Standard Finance Application - United Fortune Financial

Starting information

What is your mobile phone number? *

What is your email address? *

Is this a single or a joint application? *

I found you through: *

I have spoken to: *

Loan Amount *

Loan Purpose *

Description of goods: *

Let's get to know you

Let’s get to know you

What’s your name? (as it appears on your drivers licence)

First Name *

Middle Name *

Last Name *

What is your date of birth? *

What state are you in? *

What’s your driver’s licence number? *

What’s the expiry date of your drivers licence? *

What’s your marital status? *

How many dependants do you have? *

Residential Details

In the last 3 years, how many places have you lived? *

Current address – Street address *

Current address – Suburb *

Current address – Postcode *

Current address – State *

How long have you been at this address? (years) *

How long have you been at this address? (months) *

What’s your residential status? *

Who is your home loan with? *

How much rent or board do you pay each week? *

What are the contact details of your landlord? *

Previous Address 1

What was your previous address?

City

Postcode

State

Country

How long have you been at this address? (years)

(months)

What's your residential status?

Previous Address 2

What was your previous address?

City

Postcode

State

Country

How long have you been at this address? (years)

(months)

What's your residential status?

Previous Address 3

What was your previous address?

City

Postcode

State

Country

How long have you been at this address? (years)

(months)

What's your residential status?

Tell us about your employment

In the last 3 years how many places have you worked? *

What type of employment do you have currently? *

What’s your employer’s name? *

What’s your employer’s phone number? *

What's your ABN? *

Do you work over 20 hours a week or under 20 hours a week? *

What's your business's address? *

What's your work address? *

City *

Postcode *

Country *

How long have you been employed for at this job? (years) *

How long have you been employed for at this job? (months) *

What position do you hold? *

What’s your net (after tax) income? *

Payment Frequency *

Previous Employer 1

Who was your previous employer? *

What position did you hold? *

How long have you been employed for at this job? (years) *

(months) *

Previous Employer 2

Who was your previous employer?

What position did you hold?

How long have you been employed for at this job? (years)

(months)

Tell us about your Assets & Liabilities

Property / Mortgage

Property / Mortgage – What's the value of the property? *

Property / Mortgage – How much is owing? *

Property / Mortgage – What are the monthly repayments? *

Investment Property

Investment Property – What's the value of the property? *

Investment Property – How much is owing? *

Investment Property – What are the monthly repayments? *

Personal Loan

Personal Loans – Who's the financier *

Personal Loans – How much is owing? *

Personal Loans – What are the monthly repayments? *

Motor Vehicle

How many motor vehicles do you have? *

Motor Vehicle 1 – What's the current value? *

Motor Vehicle 1 – How much is owing? *

Motor Vehicle 1 – What are the monthly repayments? *

Motor Vehicle 1 – Who is the loan with? *

Motor Vehicle 2

Motor Vehicle 2 – What's the current value? *

Motor Vehicle 2 – How much is owing? *

Motor Vehicle 2 – What are the monthly repayments? *

Motor Vehicle 2 – Who is the loan with? *

Credit Card

How many credit cards do you have? *

Credit Card – Who's the financier? *

Credit Card – What's the credit card limit? *

Credit Card – How much is owing on the credit card? *

Credit Card 2

Credit Card 2 – Who's the financier? *

Credit Card 2 – What's the credit card limit? *

Credit Card 2 – How much is owing on the credit card? *

Shares

Shares – What's the total value of your shares? *

Personal & Houshold Effects – What’s the total value? *

Cash In Bank – What’s the total value? *

Superannuation – What’s the total value? *

What are your weekly living expenses?

Food & Beverage: *

Communication – Phone, Internet, Cable TV etc.: *

Travel & Transport – Including new asset, rego, petrol, bus/train fares etc.: *

Utilities – Electricity, Rates etc.: *

Childcare & Education: *

Insurance – including proposed asset, CTP, building, contents, health, income protection etc.: *

Other:

Please describe the other expenses

Total

Tell us about your previous credit history

Have you had any previous credit defaults? *

Who was the default with? *

Has it been paid? *

Why did the default occur? *

Have you applied for a credit through a payday lender in the last 12 months? *

Who through? *

How much? *

How much is owing? *

Final Information

Would you like a quote for car insurance and/or warranty? *YesNo

Do you expect significant financial changes to happen over the term of the loan? *

Please specify changes *

FSG Credit Guide and Credit Quote

FINANCIAL SERVICES GUIDE

ABOUT THIS FINANCIAL SERVICES GUIDE This Financial Services Guide (FSG) is designed to assist you to decide whether you wish to use any of the services we provide. It contains information about how we and others are remunerated in relation to the services, and about how you may access our internal and external dispute resolution procedures. This guide is made up of: Part 1 – containing information about us and the services we can provide to you; and Part 2 – containing information relevant to each Australian Financial Services Licensee on whose behalf we are authorised to act. Please keep this document in a safe place for your future reference. OTHER DISCLOSURE DOCUMENTATION You may also receive one or more of a Statement of Advice (“SoA”) or General Advice Warning (“GAW”), and a Product Disclosure Statement (“PDS”). • A Statement of Advice contains information about any personal advice we give you so that you can make an informed decision about whether or not you act upon it. Personal Advice is advice that takes into account any one or more of your objectives, financial situation and needs. The Statement of Advice will contain advice, the basis on which it is given and information about how we are remunerated, as well as any associations or relationships which may have influenced the advice. A Statement of Advice must be given at the same time, or as soon as practicable after, personal advice is provided.

