3.7 Is any applicant(s) within 7 years of the statutory retirement age?Yes – continue to next questionNo – proceed to Section 4If either applicant plans to retire within 7 years of the application date or is within 7 years of the statutory retirement age, continue to 3.8. Otherwise,continue to Section 4.3.8 How would the applicant(s) propose to meet their loan repayments? (Multiple options can be selected.) Please provide all relevant documents to support the customer’s plan.Repayment of loan prior to retirementDownsizing homeSale of Other Assets (please specify)ANZ held securityOther propertySharesRecurring income from superannuationSuperannuation lump sum following retirementSavingsANZ savingsOFI savingsIncome from other investmentsCo-applicant’s incomeCustomer planning to work past the statutory retirementage (please detail customer plan)Other (please give details below) Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 7 of 364. LOAN FEATURES4.1 Loan Features SelectionIn order to complete this section, brokers must consider all answers previously given, and in particular, those relating to:• Loan Purpose (Section 1);• Refinance & Debt Consolidation (if applicable) (Section 2);• Possible adverse changes to financial situation (Section 3);Each feature in the table is to be marked as ‘Important’, ‘Not Important’ or ‘Don’t Want’, depending on the broker’s discussion with theapplicant(s).‘Important’ means the feature is a high priority for the applicant(s). ‘Not Important’ means it is not of high priority to the applicant(s). ‘Don’tWant’ should be selected where the applicant(s) expressed they do not want the feature.Where a feature is identified as ‘Not Important’ or ‘Don’t Want’, no further action is required for the purposes of this table.Where a feature is identified as ‘Important’, the broker must ascertain from the applicant(s) why that feature is important to them. Please selectthe appropriate reasons in the ‘Reason’ column for any feature that is marked ‘Important’. In selecting the reasons, the broker should ensure theapplicant(s) consider the particular benefit(s) of the feature that is/are important to them (e.g. if fixed rate period is important a reason may bebecause the applicants want certainty of the repayment amount during the fixed rate period).Where the feature has been selected for reasons other than for reasons already provided, ensure details of those ‘Other’ reasons are captured inthe same column.Where a feature is identified as ‘Important’, confirm the applicant(s) understands each of the risks contained in the ‘Features’ column by tickingthe relevant box alongside that risk.ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P6 OF 11)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 8 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P7 OF 11) FeatureImportantReasonNotimportantDon’tWantRATE TYPEFixed rate• Rate is fixed for a specified term givingcertainty of interest and repayments forthat term.Ensure each applicant understands each of thefollowing risks:• Rate is fixed at a point in time andapplicant(s) will not benefit fromsubsequent market interest ratereductions during fixed rate period.• Rate may change between the time ofapproval and the time of drawdown ifrate guarantee has not been obtained.• Limited or no ability to make additionalrepayments when the interest rate is fixed.• May not have the ability to redraw orutilise an offset account to reduceinterest.• Possibility of expensive break costs if,during the fixed interest rate period,applicant(s):– Repay loan in full;– Switch to another product or loan type;– Make additional repayments;– Sell the property; or– Seek further funds.If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):ANDindicate the preferred durationof the fixed rate period:6 months12 months18 months2 years2 years plusWhere fixed rate is important, why is this?Avoiding risk of increasing variableinterest rate during fixed interestperiod.Make budgeting easier.Other.Details for “Other”:Variable rateInterest charged and repayments willchange to reflect interest rate movements.Ensure each applicant understands each of thefollowing risk:Interest rate and repayment amount mayincrease while the loan is on a variable rate.If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):Where variable rate is important, why isthis?To take advantage of potential futuredecreases in the interest rate.Flexibility with respect to repayment,redraw and/or early repayment ofloan.Other.Details for “Other”: Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 9 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P8 OF 11) FeatureImportantReasonNotimportantDon’tWantFixed and Variable rate• The applicant(s) may want a loan splitbetween fixed and variable portions.Fixed rate portion• Rate is fixed for a specified term givingcertainty of interest and repayments forthe fixed rate portion.Variable rate portion• Interest charged and repayments willchange to reflect interest ratemovements for the variable rate portion.Ensure each applicant understands each of thefollowing risks associated with fixed andvariable splits of the loan:• Applicant(s) will not obtain the fullbenefit of rate decreases and will stillhave some exposure to the risk of rateincreases.• Applicant(s) will generally not be able tochange the ratio of the fixed and variableportions.• Applicant(s) will be required to makeseparate repayments for each portion.• Fixed rate may change between the timeof approval and the time of drawdown ifrate guarantee has not been obtained.• Limited or no flexibility in relation to thefixed rate portion concerning makingadditional repayments, redraws and offsetaccounts during the fixed rate period.• Possibility of expensive break costs inrelation to the fixed rate portion if duringthe fixed rate period, the applicant(s):– Repay loan in full;– Switch to another product or loan type;– Make additional repayments;– Sell the property; or– Seek further funds.If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):ANDindicate the preferred durationof the fixed rate period:6 months12 months18 months2 years2 years plusWhere fixed and variable rate isimportant, why is this?Limiting risk of increasing variableinterest rate to obtain some benefitfrom potential future decreases in theinterest rate.Retaining a degree of flexibility inrelation to increased repayments,redraws and/or early repayment ofpart of the loan.Make budgeting easier than if theentire loan were variable.Other.Details for “Other”:REPAYMENT TYPEPrincipal and Interest• Repayments cover loan principal andinterest so that the loan is paid in full bythe end of the loan term.• Applicant(s) could pay less interest overthe life of the loan as compared with aloan which features a period of interestonly repayments.• Interest rates on principal and interestrepayments are generally lower thaninterest only.If feature is markedimportant, indicate preferredrepayment frequency:weeklyfortnightlymonthlyWhere principal and interest is important,why is this?Minimise interest paid over life of loan.Higher lending limit.Lower deposit required.Build up equity from the start.Other.Details for “Other”: Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 10 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P9 OF 11) FeatureImportantReasonNotimportantDon’tWantInterest Only• Allows smaller payments during theinterest only period enabling:– Higher cash on hand for otherpurposes.– Flexibility to manage cash flow.– Smaller initial payments oninvestment home loans may serve atax purpose.Ensure each applicant understands each of thefollowing risks:• Higher interest rates may apply tointerest only loans.• Interest only payments will not reducethe loan principal.• Not repaying loan principal will result inthe applicant paying more interest overthe loan term.• After the end of the interest only period,principal and interest repayments will berequired and these will be higher thanthey would have been if the loan hadprincipal and interest repaymentsthroughout the loan term.• The amount of equity that is built-up inthe property securing the loan will be lesswith an interest only loan.If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):ANDindicate the preferred durationof the interest only period:up to 1 year1 to 3 years3 to 5 years5 years plusANDindicate why the proposedlength of the interest only termis appropriate to the customersneeds:ANDindicate preferred paymentfrequency:weeklyfortnightlymonthlyWhere interest only is important, why isthis?Accommodate temporary reduction inincome (e.g. parental leave, changingcircumstances).Accommodate anticipated nonrecurring expense item (e.g.education, renovation/construction,furniture).Variable and unpredictable income.Recommendation provided by anindependent financial advisor /accountant.Taxation or accounting reasons (basedon financial or tax advice), including:• Release funds for investmentpurposes (e.g. shares, investmentproperty, super contributions).• Priority is paying off nondeductable debts (this loan is forinvestment purposes); and• Plan to convert to an investmentproperty in future.Other.Details for “Other”:Interest in Advance• Allows the applicant(s) to make lumpsum interest only payments in advance.