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CREDIT GUIDE

Credit Guide

Credit Connect Finance Credit Provider’s Credit Guide

Introduction

As an intending borrower, we provide you with the following Credit Guide, which must be provided to
you in writing, in accordance with Section 126 of the National Consumer Credit Protection Act 2009.

Licensee

Credit Guide date of issue: 3 August 2017
Licensee’s name (being a Credit Provider): Credit Connect Finance Pty Ltd (CCF)
ACN: 113 576 891
Licensee’s registered office: c/- Byrne & Miller, 2/Eighth Avenue, Palm Beach QLD 4220
Telephone: +61 7 5593 1300
Postal address: PO BOX 3574, Robina Town Centre, QLD, 4230
Australian Credit Licence Number: 396190

Internal Dispute Resolution (IDR) Procedure

Should you have a complaint or concern in regard to your credit contract, including any unforeseen
financial difficulty, in the first instance, please contact CCF’s IDR Manager. The Manager will be pleased
to assist in resolving your complaint or concern. There is no charge for this service.

IDR Manager: Simon Tickner
Phone: +61 7 5593 1300, Email: resolution@ccg.com.au

External Dispute Resolution (EDR) Procedure

Following contact with the IDR Manager, if you are not satisfied with the outcome of the attention given
to your complaint or concern, you may contact the Credit and Investments Ombudsman Ltd (CIO) with
detail of your complaint or concern. There is no charge for this service.

EDR Ombudsman: CIO – Telephone: 1800 138 422, Fax +61 2 9273 8440
Email: info@cio.org.au, Website: www.cio.org.au
Postal address: Credit and Investments Ombudsman Ltd, PO Box A252, South Sydney, NSW 1235

Suitability of the Loan

We are required to assess the suitability of the loan you have requested, under Sections 128, 129 and
133 of the National Consumer Credit Protection Act 2009. These Sections are concerned with whether
or not the loan you seek is “unsuitable”.

Under Section 131, we are obliged to advise you that we will not participate in the arrangement of a loan
for you, if that loan would be unsuitable and under Sections 128 and 133, we are obliged to refuse an
increase in your credit limit if that would also be deemed unsuitable.

Suitability or unsuitability is assessed in accordance with the following criteria:

1. Whether or not you will be able to comply with the financial obligations under the contract, without
substantial hardship, if at all.
2. Whether or not the contract will meet your requirements and objectives.
3. Whether or not the contract meets requirements imposed by regulation, from time to time.
4. It involves us, as a Credit Provider, making enquiry about your financial circumstances.
5. According to whether or not we believe the information to be true.

In accordance with Section 132, if you are successful with your application and enter into a credit contract with us because the loan is not deemed unsuitable, you may request a copy of that assessment any time during the following 7 years. This will be provided at no charge to you.

If your copy is requested within 2 years, we will provide it within 7 days. If your request is received after
the second year, we may take up to 21 days to provide you with a copy.

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