• A General Advice Warning, if given, will warn you that any advice given is of a general nature and does not take your personal needs, objectives or financial situation into account.

• If we make a recommendation that you acquire a particular financial product, or offer to issue, or arrange the issue of a particular financial product to you, where required, we will also provide you with a Product Disclosure Statement. A Product Disclosure Statement sets out the significant features of the product as well as other information and details required by law to be included in a Product Disclosure Statement and will assist you to compare and make an informed decision about whether to purchase the financial product or not. We will give it to you before the financial product is provided.

PART 1 ABOUT YOUR FINANCIAL SERVICES AUTHORISED REPRESENTATIVE United Financial Services (Qld) Pty. Limited ABN: 43 073 887 813 (“UFSQ”) Authorised Representative number: 234385 PO Box 7220, Hemmant QLD 4174 Tel: 07 3908 0800 Fax: 07 3890 4150 Email: enquiries@ufsq.com.au The person issuing this FSG is employed by United Financial Services (Qld) Pty Limited or by UFSQ’s agent. UFSQ is a Corporate Authorised Representative of the Licensee(s) listed in PART 2 of this guide and is authorised to provide the services detailed in that part on their behalf. This Financial Services Guide is distributed under the authorisation of each of the licensees.

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GENERAL ADVICE WARNING We are required to inform you that where an Authorising Licensee authorises us to give advice* we only give General Advice and we warn you that: • the advice given does not take into account your objectives, financial situation or needs; and

• because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regard to your objectives, financial situation and needs; and

• you should refer to the Product Disclosure Statement relating to the product and consider the Statement before making any decision about whether to acquire the product. [*The financial services and advice we are authorised to provide are contained in PART 2 of this FSG.]

REMUNERATION AND OTHER BENEFITS You may be charged a fee for our services. We will tell you if this is the case and agree with you on the type of fee to be charged, how it is to be calculated and when it is payable before we provide our service. We may also receive a commission (or share of it) for our services from our licensees or the product issuer if our licensee is not the product issuer. In some cases we receive an upfront commission which is part of the total premium payable by you for the product. It is a percentage of either the: • Gross Written Premium (“GWP”) being the total amount of premium paid by the customer to the insurer in respect of the insurance arranged, or

• Net Premium (“NP”) being GWP less stamp duty, fire services levy (where applicable), GST and any other government charges, taxes, fees or levies.

The commission varies depending on the licensee, product issuer and product. Commission may be received by us when we receive your premium or by the end of the month or such later time as agreed with the licensee or product issuer. It is paid each time you buy or renew a policy and in some cases when you vary it. We may receive all, or a share, of other forms of commission. These include profit share and volume bonus commission. They are payments from the product issuer and/or licensee based, over an agreed period, on: • the profit that they earn on certain business; and/or

• the volume of certain business we introduce to them, within an agreed period.

It may be a percentage of the profit (or levels of profit) or an agreed amount depending on the level of profit achieved and may be paid monthly, quarterly, annually or as otherwise agreed. Our representatives may also receive:

• an annual salary which may include additional remuneration based on performance against sales targets and/or other performance criteria

• various soft dollar payments such as business related conferences, study trips, or other functions paid for by the product issuers, our licensees or our principals.

Where a third party has referred you to us, we may share with them part of the amount of commission or fees we receive in relation to the relevant product or service we provide to you or pay them an agreed referral fee. Further details of the remuneration (including commission) and benefits we may receive that are particular to each licensee are set out in PART 2. IF YOU HAVE A COMPLAINT OR DISPUTE If you have a complaint or dispute, whether or not we are able to resolve your problem ourselves, we are obliged to promptly refer them to the relevant Licensee. All Licensees have internal dispute resolution procedures and are required to be a member of an ASIC approved external dispute resolution service (“EDRS”). If we or the Licensee are unable to resolve your complaint internally it will be referred to their EDRS which may be able to resolve the dispute. Please refer to Parts 2 and 3 for further details. HOW YOU CAN PROVIDE INSTRUCTIONS TO US If you want to provide us with instructions in relation to the financial services and products we can offer, contact us using the details provided above.

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United Financial Services (Qld.) Pty. Limited PART 2 LICENSEE DETAILS Part 2 sets out details of: • The Australian Financial Service licensee(s) on whose behalf we are authorised to act; • The kinds of financial services we are authorised to provide for them and the financial products to which they relate; • Any relevant associations or relationships which may influence us in providing our services; • Further remuneration details; and • Other relevant information.