• May serve a tax purpose.• May be discounts on interest rate.Ensure each applicant understands all of thefollowing risks:• Rate must be fixed and all the risks setout above in relation to ‘Fixed Interest’rate are applicable. Please explain each ofthese risks to the applicant(s).• Explain any different risks applicable tospecific lender products (e.g. limitationson refunds for interest paid in advance).If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):Where interest in advance is important,why is this?For tax purposes (based on financial ortax advice).Discounts on interest rate.To assist with cash flow andbudgeting.Other.Details for “Other”: Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 11 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P10 OF 11) FeatureImportantReasonNotimportantDon’tWantLine of Credit• Flexibility of revolving line of creditallows applicant(s) to draw to anapproved limit from time to time withonly an obligation to pay monthlyinterest and otherwise flexibility ofrepayment amounts.Ensure each applicant understands each of thefollowing risks:• Higher interest rates may apply to a lineof credit as compared to a principal andinterest loan.• Not paying off principal may result inmore interest being paid over the loanterm.• Usually no formal repayment structureexists to the facility and so financialdiscipline is required to repay the loan.• If lender has discretion to reduce orcancel the limit, applicant(s) may berequired to pay off the amount owing atany time and would need a plan fordoing so.If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):If feature is marked as‘Important’ and section 3.5above (dealing withretirement) has not beencompleted, what is theapplicant’s plan for paying offline of credit at the end of orduring the term?Repayment of loan priorto end of term.Downsizing.Sale of assets.Savings.Income from otherinvestments.Why is flexibility of drawdown andrepayments important?Assists with investment purchases andtax planning (based on financial or taxadvice).Anticipated variable cash flows.Allows access to funds at any time.Flexibility to manage repayments.No need to apply for further lending infuture.Ongoing need for funds – planning tomake a few purchases over a period oftime.Other.Details for “Other”:PRODUCT TYPEOffset Account• Allows applicant(s) to link a savingsaccount in their name to a loan accountto reduce amount of interest payableunder loan.• Will only be of benefit where theapplicant expects to have sufficient fundsin the offset account so that the interestsavings on the loan will exceed theadditional costs related to the offsetaccount.Ensure each applicant understands each of thefollowing risks:• Feature may not be available when theloan is on a fixed rate.• May only be a partial interest rate offset.• Fees may apply.Explain any different risks applicable tospecific lender products, including a higherinterest rate on the loan.If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):Where having an offset account isimportant, why is this?Allows paying off loan sooner.Allows access to funds.For tax purposes (based on financial ortax advice).Other.Details for “Other”:Redraw• Allows applicant(s) to access extrarepayments that they made additional totheir required minimum repayments.Ensure each applicant understands each of thefollowing risks:• Lender may charge fees for each redraw.• Each redraw may be subject to thelender’s discretion.If feature is marked‘Important’, confirm that eachof the risks listed in ‘Features’have been explained to theapplicant(s):Where having a redraw feature isimportant, why is this?Flexibility to access prepaid funds ifneeded.Other.Details for “Other”: Co-applicant’s income.Other. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 12 of 36ANZ HOME LOAN – BROKERBROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BYRESIDENTIAL PROPERTY (P11 OF 11)4.2 Conflicts between loan features4.2.1 Are there any conflicts between any of the loan features marked ‘Important’ in 4.1?Yes No4.2.2 Explain the conflicts to the applicant(s) and ask them to consider the priority of the loan features they identify as ‘Important’ so that the conflictcan be resolved. Once this is done, set out those priorities and reasons for those priorities below.4.3 Other4.3.1 Lender PreferenceDoes the applicant have a preferred lender or lenders (e.g. one with branch access)?Yes NoIf Yes, specify the lender or lenders and the reason(s) for the preference.4.3.2 Do the applicant(s) have any other requirements and objectives not already stated which may affect whether the loan, for which they propose toapply, is suitable, including whether there are any particular personal circumstances of the applicant(s) not documented in any previousresponses in this interview guide that are relevant to the loan features that have been identified as ‘Important’?4.4 Product SelectionProduct selection needs to take place having regard to the outcome of the requirements and objectives’ enquiries set out above. The brokermust give a concise narrative summary of the applicant(s)’s requirements and objectives and why the particular type of loan product was chosento meet those requirements and objectives. If Section 4.2.2 has been answered, you do not need to repeat that answer in your response to thisquestion. In your answer to this question you should simply refer to that section and, to the extent it is required, add any further narrative that isnecessary to answer this question.5.0 Further investment in shares or managed fundsIs 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?If Yes:Yes•Recommend customer seeks independent advice from a Financial Advisor No• Ensure margin loan liability and repayments are included in the Statement of Financial Position.Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 13 of 36PERSONAL DETAILS PRIMARY APPLICANT PERSONAL DETAILS CO-APPLICANT ApplicantTitleDirector/ PartnerSurnameGuarantor Trustee ApplicantTitleDirector/ PartnerSurname Guarantor TrusteeFirst 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 birthGenderM FStateDrivers licence number Permanent Australian Date of birthGenderPermanent AustralianM FStateY NDrivers licence number Y N Current housing situation Current housing situationBoarding Own home Renting With parents Caravan Boarding Own home Renting With parents CaravanOther: Other:Marital Status Single Married or De facto Marital Status Single Married or De factoName of spouse Name of spouseNo. of dependants Age (in years) of dependant children No. of dependants Age (in years) of dependant childrenHome Phone Number Business Phone Number Home Phone Number Business Phone NumberMobile Phone Number Fax Number Mobile Phone Number Fax NumberADDRESS DETAILS (MINIMUM 2 YEAR HISTORY) ADDRESS DETAILS (MINIMUM 2 YEAR HISTORY)Current Address: Street (No. & Name) Current Address: Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode CountryTime 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 DetailsStreet (No. & Name) Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode CountryMAILING ADDRESS DETAILS (IF DIFFERENT) MAILING ADDRESS DETAILS (IF DIFFERENT)Street (No. & Name) Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode Country2.1 ANZ HOME LOAN APPLICATIONPERSONAL AND EMPLOYMENT DETAILS (P1 OF 2)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 14 of 36EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY) EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY)Employment type Employment typeFull Time Part Time Casual Full Time Part Time CasualSelf Employed Not Employed Self Employed Not EmployedOccupation OccupationCurrently under a probationary period Yes No Currently under a probationary period Yes NoLength of probationary period Length of probationary periodCurrent Employer’s Name Current Employer’s NameABN ABNStreet (No. & Name) Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode CountryPhone Number Phone NumberTime at current employer Years Months Time at current employer Years Months(If less than 2 years, previous employer must also be included) (If less than 2 years, previous employer must also be included)Previous Employer Previous EmployerOccupation OccupationTime at current employer Years Months Time at current employer Years Months2.1 ANZ HOME LOAN APPLICATIONPERSONAL AND EMPLOYMENT DETAILS (P2 OF 2)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 15 of 36PLEASE PHOTOCOPY FOR ADDITIONAL SECURITIESSECURITY DETAILS – ONE SECURITY DETAILS – TWOSecurity type Security typeRegistered Mortgage 2nd Mortgage Guarantee Registered Mortgage 2nd Mortgage GuaranteeOther OtherSecurity given by Security given byCurrent Address: Street (No. & Name) Current Address: Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode Country Property PurchaseY NOn Market TransactionY NOff the PlanProperty StatusY NEstablishedNewTo be BuiltVacant Land Property Purchase Y NOn Market TransactionY NOff the PlanProperty StatusY NEstablishedNewTo be BuiltVacant Land Property TenureProperty UseFreehold Leasehold OtherOwner Investment Property TenureProperty UseFreehold Leasehold OtherOwner Investment Property Zoning Property ZoningCommercial Industrial Residential Rural Commercial Industrial Residential RuralRural Life Rural Residential Other Rural Life Rural Residential OtherProperty Type Property TypeTitle Type Title Details Title Type Title DetailsTorrens Old Law Torrens Old LawSecurity Value Guarantee Amount Security Value Guarantee Amount$ $ $ $Contract of Sale Held Y N Contract of Sale Date Contract of Sale Held Y N Contract of Sale DateConstruction Loan Y N Construction Loan Y NSOLICITOR DETAILSName AddressCompany Suburb StatePhone Number Fax Number Postcode Country2.2 ANZ HOME LOAN APPLICATIONSECURITY DETAILSAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 16 of 36PLEASE PHOTOCOPY FOR SEPARATE PURPOSEPortfolio – Please download and complete 2.3.1 ANZ Mortgage Distribution – Loan Application Portfolio Details and Sub-account selection.LOAN DETAILS – ONE LOAN DETAILS – TWOProduct and Amount Product and Amount $yearsyears $yearsyears Loan term sought (this loan) Loan term sought (this loan) Fixed Rate term (if applicable) Fixed Rate term (if applicable) Lock Rate Y N Progressive Draw Y N Lock Rate Y N Progressive Draw Y NNOTE: Rate is not locked until payment of the Lock Rate Fee is received by ANZ NOTE: Rate is not locked until payment of the Lock Rate Fee is received by ANZInterest-Only term (if applicable) years Interest-Only term (if applicable) yearsNOTE: If Interest-Only term applies then reason for Interest Only must be specified. NOTE: If Interest-Only term applies then reason for Interest Only must be specified. Repayments frequencyWeekly Fortnightly MonthlyFrequency for RIL Interest-in-Advance onlyMonthlyStatement cycleMonthlyQuarterlyHalf-yearlyAnnuallyQuarterlyHalf-yearly Repayments frequencyWeeklyFortnightly MonthlyFrequency for RIL Interest-in-Advance onlyMonthlyStatement cycleMonthlyQuarterlyHalf-yearlyAnnuallyQuarterlyHalf-yearly Security to Product (address) Security to Product (address)2.3 ANZ HOME LOAN APPLICATIONLOAN SELECTIONLOAN DETAILSLoan Purpose Purchase LandPurchase New DwellingHome ImprovementBridgingRefinanceConstructionSupplementaryDebt Purchase (QLD only)Purchase Established Dwelling Other:DescriptionLOAN TYPE Owner OccupiedLoans in a company/Trust nameInvestmentLand PRODUCT Standard Variable#Fixed RateEquity Manager – no chequeSimplicity PLUSEquity Manager NOTE: Please specify product for split loan under Loan Details.#The fixed interest rate will be set at the time of draw down unless a lock rate fee is paid.Early Repayment Costs may be very large and is incurred if, during the fixed rate periodthe customer makes additional repayments over the set threshold or makes a change toanother fixed rate or a variable rate loan.Total Amount Sought Approval in Principle Sought$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(If you choose ‘Y’ the LMI will be automaticallyYN Capitalised Lenders Mortgage Insurance(If you choose ‘Y’ the LMI will be automaticallyY N 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 MortgageInsurance (if applicable) will be deducted from the total loan amount requested Insurance (if applicable) will be deducted from the total loan amount requested andand 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$ $Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 17 of 362.4 ANZ HOME LOAN APPLICATIONBREAKFREE PACKAGE (P1 OF 3)TO BE COMPLETED ONLY FOR ANZ BREAKFREE PACKAGEThis form must be completed in full to ensure efficient processing Application NumberExisting ANZ Breakfree Package Customer?If Yes, add to existing package (sections 1A,1B and 1C are optional if changing nominated accounts)OROpen a new package (please complete below sections 1A, 1B and 1C to nominate accounts)1A. NOMINATED LOAN ACCOUNT(S)List all eligible ANZ Home and Residential Investment Loans held by the applicants (either individually or jointly), to be linked to the Package bythis request.Account Holder(s) Account Number(s) Current Loan Balance(s)Total ANZ Mortgage Lending1B. TRANSACTION ACCOUNT(S)NOMINATED PRIMARY TRANSACTION ACCOUNT (PLEASE SELECT ONE)Note: The Annual package fee will be charged to your primary transaction account once your loan is drawn. Transaction account(s) must be ANZ AccessAdvantage 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 mustbe opened before Settlement date).ORI/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 useANZ Assured for?Y N1) I/We do not require an ANZ Assured facility OR already have an ANZ Assured facility.2) 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 account3) 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 consentto being considered for, and if approved, issued with a $500 limit? Yes No, only consider me for a $1,000 limit and if declined, do notconsider 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/ourapplication for ANZ Assured, I/we understand that ANZ will provide me/us with these Terms and Conditions.Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 18 of 362.4 ANZ HOME LOAN APPLICATIONBREAKFREE 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 FULLNote: 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 RequiredOption 1 I wish to apply for the credit card account selected below, with the understanding that the minimum credit limit for an ANZ Low Rateaccount is $1000, any ANZ Platinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZFrequent Flyer Black account is 15,000. My nominated amount for this card is $ , but I understand that I mayonly be approved for the minimum credit limit for the credit card product selected, based on my application details. I understand thatif my credit card application is approved, ANZ may provide me with a credit card regardless of whether I choose to accept or declinea home loan letter of offer. Any ANZ Breakfree package benefits associated with the credit card will only be available if I hold andcontinue 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 thejoint 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 legallyresponsible 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 OurCredit Cards”. I am applying for the following credit card: ANZ Rewards Cards+ANZ Frequent Flyer Cards +#Low Rate CardsLow Annual Fee CardsANZ Rewards PlatinumANZ Rewards BlackANZ Rewards Travel AdventuresOur other Rewards option, ANZ Rewards,is not available under the ANZ BreakfreePackage.ANZ Frequent Flyer PlatinumANZ Frequent Flyer BlackOur other Frequent Flyer option, ANZFrequent Flyer, is not available under theANZ Breakfree Package.ANZ Low RateANZ PlatinumOur other low annual fee option, ANZFirst, is not available under the ANZBreakfree 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 intendingto keep the card as your nominated card under the ANZ Breakfree package.+ An annual Rewards Program Services Fee of $55 (including 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 callQantas 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 anANZ Rewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum productif 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 NoNote: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use.Applicant’s NameExisting Qantas Frequent Flyer membership number# Existing ANZ Credit Cardholders Option 2I hold a current ANZ Credit Card account and I nominate this account as my/our Nominated Credit Card Account.Account HolderVisa/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 an ANZ Low Rateaccount is $1000, any ANZ Platinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZFrequent Flyer Black account is $15,000.I would like to apply for a credit limit increase to $ and understand that if my credit limit increase application isnot approved then ANZ will link my existing card (at the existing limit) account to my Breakfree package. (N.B. Only complete if a creditlimit increase is required)If you are making a joint application for ANZ Breakfree, you are requesting that your credit card account upgrade and/or credit limitincrease application be assessed based on the joint financial situation of all applicants. By choosing to apply for this credit card accountupgrade and/or credit limit increase application:Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 19 of 362.4 ANZ HOME LOAN APPLICATIONBREAKFREE PACKAGE (P3 OF 3)• 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 abovearrangement, he/she will remain legally responsible for the credit card account as the sole debtor.I confirm that my financial situation has not changed in the last three months and I can continue to afford the repayments on myexisting ANZ credit 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 OurCredit Cards”. I would like to apply to upgrade my existing credit card account (specified below):Account Holder Visa/Mastercard Card NumberI want to upgrade to: ANZ Rewards Cards+ANZ Frequent Flyer Cards +#Low Rate CardsLow Annual Fee CardsANZ Rewards PlatinumANZ Rewards BlackANZ Rewards Travel AdventuresOur other Rewards option, ANZ Rewards,is not available under the ANZ BreakfreePackage.ANZ Frequent Flyer PlatinumANZ Frequent Flyer BlackOur other Frequent Flyer option, ANZFrequent Flyer, is not available under theANZ Breakfree Package.ANZ Low RateANZ PlatinumOur other low annual fee option, ANZFirst, is not available under the ANZBreakfree 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 areintending to keep the card as your nominated card under the ANZ Breakfree package.