We are authorised to provide financial services on behalf of the following licensees:

• Australian Warranty Network Pty Ltd AFSL 246469 • AVEA Insurance Limited AFSL 238279 • Club Marine Limited AFSL 236916 • MTA Insurance Limited AFSL 239912 • Swann Insurance (Aust) Pty Ltd AFSL 238292 We also act as a distributor to provide financial services on behalf of the following licensees: • AAI Limited trading as Suncorp Insurance AFSL 230859

Please refer to Part 3; Distributor Details, for further information. Please note that where we act as a distributor we are not an authorised representative of the licensee.

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AUSTRALIAN WARRANTY NETWORK PTY LTD (“AWN”) ABN: 78 075 783 206 AFSL No: 246469 Address: AWN Corporate Centre, 3801-3803 Pacific Highway, Tanah Merah QLD 4128 Tel: 07 3802 5577 Fax: 07 3801 1539 Email: Authorised Financial Service We are authorised to do the following on behalf of AWN in accordance with the terms of our agreement with them: • Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding authority which means that only the product issuer can agree to issue, vary or dispose of these products. • Provide general financial product advice (but NOT personal financial product advice) in relation to the financial products listed below

HOW WE ARE PAID The following sets out further details of the relevant remuneration payable by the licensee in relation to the provision of financial services. AWN PRODUCTS

COMMISSION RATE

Vehicle Warranty Insurance

Up to 67% of the retail price

OTHER REMUNERATION, COMMISSIONS AND LIMITS As stated in Part 1 of this FSG, we may also receive a volume bonus or additional commission from AWN. This may be a percentage of the retail price or an agreed dollar amount. These amounts maybe based on the volume of business we generate, our achievement of agreed sales targets and/or market forces within the industry. All these factors may vary from time to time. These amounts will be paid periodically and will not exceed 10% of the total amount that you pay. We may receive items and prizes from AWN’s Reward Program. These include corporate conferences, caps, shirts, jackets, pens and other miscellaneous items. We may also be provided with other benefits such as point of sale advertising and marketing materials to assist in the sale, marketing and promotion of AWN products.

DISPUTE RESOLUTION If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. AWN will have an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution service (“EDRS”). AWN is a member of Financial Ombudsman Service Ltd (FOS), an EDRS. If AWN is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider your complaint. This is a free service.

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AVEA INSURANCE LIMITED (“AVEA”) ABN 18 009 129 793 AFSL No: 238279 PO Box 116 Berwick, VIC 3806 Tel: 1800 999 977 Fax: 03 8878 1881 Email: aveainsurance@avea.com.au Authorised Financial Service We are authorised to do the following on behalf of AVEA in accordance with the terms of our agreement with them: • Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding authority which means that only the product issuer can agree to issue, vary or dispose of these products • Provide general financial product advice (but NOT personal financial product advice) in relation to the financial products listed below. ASSOCIATIONS OR RELATIONSHIPS Avea acts under a distributor arrangement with MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 (Metlife) whereby Metlife is the issuer and underwriter of any life insurance component of an Avea Consumer Credit Insurance (CCI) product sold to you by Avea or its authorised representatives. For details of the remuneration of TPI(s), Authorised Representative(s) and other parties they contract with (and their employees) in relation to the life insurance component of an Avea CCI product, see below. National Insurance Choice (ABN 85 114 352 680) or Motorsure Pty Ltd (ABN 14 086 238 557) act as a The Third Party Introducer of Avea’s products to us and provides these services under authority from Avea. What remuneration is payable in relation to the financial services we provide? The following sets out further details of the relevant remuneration payable by the licensee in relation to the provision of our financial services. AVEA AND ITS EMPLOYEES Avea receives the premium you agree to pay for the product which may include amounts in relation to stamp duty, GST, fire services levy and/or other government charges, taxes, fees or levies (where relevant). Avea employees receive a salary from Avea and may receive bonuses, and incentives. THIRD PARTY INTRODUCER (TPI), AUTHORISED REPRESENTATIVE(S) AND OTHER PARTIES THEY CONTRACT WITH (AND THEIR EMPLOYEES) Avea retains an agreed amount of the premium dependent on factors such as the type of product and coverage and the relevant TPI’s services and retains the amount of premium received in relation to relevant taxes, charges and levies. The TPI receives the difference between that amount and the premium paid. In addition to other parties that contract with the TPI to undertake some or all of the TPI’s duties(where relevant), we will receive a share of the amount that the TPI receives from Avea, in the form of an agreed commission and/or fee between the TPI and us and/or other party (as relevant). Employees of the TPI and/or the Authorised Representative(s) (including directors and subcontractors) may be paid a salary for their services and may also receive bonuses based on the volume of sales of all financial products over a period and may participate in profit sharing arrangements, business related conferences, study trips or other functions. The TPI and/or Authorised Representatives may share or pass on a proportion of any additional remuneration or other benefits they receive to their authorised staff. Where a third party has referred you to the TPI, Authorised Representative or another party they contract with, that party may share with them a part of the amount it earns.

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All of the above remuneration is taken from the premium paid by you. This remuneration may also be received on premium paid when you renew or vary your insurance. If you would like more information about the remuneration that we or other entities receive in relation to the above services, please ask us. The request should be made within a reasonable time after this FSG is provided to you and before we provide you with a financial service to which this FSG relates. DISPUTE RESOLUTION Avea has an internal procedure for Dispute Resolution so that if at any time Avea’s products or services (including our services, when acting on behalf of Avea) have not satisfied your expectations you can contact Avea. If you have a complaint, please give Avea every opportunity to try to resolve your complaint. Avea has a two-step Internal Complaints process as required by the General Insurance Code of Practice. Please contact Avea using the above contact details or seek further information at www.avea.com.au if you have further A dispute can be referred to the Financial Ombudsman Service (FOS) subject to its terms of reference. It provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms and its contact details are: The Financial Ombudsman Service Local call: 1300 780 808 Post: GPO Box 3, Melbourne, Victoria 3001 Website: www.fos.org.au

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CLUB MARINE LIMITED (“Club Marine”) ABN 12 007 588 347 AFSL No: 236916 Address: 40 the Esplanade, Brighton VIC 3186 Tel: 1300 00CLUB (2582) Fax: 03 8615 8178 Email: vic@clubmarine.com.au Authorised Financial Service We are authorised to do the following on behalf of Club Marine in accordance with the terms of our agreement with them: • Arrange, issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding authority which means that only the product issuer can agree to issue, vary or dispose of this product. • Provide these services on a general financial product advice basis (but not personal advice).

ASSOCIATIONS OR RELATIONSHIPS Club Marine is an agent of the insurers Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850 AFSL 234708 and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (“Allianz Life”) and is a member of the Allianz Group. HOW WE ARE PAID The following sets out further details of the relevant remuneration we may receive from the licensee in relation to the provision of our financial services. CLUB MARINE PRODUCTS

COMMISSION RATE

Pleasurecraft Insurance Up to 30% of Net Premium Pleasurecraft Equity Insurance Up to 55% of Net Premium Loan Protection Insurance Up to 20% of Net Premium

OTHER REMUNERATION, COMMISSIONS AND LIMITS Club Marine may also charge you an administration fee when you first enter into a policy and on variation, renewal or cancellation. The amount ranges up to $50 depending on circumstances. From time to time we may participate is sales incentive schemes and/or competitions and may receive promotional items or financial assistance to assist with the promotion of Allianz and Allianz Life products. The benefits received from these sales incentive schemes and/or competitions will not exceed 5% of the combined annual Pleasurecraft Insurance and Pleasurecraft Equity Insurance net premium. Our representative may share in our commission and/or be paid a salary. They may receive bonuses or other incentives and rewards depending on their performance relating to the sale of products and other business criteria. DISPUTE RESOLUTION If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. Club Marine will have an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution service (“EDRS”). Club Marine is a member of Financial Ombudsman Service Ltd (FOS), an EDRS. If Club Marine is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider your complaint. This is a free service.

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MTA INSURANCE LIMITED (“MTA”) ABN 35 070 583 701 AFSL No: 239912 Address: Building 23 Garden City Office Park, 2404 Logan Road Eight Mile Plain QLD 4113 Tel: 07 3392 1366 Fax: 07 3392 1367 Email: enquiries@mtai.com.au Authorised Financial Service We are authorised to do the following on behalf of MTA in accordance with the terms of our agreement with them: • Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding authority which means that only the product issuer can agree to issue, vary or dispose of these products • Provide general financial product advice (but NOT personal financial product advice) in relation to the financial products listed below

ASSOCIATIONS OR RELATIONSHIPS MTA Insurance has an arrangement with AAI Limited and Suncorp where it distributes products branded MTA Insurance. MTA Insurance is a wholly owned subsidiary of AAI Limited and a related body corporate of Suncorp. MTA Insurance may receive operational support services and other resources from AAI Limited and its related bodies corporate. MTA Insurance is given a binding authority to arrange the issue of insurance policies on behalf of both AAI Limited and Suncorp which means it can approve and accept an application for insurance, it also handles general insurance claims on behalf of AAI Limited. In providing any services under the binder, MTA act on behalf of AAI Limited and Suncorp and not on your behalf. The Corporations Act (Cth) 2001 requires Australian Financial Services Licensees to have arrangements for compensating retail clients for losses they suffer as a result of a breach by the licensee or its representatives of Chapter 7 of this Act, unless an exemption applies. MTA Insurance has compensation arrangements in place.