+ An annual Rewards Program Services Fee of $55 (including 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 anANZ Rewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum productif you don’t meet the ANZ Rewards Black or ANZ Frequent Flyer Black account’s credit and product requirements. Do you consent tobeing considered for, and if approved, issued the equivalent ANZ platinum account in these circumstances? Yes NoNote: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use.By selecting Option 3:• You request ANZ to close your nominated existing card account, open the nominated new card account and nominate your new card account asyour eligible card account under the Breakfree Package.• You request ANZ to transfer the balance and any payment agreement/s to the new card selected as the eligible credit card under the Breakfree Package• You understand your existing card account will be closed within 14 days after ANZ’s receipt of this application, or on activation of your new card(s),whichever is sooner. You will not receive a final statement on your existing account.• Your new card(s) will have a new number and it is your responsibility to re-direct any automatic payments from your existing card account to your newcard accountCustomers wishing to transfer from an ANZ Visa PAYCARD, ANZ Rewards Visa PAYCARD, or ANZ Everyday Visa Debit account are unable to use option 3of this form as these accounts are not eligible. A new eligible account can be opened if option 1 is completed.Any ANZ CreditCover Insurance Policy applicable to your existing card account will apply to your new credit card account.Additional Cardholders Only complete if you wish to include an additional cardholder for your Nominated Credit Card Account (any existing additionalcardholders will be automatically transferred to your new account).I have read and understood this application including the Declarations and Terms and ConditionsSignature Name DatePlease 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.Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 20 of 362.5 ANZ HOME LOAN APPLICATIONPERSONAL STATEMENT OF FINANCIAL POSITIONNAME(S)ASSETSPresent valueANZ account(s) Total $$$ Other financial institution account(s) Total Other Cash Assets (Bonds) Shares $Property Assets (list Address & Value) $$$ Total Property Assets $$No.$$ Contribution paid to deposit on property Total Number of Motor Vehicles Total Value of Motor Vehicles Superannuation Total Other Assets (eg insured value of contentsand valuables, boat etc) – please specifyTotal $$ Total assets (1) INCOME (AVERAGE MONTHLY)Base salary Gross (p.a) Net (p.m.)Income earner 1 $$ $$ Income earner 2 Other incomeRegular overtime $$$$$$ Government benefits/ pension Part–time/ casual employment Dividends/ Interest Bonus Commission Gross (p.m)Rent received* $ x75%* $*do not show rental property expenses as separate expense itemsOther – please specify $$$ Total net monthly income (3) DATELIABILITIESLimit(s) Current outstandingANZ Home Loan $$$$$$$$$ ANZ Investment Loan ANZ OverdraftANZ Personal LoanOFI Home LoanOFI Investment LoanOFI OverdraftOFI Personal LoanCredit / Store Cards Other liabilities DueOutstanding taxation $Other – please specify $$$$$$ Total liabilitiesTotal assetsLess Total liabilitiesNet assets(2)(1)(2)(=1–2) ALL AREAS MUST BE COMPLETED BY CUSTOMER / PLEASE PHOTOCOPY FOR ADDITIONAL APPLICANTSSEPARATE STATEMENT OF FINANCIAL POSITION TO BE COMPLETED BY EACH APPLICANT UNLESS MARRIED OR DE FACTONon-continuing liability Non-continuing liabilityAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 21 of 36EXPENDITURE (AVERAGE MONTHLY)Credit commitmentsLoan Repayments for this facility $$$$$ Loan Repayment for other ANZ loans/ HPs Loan repayment for OFI loans/HPs Credit/store cards Total Credit Commitments (A) Living ExpensesChildcare $Childcare including nannies.Clothing & Personal Care $Clothing, footwear, cosmetics,personal care.Education $Public and private education fees andassociated costs including books anduniforms, etc.Groceries $Typical supermarket shop for groceriesincluding food and toiletries.Medical & Health $Medical and health costs including doctor,dental, optical and pharmaceutical etc.(excluding health insurance which iscategorised under insurance).Insurance $All insurance including health, home andcontents, motor vehicle, life and incomeprotection.Owner Occupied Property Related Costs $Housing and property expenses includingrates, utilities, taxes, levies, body corporateand strata fees, repairs and maintenanceand other household items.Recreation & Entertainment $Recreation and entertainment includingalcohol, tobacco, gambling, restaurants,membership fees, pet care, holidaysTelephone, Internet, Pay TV & MediaStreaming Subscriptions $Telephone accounts (home and mobile),internet, pay TV and media streamingsubscriptions (such as Netflix and SpotifyTransport $Public transport, motor vehicle runningcosts including fuel, servicing, parking andtolls (excluding motor vehicle insurancewhich is categorised under insurance).Total Living Expense (B) $2.5 ANZ HOME LOAN APPLICATIONPERSONAL STATEMENT OF FINANCIAL POSITIONOther CommitmentsChild Maintenance $Other $Unique items not covered in abovecategories (must be explained further).Total Other Commitments (C) $Rent/Board (D) $$ Total net monthly expenditure (=A+B+C+D) Total net monthly incomeless Total monthly expenditure(3)(4) $$$ Uncommitted monthly income (=3–4) Please provide further commentary on customer declared expensesAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 22 of 36The Guarantor Checklist must be fully completed and submitted with the appropriate Loan Application.A separate Guarantor’s Checklist is required for each Guarantor. Date of InterviewANZ Approved OriginatorLoan Facility/ies to be Guaranteed Guarantor’s Full Name Guarantor’s OccupationCustomer’s Full Name Application Number (if known)Provide details of Guarantor’s photo ID:Driver’s License Number State of Issue Date of BirthorPassport Number Country of Issue Date of BirthSECTION 1: INTERVIEW Confirm 1. The interview is being conducted face to faceAll attempts should be made for this interview to be conducted face to face with the intending Guarantor, to ensure that they are not under theinfluence of the Borrower to provide the Guarantee.For wealthy and sophisticated Guarantors, in exceptional circumstances, (for example, due to proximity of the customer from ANZ representation),consideration may given to conducting the interview over the phone. The submitting point will be required to:• justify the circumstances preventing a face to face interview• confirm that they have positively identified the intending Guarantor• confirm that the Guarantor meets the definition of being wealthy and sophisticated• confirm they have no reason to suspect that the Guarantor is under the influence of the Borrower• confirm that the Guarantor can understand English.2. Please confirm the Guarantor is the only person present at the interview other than yourself. No Borrowers orCo-Guarantors can be present3. Please advise the Guarantor that it is strongly recommended that they seek independent legal and/or financial advice beforeentering into the Guarantee. SECTION 2: GUARANTOR’S OPINION 1. (Ask the Guarantor) Are you under any pressure to give this Guarantee (e.g. are you afraid someone will do something, or refuse todo something, if you do not sign this Guarantee)?Yes No If the answer is YES, then the Guarantee cannot be taken. Terminate the interview and the Guarantee CANNOT be taken.SECTION 3: GUARANTOR’S ELIGIBILITY 1. Is there any reason to suspect the Guarantor is:• under pressure to give this Guarantee?• subject to any misrepresentation as to why the Guarantee is needed?• subject to any unreasonable or unfair conduct by anyone involved in this transaction?• having difficulty understanding their obligations as Guarantor (eg. under the influence of alcohol, impaired mental capacity,poor English etc.)?Yes NoYes NoYes NoYes No2. Is the Guarantee to be executed under power of attorney on behalf of an individual?Yes No3. Is the Guarantor a minor (less than 18 years old)?Yes No If the answer to any question in Section 3 above is YES, the Guarantee CANNOT be taken.2.6 ANZ HOME LOAN APPLICATIONGUARANTOR’S ASSESSMENT CHECKLIST (P1 OF 3)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 23 of 362.6 ANZ HOME LOAN APPLICATIONGUARANTOR’S ASSESSMENT CHECKLIST (P2 OF 3) 1. (Ask the Guarantor) Do you understand that should the Borrower be unable to meet the commitments of the loan or fails to meetthose commitments for any reason, you may be required to pay the guaranteed amount?Yes No If NO, Guarantee cannot be taken. Is the Guarantor in a spousal/de facto relationship with the Borrower and a joint statement of position has been obtained?If YES, skip questions 2 & 3 below.If NO, answer questions 2 & 3 below.Yes No 2. (Ask the Guarantor) If you were required to repay the guaranteed amount, would you need to sell the family home, to meetthis commitment.Yes No If YES, Guarantee cannot be taken. 