HOW WE ARE PAID The following sets out further details of the relevant remuneration payable by the licensee in relation to the provision of financial services. MTA PRODUCTS

COMMISSION RATE

Consumer Credit Insurance Up to 20% of GWP Consumer Credit Insurance (business purpose) Up to 30% of GWP Equity Plus Insurance Up to 56% of GWP Cash Benefit Insurance Up to 51% of GWP

OTHER REMUNERATION, COMMISSIONS AND LIMITS The following additional benefits are paid by MTA Insurance Limited. Equity Plus Insurance/Cash Benefit Insurance: Our employee, contractor, director or associates who arrange insurance may receive a benefit paid monthly ranging from 2.89% to 7.19% of the total amount you pay (including premium, GST and govt. charges). This benefit may be taken in a number of ways including non-cash benefits to an equal value. We may also receive a bonus which is based on the volume of business we generate and achievement of sales targets. These factors may vary from time to time. The bonus is paid periodically and will not exceed 13.8% of the premium (excludes Consumer Credit Insurance (CCI)). We may also participate in sales incentive schemes, competitions or promotions from time to time or on an ongoing basis. UFSQ 037 V1.27 05-15

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Our authorised sales staff receive a salary and share in a proportion of the commission, bonus and/or sales incentives, however such payments will not exceed the amounts paid to us by MTA Insurance.

DISPUTE RESOLUTION If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. MTA will have an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution service (“EDRS”). MTA is a member of Financial Ombudsman Service Ltd (FOS), an EDRS. If MTA is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider your complaint. This is a free service.

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SWANN INSURANCE (AUST) PTY LTD (“Swann”) About this Financial Services Guide (FSG) This FSG is designed to assist you in deciding whether to use the financial services we provide. It explains the kinds of financial services we provide and contains general information about us, how we are paid and the dispute resolution procedures available to you and how to access them.

Other Documents You May Receive You may also receive one or more Product Disclosure Statements (PDS) if we recommend that you acquire a policy or offer to arrange for a policy to be issued to you. The PDS contains information about the significant benefits and features of the insurance policy and of the rights, terms and conditions attaching to the policy. It is aimed at assisting you to compare insurance products so that you can make an informed choice about whether to acquire the product.

Name of authorised representative and licensee Company UNITED FINANCIAL SERVICES (QLD) PTY. LIMITED ABN: 43073887813 Authorised Representative No: 234385 Address. 6/20 RIVERGATE PLACE, MURARRIE, QLD 4172 Phone: 07 3908 0800 Email: darren.hughes@ufsq.com.au Licensee We are the Authorised Representative of Swann Insurance (Aust) Pty Ltd AFS License No: 238292 (Swann). We are authorised to provide the financial services set out in this FSG and act as Swann’s agent. Swann is an APRA regulated licensee. While this means that Swann is exempt from the need to have ASIC approved professional indemnity insurance, Swann holds adequate professional indemnity insurance. Its contact details are:

Address: Level 14, 181 William Street, Melbourne, VIC, 3000 Phone: 03 9279 5000

This Financial Service Guide was prepared on 10/02/2016 and is authorised, by Swann Insurance (Aust) Pty Ltd, for distribution. Remuneration and other benefits We receive commission from our licensee. The commission is a percentage of the premium paid by you, less any taxes or government charges and is detailed in this FSG. Commission may also be paid when you renew or vary your insurance. If a policy has been financed, the finance provider may also receive a commission from the licensee which is at no extra cost to you. Where a third party has referred you to us, we may share with them a part of the commission we earn. Any commission we pay to a referrer is at no extra cost to you. We may also charge a fee for our services to you. Any such fee we charge is an additional cost to you and is detailed in this FSG. Later in this FSG it sets out more detailed information regarding our remuneration, including commission, from our licensee and associated business partners. If you require more detailed information on our fees or remuneration, please ask us. Our staff who provide the authorised financial services are paid a salary for their services and may also receive bonuses based on the volume of sales of all financial products over a period. Swann may provide other benefits, such as profit sharing arrangements, business related conferences, study trips or other UFSQ 037 V1.27 05-15

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functions. We (including our directors, staff and subcontractors) may also be eligible to qualify for other benefits such as awards or hospitality events. These are provided to us at no additional cost to you. General financial product advice Any financial product advice we may provide to you will be of a general nature only and has not taken your personal needs, objectives or financial situation into account. We therefore recommend that you carefully read the Product Disclosure Statement and Policy documentation provided by Swann and any other information before making your decision.

Complaints If you have a complaint or dispute about the financial services we provide, please contact us using the contact details above. We will attempt to resolve the issue and we will also refer it to Swann. If we or Swann are unable to resolve your complaint internally you may refer your dispute to the Financial Ombudsman Service which is an ASIC approved independent external dispute resolution service. This service is free of charge.

Products we are authorised to provide

Commission payable (% of premiums paid, net of tax and govt charges)

Motor Vehicle Insurance Up to 30% of NP Motor Cycle Insurance Up to 20% of NP Motor Cycle Insurance (Off-Road Rider) Up to 30% of NP Loan Protection Insurance Up to 20% of NP Gap Cover Insurance Up to 51% of NP Tyre & Rim Insurance Up to 50% of NP Motor Cycle Tyre and Rim Insurance Up to 42% of NP

Authorised financial services On behalf of Swann and in accordance with the terms of our agreement with them, we are authorised to do the following: – Arrange for the application for, acquisition, issue, variation or disposal of the financial products listed in this FSG. There is no binding authority which means that only the product issuer can agree to issue, vary or dispose of these products. – We are authorised to provide general financial product advice (but not personal financial product advice) in relation to the financial products listed in this FSG.

Other remuneration, commission and benefits In addition to the remuneration noted above, we may also receive additional commission or other benefits from Swann, for example: – A volume bonus based on the profit Swann earns from each product, – The volume of business we generate, – Achievement of agreed sales targets, – Market forces within the industry, – Other benefits from Swann underwritten products such as materials, services and/or payments to assist in the sale, marketing and promotion of Swann products, – Sales and product training for our staff to provide them with the necessary expertise to sell the products, – Point of sale marketing materials and financial contributions to cover the cost of advertising, printing and computer equipment, and – We may participate in sales incentive schemes, competitions or promotions from time to time or on an ongoing basis. These factors may vary from time to time and the volume bonus is earned and paid periodically. Our participation in these benefits is at no additional cost to you. In addition to their salary, we may share or pass on a proportion of the commission, volume bonus and sales incentives to our authorised sales staff. Such payments will not exceed the amounts paid to us by Swann.

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PART 3 DISTRIBUTOR DETAILS Distributor Disclosure About us and who we act for United Financial Services (QLD) Pty. Limited ABN 43 073 887 813 6/20 Rivergate Place Murrarrie QLD 4172 We are authorised to provide a service of dealing in certain financial products on behalf of: AAI Limited trading as Suncorp Insurance (the Insurer) ABN 48 005 297 807 AFSL No. 230859 Level 18, 36 Wickham Terrace, Brisbane QLD 4000 Phone: 13 11 55 How we are paid From the premium that you pay the Insurer, we will receive remuneration at the rates displayed in the table below. The rate is calculated based on the premium (exclusive of government charges) for each product. We will usually receive this amount at the end of the month following payment of the premium. Any remuneration we receive is not charged directly to you. Product

Commission rate %

Motor insurance issued by the Insurer

Up to 31.5%

From time to time we may also receive sponsorship and additional rewards from competitions and promotions. If you have a complaint Should you be dissatisfied with our service, please tell us. Alternatively you can contact the Insurer in any of the following ways: Phone: 1800 689 762 Fax: 1300 767 337 Email: customer.relations@suncorp.com.au Mail: Reply Paid 1453 Customer Relations Unit RE058 GPO Box 1453 Brisbane QLD 4001 If you are not satisfied with the Insurer’s final decision or if the Insurer has not been able to resolve the complaint to your satisfaction within 45 days you may be able to take the complaint to the Financial Ombudsman Service (“the FOS”). The FOS is an independent external dispute resolution scheme and its service is free to customers of the Insurer. We agree to accept a FOS decision however you have the right to take legal action if you do not accept their decision. The FOS will tell you if they can help you, as their services are not available to all customers. You can contact FOS: By phone: 1300 780 808 (for the cost of a local call) By Fax: (03) 9613 6399 By email: info@fos.org.au In writing: Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001 By visiting: www.fos.org.au

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

CREDIT GUIDE ABOUT THIS CREDIT GUIDE This Credit Guide is given by United Financial Services (Qld) Pty. Limited ABN 43 073 887 813 Australian credit licence 386930 (the “Licensee”, “we”, “us”, “our”, “UFSQ”) and is designed to assist you to decide whether to engage us to provide credit assistance in relation to credit contracts. As a licensed credit assistance provider, we are required to give you a Credit Guide as soon as practicable after it becomes apparent to us that we may provide assistance to you in relation to a credit contract. The guide includes information about us, our responsible lending obligations, the names of the credit providers with whom we conduct most of our business with, our fees, charges, and any commissions we may receive, and our dispute resolution process. OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:

suggesting that you apply for a particular credit contract with a particular credit provider; suggesting that you apply for an increase to the credit limit of a particular credit contract with a particular credit provider; or assisting you to do so, if the contract will be unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likely that:

· you will be unable to comply with your financial obligations under the contract, or could only comply with substantial hardship; or the contract will not meet your requirements or objectives.

· We must make a preliminary assessment whether the contract will be unsuitable for you before we can provide credit assistance to you. To help us to make this assessment we will:

· make inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit you are applying for; and · take reasonable steps to verify your financial information – for instance by asking for evidence of your income; and · use this information to determine whether the credit contract is unsuitable for you.

You can request a copy of our preliminary assessment. We must give you a copy (at no charge to you):

· within 15 business days, if your request is made within 2 years of our credit assistance quote; and · otherwise within 25 business days of your request.