3. (Ask the Guarantor) if you had to loan money to repay the guaranteed amount would you be in a position to meet the loanrepayments from your income in addition to your reasonable living expenses?Yes No If NO, Guarantee cannot be taken.SECTION 6: SERVICING GUARANTEE 1. Have you confirmed that the Guarantor is in a spousal/de facto relationship with the Borrower ORHave you confirmed that the Guarantor is a parent/step parent of the Borrower, and is wealthy and sophisticatedYes No2. (Ask the Guarantor) Do you understand that throughout the term of the proposed loan you are expected to make repayments forthe Borrower, and are you willing to do this.Yes No3. (Ask the Guarantor) Do you understand that the Borrower is relying on payments from you to meet repayments for the proposedloan, and that the Borrower’s other independent income will not be sufficient to service the loan repayments?Yes No4. (If the Guarantor is a parent/step parent) have you confirmed that by making funds available to the Borrower to meet loanrepayments there is some benefit for the Guarantor or the family (i.e., enabling the Borrower to leave the family home and/orassisting in making the Borrower more financially independent, etc…).Yes No If the answer to any question in section 6 is NO, the Guarantee cannot be taken.SECTION 7: GUARANTOR UNDERSTANDING Describe the relationship of the Guarantor to the Borrower:1. Does anything about the nature of the relationship between the Guarantor and the Borrower give you reason to believe that theGuarantor may be under the Borrower’s influence to provide the Guarantee?Yes No If YES, then the Guarantor must obtain independent legal OR financial advice (refer section 8). 2. Do you know what a Guarantee is and do you understand what your obligations will be as a Guarantor?Yes No SECTION 5: SECURITY GUARANTEESECTION 4: TYPE OF GUARANTEE (Tick relevant box and complete required sections)Security Guarantee (complete section 5,7,8 & if required 9)Servicing Guarantee (complete section 6,7,8 & if required 9)Security and Servicing Guarantee (complete all sections)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 24 of 362.6 ANZ HOME LOAN APPLICATIONGUARANTOR’S ASSESSMENT CHECKLIST (P3 OF 3) 3. Is there any reason to suspect that the Guarantor will not understand the effect of the Guarantee because oflanguage difficulties / literacy?Yes No4. (If the interview is conducted face to face ask the Guarantor) Can you read (out loud) the following sentence back to me.“I can read and speak English and understand what the Bank is asking of me”.Yes NoIf the Guarantor’s response to question 2 in section 7 is NO, or if there is any indication that the Guarantor does not understand that they are obliged to repaythe loan if the Borrower cannot, then the Guarantor must seek independent legal or financial advice.If the answer to question 3 in section 7 is YES, or if the Guarantor cannot read the paragraph at question 4 in section 7, then it is mandatory that the Guarantorobtains independent advice, from a legal or financial professional who speaks the Guarantor’s language and the signing of the Guarantee is witnessed by theperson providing the advice. SECTION 8: COMPLETE ONLY IF INDEPENDENT ADVICE IS REQUIRED. If independent advice is required, please nominate type of advice.Legal AdviceFinancial Advice SECTION 9: (COMPLETE ONCE THE GUARANTOR HAS COMPLETED THE INTERVIEW) Confirm A. Complete a Statement of Financial Position (SP) for the Guarantor (if a ‘Servicing Guarantee’ or a ‘Servicing & SecurityGuarantee’ only)Note: If a spousal /de facto relationship exists between the Borrower and Guarantor, an individual SP for the Borrower and/or ajoint SP for the Borrower and Guarantor can be taken, subject to confirmation of paragraph B below.Note, for Spousal Guarantees only: Where a joint SP is taken for a Borrower and Guarantor that are in a spousal relationship,agreement has been obtained from both the Borrower and the Guarantor to the completion of the joint SP and each party hasconsented to the disclosure of his/her financial information to the other party.B. Verify the Guarantor’s income as per ANZ policy for Borrowers (if a ‘Servicing Guarantee’ or a ‘Servicing & Security Guarantee’ only)C. Obtain the Guarantor’s signed Declaration (Applicant and Guarantor Declaration).D. Advise the Guarantor that this information will now be used by ANZ as part of the final assessment of the loan application.E. Advise the Guarantor that if this assessment by ANZ is successful, they will receive their Guarantee documents shortly.F. Advise the Guarantor that if they wish to withdraw from this transaction before the funds are drawn, then they need to advise ANZas soon as possible.G. Advise the Guarantor that they must complete the applicable Customer Identification Process (CIP) at an ANZ Branch,if they have not done so already (ANZ cannot settle the loan until this requirement is met). ADDITIONAL COMMENTSAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 25 of 36FOR FAMILY GUARANTEES ONLY: GUARANTOR SELF DECLARATION NOT REQUIRED FOR SPOUSAL GUARANTEES OR WHERE THEBORROWER AND GUARANTOR HAVE SHARED OWNERSHIP OF THE PROPERTYGUARANTOR SELF DECLARATIONI declare my relationship with the borroweis named .I understand that by providing a guarantee I may have to pay amounts owed by the borrower/s to ANZ.I have told the ANZ representative or the broker that I will have sufficient income/financial resources to meet my obligations under the guarantee ifcalled upon, but am aware that if I cannot pay these amounts this may result in the forced sale of property that I own.I understand that providing a guarantee may impact my ability to borrow in the future.I will be provided with documentation, including final details of the proposed lending, to consider before deciding whether to provide this guarantee.I understand that there are risks involved in providing a guarantee and ANZ recommends that I obtain independent legal and financial advice.Signed DateA COPY MAY BE PROVIDED TO THE GUARANTOR2.6 ANZ HOME LOAN APPLICATIONGUARANTOR SELF DECLARATIONAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 26 of 36COMPANY DETAILSCompany Name Company TypePty Ltd / Partnership / Trust / Sole Proprietor / Other:Business Type ACN/ABN Business Phone Business FaxTrading AddressBrief description of business Year commenced tradingHas business diversified? Who are the shareholders/ beneficiaries?No Yes if yes, when?Number of legal entities in groupNumber of legal entities with ANZPeriod of time with your current bank?Bank BranchDoes your business currently: If Yes or Intend to, please give details Operate as a franchise?Import/ export?Invest in property?No Yes intend toNo Yes intend toNo Yes intend to FINANCIAL PERFORMANCE SUMMARYBusiness trading results (last 2 years)Year endedTurnover $$$$$$ $$$$$$ Other income Depreciation Interest/ Lease Tax expense Net profit after tax Other Loan details (if insufficient space, please attach additional notes)Are other new ANZ business loans/ limits required? (include loans to be refinanced by ANZ) Loan Term Loan/ LimitLoan/ Limit purpose (working capital, investment, expansion, other) months and/ or years amount requested 1.2.3. $$$ $$$$ Total other new ANZ Business loans/ limits required Is 100% funding required for Term Loans? Please give details.No YesExisting Non–ANZ business loan/ limit details (exclude loans to be refinanced by ANZ, but include all other existing non–ANZ business loan/ limits)Please summarise any non–ANZ personal consumer loans/ limits held by proprietors/ directors/ guarantors (exclude credit cards)Please ensure the Guarantor’s Checklist is completed and sent with the application NameOwnedPosition1.%2.%3.%4.%5.% Does your business do more than 25% of its business with onecustomer or supplier? Please give details.No YesDoes your business have any taxation outstanding? Please give details.No YesIs the principal place of business subject to lease agreement?Please give details.No Yes Borrower(s) Name(s)Loan TypeRateFixed Rate?Remaining TermFinance providerLoan/ limit amount1.%No / Yes$2.%No / Yes$3.%No / Yes$ Loan/ Limit purposeRateFixed Rate?Remaining TermFinance providerLoan/ limit amount1.%No / Yes$2.%No / Yes$3.%No / Yes$ 2.7 ANZ HOME LOAN APPLICATIONBUSINESS ENTITY APPLICATION FORMAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 27 of 36COMPLETED AND SIGNED AUTHORITY FORM TO BE SUBMITTEDWITH A LOCK RATE LOAN APPLICATION.APPLICATION DETAILS (PLEASE COMPLETE ALL FIELDS BELOW)Applicant Name/sApplication Number (if available)Broker NameAO/SAO Fixed term:1 Year4 Years2 Years5 Years3 YearsLoan Amount ($)(excluding any LMI premium amounts)(maximum amount $1M)Lock Rate fee ($) *** ONE FORM PER FIXED RATE LOAN PRODUCT ***LOCK RATE FEE PAYMENTI/We authorise ANZ to debit the Lock Rate fee stipulated above from thecredit card or ANZ transaction account nominated below.Notes:• Payment of the Lock Rate Fee by credit card may incur additional charges;• If there are insufficient funds available in the nominated ANZ transactionaccount, fees and charges may apply. If your credit card transaction isunsuccessful, your application for Lock Rate will not be processed by ANZ.CREDIT CARD (ACCOUNT HOLDER TO SIGN) VisaCard numberMastercard Expiry DateFull Cardholder NameCardholder SignatureANZ TRANSACTION ACCOUNTANZ Access Advantage ANZ One ANZ Equity ManagerAccount BSB Account NumberAccount Name/sAccount Holder/s Signature: Account Holder/s Signature:(To be signed by all account holders) (To be signed by all account holders)7 5 0 . 0 02.8 ANZ HOME LOAN APPLICATIONLOCK RATE REQUEST AND FEE PAYMENT AUTHORISATIONAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 28 of 36Please complete the following section if you are opening i) a Breakfree package with a new Credit Card; and/or ii) an Equity Manager Account.Tax regulations require ANZ and its Controlled Entities (“ANZ”) to collect a Self-Certification that includes your tax residence(s). ANZ may be required to provideyour information to relevant tax authorities (including where you do not provide a valid Self- Certification).Automatic Exchange of Information may include the Foreign Account Tax Compliance Act (FATCA), and the Common Reporting Standard (CRS).Before you begin:(a) Complete this Self-Certification: If you are an Individual Account Holder, Sole Trader or Sole Proprietor. For joint or multiple Account Holders each IndividualAccount Holder must complete a separate Self-Certification.(b) Refer to the Australian specific terms/information at www.anz.com/aeoi(c) Obtain tax/legal/other professional advice (if required) before you complete this Self-Certification and sign Section 3SECTION 1: ACCOUNT HOLDER DETAILS1.1 Full NameFirst or Given Name(s) Surname1.2 Residence Address (Do not provide a PO Box or in-care-of Address)Address Line 1 Province/State/CountyAddress Line 2 Postal Code/Zip CodeCity/Town Country1.3 Date of Birth(DD/MM/YYYY)SECTION 2: ACCOUNT HOLDER TAX RESIDENCE(S)(Please note, US Citizens are considered to be Tax Residents of the US).2.1 I confirm:a) I am only Tax Resident in Australia ORb) I have included below all countries in which I am Tax Resident (other than Australia).Country of Tax Residence(Do not include Australia)Tax payer identification number (TIN)(or country equivalent)Reason Code(if TIN not provided)Explanation(only if Reason code is “Z”)Reason codes:A – TIN Not Issued (The Country does not issue TINs) B – TIN Not Required (The Country does not require collection of a TIN)C – TIN Applied For (I have applied for a TIN and will inform you upon receipt) Z – TIN Unobtainable (I am unable to obtain a TIN) Please provide explanation.SECTION 3: DECLARATIONS AND SIGNATUREI certify that:1. I am the Account Holder and/or authorised to sign/disclose for the AccountHolder.2. I have consulted an independent advisor where necessary and acknowledgethat ANZ has not provided any advice.3. I will notify ANZ of changes to any information (including TIN changes)within 30 days of the change occurring and, where required, will provideANZ with a new Self-Certification.4. I have attached all relevant documents (eg. Power of Attorney).5. I have provided true, correct and complete information.6. I will provide ANZ with any additional information and/or documentation asrequested.7. I understand that provision of false, inaccurate or incomplete informationmay constitute an offence(s) and penalties may apply.Signature Name DateOffice Use Only(Please print first and last name) (DD/MM/YYYY)2.9 ANZ HOME LOAN APPLICATIONINDIVIDUAL SELF-CERTIFICATIONAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 29 of 362.10 ANZ HOME LOAN APPLICATIONENTITY SELF-CERTIFICATIONPlease complete the following section if you are opening i) a Breakfree package with anew Credit Card; and/or ii) an Equity Manager AccountBefore you begin:Tax regulations require ANZ and its Controlled Entities (“ANZ”) to collect an Entity/Controlling Person(s) Self-Certification that establishes the Entity’s status andincludes tax residence(s). ANZ may be required to provide information to relevant taxauthorities (including where a valid Self-Certification(s) is not provided). AutomaticExchange of Information (AEOI) may include the Foreign Account Tax Compliance Act(FATCA) and the Common Reporting Standard (CRS).(a) Complete this Self-Certification: If you are an Entity (including all Other NonIndividual)Account Holder. For joint or multiple Account Holders each Entity must complete aseparate Self-Certification.(b) Refer to the Australian specific terms/information obtainable fromwww.anz.com/aeoi.(c) Obtain tax/legal/other professional advice (if required) before you complete thisSelf-Certification and sign Section 4.SECTION 1. ENTITY ACCOUNT HOLDER DETAILS: IF THIS ENTITY IS NOT THE ACCOUNT HOLDER, PLEASE ENSURE THIS SELF-CERTIFICATION ISCOMPLETED BY THE ACCOUNT HOLDER1.1 Name of Entity Account Holder1.2 Primary Nature of Business1.3 Country of incorporation, organisation or establishment1.4 Registered Office Address(Alternatively, your Principal Place of Business or Other Physical Address. Do not provide a PO Box Address)Street Address City/TownPost CodeCountry Province/State SECTION 2. ENTITY ACCOUNT HOLDER TYPE: PLEASE COMPLETE THE ENTITY STATUS AS ONE OF THE FOLLOWING: NON-FINANCIAL ENTITY(NFE), EXEMPT ENTITY, OR FINANCIAL INSTITUTION (FI). BY DOING SO, I CERTIFY THE ENTITY ACCOUNT HOLDER MEETS THE QUALIFYINGCONDITION(S) FOR EACH STATUS CLAIMEDNon-Financial Entity Please check one applicable optionacross (a) OR (b) and go to Section 3: Exempt Entity If the qualifying conditions are met, please check below and go to Section 4: one box(a) Active NFE:Active NFE (by income/assets):During the preceding calendar year or other appropriate reporting period, the Entity:1. Derived less than 50% of its gross income from passive sources; AND2. Held less than 50% of assets that produced or were held for production ofpassive income.Holding Company or Treasury Centre(that is a member of a non-financial group)Start-Up CompanyEntity in Liquidation or BankruptcyTax Exempt Non-Profit OrganisationPublicly Traded NFEA Corporation that is not an FI, AND the stock of which is regularly traded on anEstablished Stock ExchangeRelated Entity of Publicly Traded NFE.Provide the name of the Related Publicly Traded NFE:Central BankGovernment EntityInternational OrganisationEntity wholly owned by a Central Bank, Government Entity or InternationalOrganisation(b) Passive NFE:Passive NFEComplete 2.11 Annexure A Passive NFE/Other Relevant Entity Type – Controlling Persons Certification and the rest of this Self-Certification.If the Entity meets a FATCA status/Exemption not provided for on this Self-Certification, provide the relevant form W.Financial Institution Please complete the Entity’s CRS FI Status AND FATCA FI or Foreign FI (FFI) status below and goto Section 4:CRS statusDepository/Custodial Institution or Specified Insurance CompanyInvestment Entity – OtherManaged Investment EntityIf not tax resident in a Participating CRS country:• complete 2.11 Annexure A Passive NFE/Other Relevant Entity Type – ControllingPersons Certification and• the rest of this Self-Certification including Section 3 FATCGIIN notavailable:Pension/Retirement/Super Fund (meets FATCA exemption requirements)Non-Reporting IGA FFI Non-Participating FFI United States FI Territory FI Owner Documented FFI (Provide Form W-8)Other FI/Certified Deemed Compliant FFI – provide FATCA Status:A statusGIIN provision:Reporting Model 1 FFI Reporting Model 2 FFI Registered Deemed Compliant FFI Participating FFITrustee Documented Trust Sponsored FFIThe Entity GIIN is: or: GIIN has been ‘applied for’ ORORAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 30 of 362.10 ANZ HOME LOAN APPLICATIONENTITY SELF-CERTIFICATIONSECTION 3. ENTITY ACCOUNT HOLDER TAX RESIDENCE(S): IF THE THIRD CHECK BOX BELOW IS SELECTED, ALSO COMPLETEINFORMATION IN THE TABLE;Please check one applicable option below:the Entity is only Tax Resident in Australiathe Entity has no residency for tax purposes and its place of effective management or jurisdiction in which its principal/registered office is located isI have included below all countries in which the Entity is Tax Resident (other than Australia)Country of Tax Residence(Do not include Australia)Tax payer identification number (TIN)(or country equivalent)Reason Code(if TIN not provided)Explanation(only if Reason code is “Z”) For United States Country of Tax Residence only, provide your ‘Exemption from FATCA Reporting Code’ as per IRSForm W-9 (if applicable)Exemption from FATCA Reporting Code: Reason Codes: (if TIN not provided) A TIN Not Issued (The Country does not issue TINs.)B TIN Not Required (The Country does not require collection of a TIN)Z TIN Unobtainable (I am unable to obtain a TIN)C TIN Applied For (I have applied for a TIN and will inform you upon receipt) SECTION 