We do not need to give you a copy of the preliminary assessment if we did not provide credit assistance to you or your request is made more than 7 years after we provided credit assistance to you. OUR FEES AND CHARGES Consumers will be liable to pay the following fees and charges to us for our credit assistance or matters associated with providing credit assistance: Name of Fee or

Explanation

Maximum Amount

Charge Origination Fee

551 v1.1 03/12

Represents licensees cost to provide credit assistance

$1000.00 including GST subject to the maximum origination fee allowable under the credit contract

1 of 3

Frequency of

Circumstances

Payment

when it is payable

Once Only

Only if you proceed with a credit contract

CREDIT PROVIDERS WITH WHOM WE CONDUCT BUSINESS We conduct business with more than six (6) credit providers when providing credit assistance in relation to credit contracts. The names of the six (6) credit providers with whom we conduct most of our business are noted below: Name

ABN

Australian Credit Licence Number

Australia And New Zealand Banking Group Limited (ANZ)

11 005 357 522

ACL

234527

Automotive Financial Services (AFS)

73 003 622 375

ACL

383762

Macquarie Leasing Pty Ltd (Macquarie Leasing)

38 002 674 982

ACL

394925

Secure Funding (Secure)

25 081 982 872

ACL

388133

St George Bank (St George)

33 007 457 141

ACL

233714

Yamaha Motor Finance Australia Pty. Ltd. (AMF)

29 101 928 670

ACL

394553

COMMISSIONS When you enter into a credit contract, we are likely to receive a commission, directly or indirectly, from the credit provider in relation to the credit contract for which we have provided credit assistance. We have also entered into a volume bonus arrangement with each of the credit providers with whom we conduct business, either directly or indirectly, and may receive additional commissions depending on the total volume of business that we arrange with each of the credit providers. The volume bonus arrangements are payable by the credit provider to us as the licensee. You may obtain additional information from us about the fees and charges payable by you, the commission likely to be received by us or the volume bonus arrangements in place, on request. This includes obtaining information about how fees and charges payable by you are worked out and a reasonable estimate of the commissions likely to be received by us and how the commission is worked out. PAYMENTS TO THIRD PARTIES A commission is likely to be paid to a third party for the introduction of credit business or business proposed to be financed by the credit contract or consumer lease if credit assistance is provided through one of the following classes of persons:

a Licensed Finance Broker; a Credit Representative of ours; or a Referrer (usually being the supplier of the goods).

You may obtain from us a reasonable estimate of the amount of commission and how it is worked out on request. HOW WE RESOLVE DISPUTES We welcome every opportunity to resolve any concerns you may have with our products or service. If you have a complaint, are not happy with our service or just want more information, you should tell us. By telling us, you give us the best possible opportunity of fixing things. In the first instance, contact our Customer Service Team by calling (07) 3908 0800. If you are not satisfied with their response you can request that their manager address your concern. INTERNAL DISPUTE RESOLUTION If your concern is still not resolved to your satisfaction please write to our Internal Dispute Resolution Committee at United Financial Services (Qld) Pty. Limited Po Box 7220 HEMMANT QLD 4174. Your concern will be reviewed by our IDR Committee, which has authority to deal with the matter. We will inform you of the outcome within 45 days or receiving your dispute or complaint. EXTERNAL DISPUTE RESOLUTION If your concern still remains unresolved to your satisfaction you can direct your issue for further review to the Credit and Investments Ombudsman Limited (CIO), an external review scheme to which we belong. External dispute resolution is a free service established to provide you with an independent mechanism to resolve your specific complaints. However, you must attempt to resolve your complaint with us before contacting our external dispute resolution scheme.

551 v1.1 03/12

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Credit and Investments Ombudsman Limited (CIO) Mail: Case Management Team C/- Credit and Investments Ombudsman Limited PO Box A252 SYDNEY SOUTH NSW 1235

Telephone: 1800 138 422 Fax: (02) 9273 8440 Email:

To lodge a dispute online go to www.cio.org.au

Further information regarding CIO including their Terms of Reference is available from their office or on their website. HOW TO CONTACT US United Financial Services (Qld) Pty. Limited ABN 43 073 887 813 Australian credit licence 386930 Phone: Fax: Writing: Emailing:

551 v1.1 03/12

(07) 3908 0800 (07) 3890 4150 United Financial Services (Qld) Pty. Limited Po Box 7220 HEMMANT QLD 4174 enquiries@ufsq.com.au

3 of 3

CREDIT GUIDE ABOUT THIS CREDIT GUIDE This Credit Guide is given by United Fortune Financial Pty Ltd ACN 613 538 828 Australian credit licence 503721 (the “Licensee”) and is designed to assist you to decide whether to engage us to provide credit assistance in relation to credit contracts. As a licensed credit assistance provider, we are required to give you a Credit Guide as soon as practicable after it becomes apparent to us that we may provide assistance to you in relation to a credit contract. The guide includes information about us, our responsible lending obligations, the names of the credit providers with whom we conduct most of our business with, our fees, charges, and any commissions we may receive, and our dispute resolution process. OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:

suggesting that you apply for a particular credit contract with a particular credit provider; suggesting that you apply for an increase to the credit limit of a particular credit contract with a particular credit provider; or assisting you to do so, if the contract will be unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likely that:

you will be unable to comply with your financial obligations under the contract, or could only comply with substantial hardship; or the contract will not meet your requirements or objectives.