4. ENTITY ACCOUNT HOLDER DECLARATION AND SIGNATURE: I CERTIFY THAT:1. I am authorised to sign for the Account Holder/Controlling Person(s).2. I have provided true, correct and complete information.3. I have consulted an independent advisor where necessary and acknowledge that ANZdoes not provide any advice.4. I understand that provision of false, inaccurate or incomplete information may constitutean offence(s) and penalties may apply.5. I have obtained the necessary consent and authorisation to allow disclosure and useof the information provided in this Self-Certification (including Annexure A to this SelfCertification).6. I will notify ANZ of changes to any information within 30 days of the change occurringand, where required, will provide ANZ with a new Self-Certification.7. I will provide ANZ with any additional information and/or documentation as requested.8. I have provided/will provide the applicable documents (eg. Power of Attorney / Form W).Signature Print name Date(Please also provide documentary evidence of the capacity to sign)Office Use OnlyAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 31 of 36If there are more than three Controlling Persons, provide additional copies of this page as required. The total Number of Pages provided for Annexure A is:Office Use OnlySECTION 1. PASSIVE NFE/OTHER RELEVANT ENTITY:Name of Entity Account HolderIndicate the total number of Controlling Personsfor the Account Holder (detailed in full below)1.1 CONTROLLING PERSON DETAILS:a) Full Name of Controlling Personb) Date of Birth (DD/MM/YYYY)c) Full Residence Address Countryd) Tax Residency Information: (Please check appropriate box and complete the table)This Controlling Person is only Tax Resident in Australia OR I have included below all countries in which the Controlling Person is Tax Resident (other than Australia)Please note, US Citizens are considered to be Tax Residents of the US.Country of Tax Residence(Do not include Australia)Tax payer identification number (TIN)(or country equivalent)Reason Code(if TIN not provided)Explanation(only if Reason code is “Z”)1.2 CONTROLLING PERSON DETAILS:a) Full Name of Controlling Personb) Date of Birth (DD/MM/YYYY)c) Full Residence Address Countryd) Tax Residency Information: (Please check appropriate box and complete the table)This Controlling Person is only Tax Resident in Australia OR I have included below all countries in which the Controlling Person is Tax Resident (other than Australia)Please note, US Citizens are considered to be Tax Residents of the US.Country of Tax Residence(Do not include Australia)Tax payer identification number (TIN)(or country equivalent)Reason Code(if TIN not provided)Explanation(only if Reason code is “Z”)1.3 CONTROLLING PERSON DETAILS:a) Full Name of Controlling Personb) Date of Birth (DD/MM/YYYY)c) Full Residence Address Countryd) Tax Residency Information: (Please check appropriate box and complete the table)This Controlling Person is only Tax Resident in Australia OR I have included below all countries in which the Controlling Person is Tax Resident (other than Australia)Please note, US Citizens are considered to be Tax Residents of the US.Country of Tax Residence(Do not include Australia)Tax payer identification number (TIN)(or country equivalent)Reason Code(if TIN not provided)Explanation(only if Reason code is “Z”)Reason Codes:A TIN Not Issued (The Country does not issue TINs.)B TIN Not Required (The Country does not require collection of a TIN)C TIN Applied For (The Controlling Person has applied for a TIN andwe will inform you upon receipt)Z TIN Unobtainable (The Controlling Person is unable to obtain a TIN)2.11 ANZ HOME LOAN APPLICATION ANNEXURE APASSIVE NFE/OTHER RELEVANT ENTITY TYPE– CONTROLLING PERSONS CERTIFICATIONAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 32 of 36SECTION 2. ENTITY ACCOUNT HOLDER DECLARATION AND SIGNATURE: I CERTIFY THAT:1. I am authorised to sign for the Account Holder/Controlling Person(s).2. I have provided true, correct and complete information.3. I have consulted an independent advisor where necessary and acknowledge that ANZdoes not provide any advice.4. I understand that provision of false, inaccurate or incomplete information may constitutean offence(s) and penalties may apply.5. I have obtained the necessary consent and authorisation to allow disclosure and useof the information provided in this Self-Certification (including Annexure A to this SelfCertification).6. An authorised representative of the Account Holder/Controlling Person will notify ANZ ofchanges to any information within 30 days of the change occurring and, where required,will provide ANZ with a new Self-Certification.7. I will provide ANZ with any additional information and/or documentation as requested.8. I have provided/will provide the applicable documents (eg. Power of Attorney / Form W).Signature Print name Date(Please also provide documentary evidence of the capacity to sign)2.11 ANZ HOME LOAN APPLICATION ANNEXURE APASSIVE NFE/OTHER RELEVANT ENTITY TYPE– CONTROLLING PERSONS CERTIFICATIONAustralia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 33 of 363 ANZ HOME LOAN APPLICATIONAPPLICANT/GUARANTOR DECLARATION (P1 OF 4)APPLICANT/GUARANTOR DECLARATIONIn 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 itsrelated companies (incl subsidiaries). Throughout the Declaration, Qantas is Qantas Airways Limited ABN 16 009 661 901.Collection of your informationANZ is collecting your personal information to enable it to assess this application and for the purposes described in the product terms and conditions. Withoutthis 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 alsoagree that ANZ may collect information about your credit history from a credit reporting body to assist us in assessing whether to accept you as a guarantor.Disclosure of your informationYou agree that ANZ may disclose your personal information (which may include information about your credit history obtained from a credit reporting body) to:• any person who introduces you to ANZ, including the ANZ ApprovedOriginator submitting this Loan Application to ANZ;• any agent, contractor or service provider ANZ engages to carry out orassist its functions and activities;• an organisation that assists ANZ to identify, prevent or investigate anyfraud, unlawful activity or misconduct (or suspected fraud, unlawfulactivity or misconduct);• your employer;• another credit provider to assess a credit application made by you (toANZ or the other credit provider) or to investigate suspected fraud onyour account (held with ANZ or the other credit provider);• valuation service providers for the purpose of them obtaining aproperty valuation as required by ANZ and who may combine yourproperty information with other information in their databases toimprove their services;• your referee;• your joint borrower(s) or account holder(s);• any related entity of ANZ;• a guarantor or intending guarantor, to enable that person to considerwhether or not to act your guarantor; and• any person who has offered, or is considering whether to offer,property as security for your credit product.ANZ may disclose information to recipients (including service providers and related entities) which are (1) located outside Australia and/or (2) not establishedin or do not carry on business in Australia. You can find details about the location of these recipients in ANZ’s Privacy Policy and at www.anz.com/privacy.Promotion of other products or servicesANZ may use your personal information to help ANZ promote its products or services or those of its related entities or organisations that are in a product ormarketing alliance with ANZ (alliance partners). ANZ may also disclose your personal information to its related entities or alliance partners to enable them orANZ to tell you about a product or service.Where you do not want ANZ to tell you about its products and services or those of its related entities or alliance partners, you may call 13 13 14 at any time towithdraw your consent.Approved OriginatorANZ may also disclose any information about your credit arrangement (including your current loan balance) to the Approved Originator or their nominatedrepresentative, its officers and any successor for the purposes of furthering your application; enabling the Approved Originator to ascertain when it is entitled to atrailer fee (being an ongoing fee for the term of the loan) or calculate its trailer fee; or for any other reasonable purpose including post settlement activities.Qantas (Breakfree Customers only)ANZ may disclose your information to Qantas and Qantas may, in accordance with the Qantas Frequent Flyer terms and conditions, disclose your personalinformation to any service provider Qantas engages to carry out or assist its functions and activities, use your information to plan, research, market andpromote its products and services or those of its related companies and may disclose your personal information to ANZ’s alliance partners to enable them orQantas to market their products or services.Credit ReportingANZ may also disclose your information, including information about