We must make a preliminary assessment whether the contract will be unsuitable for you before we can provide credit assistance to you. To help us to make this assessment we will:

make inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit you are applying for; and take reasonable steps to verify your financial information – for instance by asking for evidence of your income; and use this information to determine whether the credit contract is unsuitable for you.

You can request a copy of our preliminary assessment. We must give you a copy (at no charge to you):

within 15 business days, if your request is made within 2 years of our credit assistance quote; and otherwise within 25 business days of your request.

We do not need to give you a copy of the preliminary assessment if we did not provide credit assistance to you or your request is made more than 7 years after we provided credit assistance to you. OUR FEES AND CHARGES Consumers will be liable to pay the following fees and charges for our credit assistance or matters associated with providing credit assistance: Name of Fee or

Explanation

Maximum Amount

Charge Origination Fee

556 v1.1 03/12

Represents the fee payable to provide credit assistance to you

$1000.00 including GST subject to the maximum origination fee allowable under the credit contract

1 of 3

Frequency of

Circumstances

Payment

when it is payable

Once Only

Only if you proceed with a credit contract

CREDIT PROVIDERS WITH WHOM WE CONDUCT BUSINESS We conduct business with more than six (6) credit providers when providing credit assistance in relation to credit contracts. The names of the six (6) credit providers with whom we conduct most of our business are noted below: Name

ABN

Australian Credit Licence Number

Australia And New Zealand Banking Group Limited (ANZ)

11 005 357 522

ACL

234527

Automotive Financial Services (AFS)

73 003 622 375

ACL

383762

Macquarie Leasing Pty Ltd (Macquarie Leasing)

38 002 674 982

ACL

394925

Secure Funding (Secure)

25 081 982 872

ACL

388133

St George Bank (St George)

33 007 457 141

ACL

233714

Yamaha Motor Finance Australia Pty. Ltd. (AMF)

29 101 928 670

ACL

394553

COMMISSIONS When you enter into a credit contract, we are likely to receive a commission, directly or indirectly, from the credit provider in relation to the credit contract for which we have provided credit assistance. You may obtain additional information from us about the fees and charges payable by you, the commission likely to be received by us or the volume bonus arrangements in place, on request. This includes obtaining information about how fees and charges payable by you are worked out and a reasonable estimate of the commissions likely to be received by us and how the commission is worked out. PAYMENTS TO THIRD PARTIES A commission is likely to be paid to a third party for the introduction of credit business or business proposed to be financed by the credit contract or consumer lease if credit assistance is provided through one of the following classes of persons:

a Licensed Finance Broker; a Credit Representative of ours; or a Referrer (usually being the supplier of the goods).

You may obtain from us a reasonable estimate of the amount of commission and how it is worked out on request. HOW WE RESOLVE DISPUTES We welcome every opportunity to resolve any concerns you may have with our products or service. If you have a complaint, are not happy with our service or just want more information, you should tell us. By telling us, you give us the best possible opportunity of fixing things. In the first instance, contact our Customer Service Team by calling . If you are not satisfied with their response you can request that their manager address your concern. INTERNAL DISPUTE RESOLUTION If your concern is still not resolved to your satisfaction please write to our Internal Dispute Resolution Committee at United Fortune Financial Pty Ltd. Your concern will be reviewed by our IDR Committee, which has authority to deal with the matter. We will inform you of the outcome within 45 days or receiving your dispute or complaint. EXTERNAL DISPUTE RESOLUTION If your concern still remains unresolved to your satisfaction you can direct your issue for further review to the Credit and Investments Ombudsman Limited (CIO), an external review scheme to which we belong. External dispute resolution is a free service established to provide you with an independent mechanism to resolve your specific complaints. However, you must attempt to resolve your complaint with us before contacting our external dispute resolution scheme.

556 v1.1 03/12

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Credit and Investments Ombudsman Limited (CIO) Mail: Case Management Team C/- Credit and Investments Ombudsman Limited PO Box A252 SYDNEY SOUTH NSW 1235

Telephone: 1800 138 422 Fax: (02) 9273 8440 Email:

To lodge a dispute online go to www.cio.org.au

Further information regarding CIO including their Terms of Reference is available from their office or on their website. HOW TO CONTACT US
United Fortune Financial Pty Ltd
ACN 613 538 828 Australian credit licence 503721
United Fortune Financial Pty Ltd

kenny@uffinance.com.au

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