your other credit liabilities, repayments and defaults, to credit reporting bodiesInformation about credit reporting, including: the name and contact details of these credit reporting bodies; when ANZ may disclose your information tothem to include in a report about your credit worthiness; and how you can request credit reporting bodies not use your information in certain circumstances,is available at www.anz.com/privacy. For a hard copy of this information, please call 13 13 14 or visit any ANZ branch for a copy of ANZ’s Privacy Policy.Privacy PolicyANZ’s Privacy Policy (www. anz.com/privacy) also contains information about:• any laws that require or authorise ANZ to collect certain information from you;• the circumstances in which ANZ may collect your information from other sources (including from a third party);• how to access your information and seek correction of your information; and• how you can raise concerns that ANZ has breached the Privacy Act or an applicable Code and how ANZ will deal with these mattersFurther informationYour product terms and conditions booklet and our ANZ Privacy Policy contain further information about our handling of the information we collect duringthe course of your relationship with ANZ.If you have provided information about someone else, please show them a copy of this clause so that they may understand how ANZ may use and disclosetheir information.Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 34 of 36Nomination for Correspondence – under the National Credit Code for a Credit ContractImportant information for people completing this declaration: Each debtor is entitled to receive a copy of any notice or other document under the National Credit Code. Bycompleting this declaration, I am/we are giving up the right to be provided with information direct from ANZ. Any person who has signed this form can advise ANZ at any time inwriting that they wish to cancel their nomination.I/We nominate (full name of person nominated)Print address of nominated partyDescription of Credit (loan type and amount)to receive notices and other documents under the National Credit Code on behalf of me/all of us.BREAKFREE PACKAGE TERMS AND CONDITIONSI/we consent /authorise and acknowledge the following:• Nomination of Mandatory AccountsNote: 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 theANZ Breakfree Terms and Conditions for full details.• As specified in Section 1B, I/We acknowledge that the ANZ Assured & Personal Overdraft – Terms and Conditions govern any use of an ANZ Assured facility. If ANZaccepts my/our application for ANZ Assured, I/we understand that ANZ will provide me/us with these Terms and Conditions.• Unused PointsI/We understand 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 Frequent Flyer points will automatically be credited to my/our Qantas Frequent Flyer account unless I/we have not provided ANZ with my/ourQantas Frequent Flyer number. ANZ must receive my/our Qantas Frequent Flyer membership number within 60 days after the date of closure, or any Points in thePoints Record as at that date will be cancelled and may not be credited to a Qantas Frequent Flyer program account.LOCK RATE TERMS AND CONDITIONSI/We apply to ANZ for an ANZ Lock Rate Facility so that the fixed interest rate for the loan term listed can be locked in. I/We confirm that all information on the lock raterequest and fee payment authorisation form is true, correct and complete, and I/we understand and agree that:• The interest rate will only be locked once ANZ has received payment of the Lock Rate fee (i.e. this request and the Lock Rate fee have been successfully processedby ANZ);• The Lock Rate will only apply for 90 days from the receipt of payment of the Lock Rate fee;• The interest rate that is locked may differ from the rate that applies at the time this Lock Rate application is signed;• In relation to the Lock Rate fee:– If the interest rate decreases after the rate has been locked, a refund of the Lock Rate fee is not available should the lower rate be requested;– If there are any changes requested to the loan terms after the loan application is lodged with ANZ e.g. loan amount, loan term or fixed rate period and the ratehas already been locked, the Lock Rate and the Lock Rate fee will be forfeited and a further Lock Rate fee will be payable;– The Lock Rate fee will not be refunded if the lock rate period expires and the loan has not been drawn;– The Lock Rate fee will be refunded if the loan application is declined by ANZ;– The Lock Rate fee will be forfeited if I/we withdraw the loan application• The Lock Rate will only apply if the loan amount is drawn in one amount (Lock Rate does not apply to loans which are to be progressively drawn down);• Bank fees and government fees (if applicable) cannot be capitalised to the loan;• Acceptance of this request by ANZ does not constitute approval of my/our loan application.3 ANZ HOME LOAN APPLICATIONAPPLICANT/GUARANTOR DECLARATION (P2 OF 4)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 35 of 36DECLARATION SIGNATUREDeclaration required in respect of all products applied for pursuant to this application. It is to be signed by all applicants and intending guarantors. My/Our signaturebelow evidences my/our understanding and consent to all matters set out in this application and this declaration. By signing below,I/we consent /authorise and acknowledge the following:APPLICATION INFORMATION AND STATEMENT OF FINANCIAL POSITION• Confirm that the information contained in, and accompanying, the Loan Application (including all information submitted online and any information contained inthe Personal Statement of Financial Position) and all the information provided by me/us to the ANZ Approved Originator, is true, correct and complete and given insupport of this application and that any documents provided containing financial information are true copies of the final signed versions of the original documents.• I/We declare that the information contained in all applicants’ Personal Statement of Financial Position submitted in this Application is true and correct.LOAN INTERVIEW• I/We acknowledge that the information set out in the ‘BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY RESIDENTIAL PROPERTY’ accurately andfairly reflects the conversation I/we have had with the broker.PERSONAL/EMPLOYMENT DETAILS:• ANZ to confirm the details contained in my/our Loan Application with my/our accountant, financial adviser or employer. A copy of this acknowledgment pagemay be give to my/our accountant, financial adviser or employer as evidence of my/our consent to them confirming with ANZ any of the details in my/our LoanApplication.REPRESENTATION/WARRANTY• I/We have not relied upon any representation or warranty made by the ANZ Approved Originator named on page 1 before submitting this loan application.• That an Approved Originator is not an agent and acts independently of ANZ. If I/we require any information regarding the loan product which is the subject of thisLoan Application or any other loan products of ANZ then I/we can contact ANZ directly.NOMINATION FOR CORRESPONDENCE AND SUPPORTING LOAN DOCUMENTATION• Where the ‘Nomination for Correspondence’ has been completed, by signing this Declaration I/we agree to the nominated person receiving notices and otherdocuments under the National Credit Code on behalf of me/us.• Supporting loan documentation may be sent/received via intermediary online submission, Online Document Submission in the Broker Portal, electronic mail or via fax.Please tick this box and sign below if you wish to consent to ANZ communicating with you via email or by sending you a link to access information. This means thatpaper documents may no longer be sent to you. You may withdraw your consent at any time and should regularly check electronic communications for notices.Password for eDocuments Customer Email AddressTo meet ANZ Security Standards passwords must be: 8 Digits, at least 1 capital and lower case alphabetic character, at least 1 number and 1 non-alphabeticcharacter (12Av45j!).3 ANZ HOME LOAN APPLICATIONAPPLICANT/GUARANTOR DECLARATION (P3 OF 4)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 36 of 36Applicant/Guarantor Co-applicant/GuarantorPrint Name Print NameSignature Date Signature DateCo-applicant/Guarantor Co-applicant/GuarantorPrint Name Print NameSignature Date Signature DateACKNOWLEDGEMENT BY BROKERI (Broker) acknowledge that I have asked all the above questions and notified the applicant(s)of the risks associated with their selected loan features, including the risks identified above. I confirm I have not provided the applicant(s) with tax orfinancial advice.Witness Signature (ANZ Approved Originator) I confirm the information contained within this application is true and correct.Signature Date3 ANZ HOME LOAN APPLICATIONAPPLICANT/GUARANTOR DECLARATION (P4 OF 4)Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. Item No. 92375 11.2018 W603205

QUALITY: 100% ORIGINAL PAPER – NO PLAGIARISM – CUSTOM PAPER

Leave a Reply

Your email address will not be published. Required fields are marked *