LOAN APPLICATION FORM

I/we wish to apply for:  Personal Loan  Car Loan  Mortgage  Overdraft (New/Increase)

Loan Amount: $ Mortgage Insurance Fee to be Capitalised? Yes No

(Applicable for loans above 80%)

Loan Term Sought (Max 30yrs): Interest Only Term Sought (Max 5yrs):

Purpose: Owner Occupied Purchase Debt Consolidation Home Improvements

Investment  Refinance Other

Details if Car Loan: Make/Model Year Price $ Trade-In $

Net wage after tax, super

and other deductions $ Frequency (W, F, M) Net wage after tax, super and other deductions $ Frequency (W, F, M) Other Net

Income (specify) $

Frequency (W, F, M) Other Net

Income (specify) $

Frequency (W, F, M)

Rental Income Weekly $ Rental Income Weekly $

Are you a borrower or guarantor to the loan? Borrower Guarantor Are you a borrower or guarantor to the loan? Borrower Guarantor

Title Surname Other Names Title Surname Other Names

D.O.B Ages of Dependants Marital Status D.O.B Ages of Dependants Marital Status

Home Phone Work Phone Home Phone Work Phone

Mobile Mobile

Email Email

Driver’s Licence No. State Expiry Date Driver’s Licence No. State Expiry Date

Present Address Present Address

Home Owner Buying

Renting Boarding Length of Residence at this Address Yrs Mths Home Owner Renting Buying Boarding Length of Residence at this Address Yrs Mths

Previous Address Previous Address

Home Owner Buying

Renting Boarding

Length of Residence at this Address

Yrs Mths Home Owner Renting Buying Boarding

Length of Residence at this Address Yrs Mths

Employer Name & Address Employer Name & Address

Payroll Contact Number Payroll Contact Number

Occupation Length of Service

Yrs Mths Occupation Length of Service Yrs Mths Part-Time Full-Time Casual Self Employed Contract

The Credit Union requires minimum of two years employment details

Part-Time Full-Time Casual Self Employed Contract The Credit Union requires minimum of two years employment details

Previous Employer Previous Employer

Occupation Length of Service

Yrs Mths Occupation Length of Service Yrs Mths Australian Resident? Yes No Australian Citizen? Yes No Australian Resident? Yes No Australian Citizen? Yes No

LOAN DETAILS

INCOME

PERSONAL DETAILS

APPLICANT 1

APPLICANT 2

BANKSTOWN CITY CREDIT UNION LIMITED

Item

Details

Value

Owner

Savings $  App 1  App 2

Property Sale Proceeds $  App 1  App 2

Asset Sale Proceeds $  App 1  App 2

Gift Funds $  App 1  App 2

Deposit Paid $  App 1  App 2

Owned Property 1 $  App 1  App 2

Owned Property 2 $  App 1  App 2

Owned Property 3 $  App 1  App 2

Owned Property 4 $  App 1  App 2

Owned Property 5 $  App 1  App 2

Motor Vehicle 1 $  App 1  App 2

Motor Vehicle 2 $  App 1  App 2

Home Contents $  App 1  App 2

Super/Life Policies $  App 1  App 2

Shares/Investments $  App 1  App 2

LIABILITY – What you owe

Item

Details

Monthly

Repayments

Debt To Be

Repaid

Balance Owing

Borrower

Rent  Yes $  App 1  App 2

Home Loan 1  Yes $  App 1  App 2

Home Loan 2  Yes $  App 1  App 2

Home Loan 3  Yes $  App 1  App 2

Home Loan 4  Yes $  App 1  App 2

Home Loan 5  Yes $  App 1  App 2

Other Loans  Yes $  App 1  App 2

Other Debts  Yes $  App 1  App 2

Credit Card 1 Card Limit  Yes $  App 1  App 2

Credit Card 2 Card Limit  Yes $  App 1  App 2

Credit Card 3 Card Limit  Yes $  App 1  App 2

Store Cards Card Limit  Yes $  App 1  App 2

$

$

Total Assets

LOAN APPLICATION FORM

OTHER INFORMATION

SECURITY DETAILS

SECURITY DETAILS 01

Address State Postcode

Type of Property  House  Unit  Land Year Built No. of Bedrooms Living Area (m²) Land (m²) No. of Living Rooms No. of Bathrooms Construction Type  Brick  Brick Veneer  Other Lot and D.P No. Car Accommodation

 Single Garage  Double Garage  Other

Other Features

 Ducted Air Conditioning  Inground Pool Other Details Including Size, Date and Cost (e.g. Renovations, granny flats, guest house, pergola, etc.)

Property Value $  Purchase Price  Est. Market Value

Land Value $ Construction Price $ Contact Name of Vendor or Real Estate Agent for Valuer Access Phone Number

Mortgagee Name Full Name(s) to appear on title after settlement Page 3 of 5

SECURITY DETAILS 02

Address State Postcode

Type of Property  House  Unit  Land Year Built No. of Bedrooms Living Area (m²) Land (m²) No. of Living Rooms No. of Bathrooms Construction Type  Brick  Brick Veneer  Other Lot and D.P No. Car Accommodation

 Single Garage  Double Garage  Other Other Features  Ducted Air Conditioning  Inground Pool Other Details Including Size, Date and Cost (e.g. Renovations, granny flats, guest house, pergola, etc.

Property Value $  Purchase Price

 Est. Market Value Land Value $ Construction Price $ Contact Name of Vendor or Real Estate Agent for Valuer Access Phone Number

Mortgagee Name Full Name(s) to appear on title after settlement

www.bccu.com.au

BANKSTOWN CITY CREDIT UNION LIMITED

ABN 40 087 649 769 AFSL 238355

64 KITCHENER PDE, BANKSTOWN T: 02 9797 6000 F:02 9707 6038

LOAN APPLICATION FORM

OTHER INFORMATION

SECURITY DETAILS

SOLICITOR/CONVEYANCER

Company Name Contact Name

Company Mailing Address State Postcode

Phone Number Fax Number

AUTHORITY TO FORWARD LOAN DOCUMENTATION

I authorise Bankstown City Credit Union to forward all loan documentation including original and copies of my Loan Agreements and mortgage documentation (if applicable) to the party nominated.

If not selected, documentation will be issued to the borrowers.

 Solicitor (detailed above)  Broker (detailed below)  Other (detailed below)

Company Name Contact Name

Contact Address State Postcode

BUILDER

Builder Name Licence Number

Builder Address State Postcode

Phone Number Fax Number

NEAREST RELATIVE

Name Phone Number

Address State Postcode

Name Phone Number

Address State Postcode

ACCOUNTANT DETAILS

Company Name Contact Number

Phone Number Fax Number

Address State Postcode

Type of Property  House  Unit  Land Year Built No. of Bedrooms Living Area (m²) Land (m²) No. of Living Rooms No. of Bathrooms Construction Type  Brick  Brick Veneer  Other Lot and D.P No. Car Accommodation

 Single Garage  Double Garage  Other

Other Features

 Ducted Air Conditioning  Inground Pool Other Details Including Size, Date and Cost (e.g. renovations, granny flats, guest house, pergola, etc.)

Property Value $  Purchase Price  Est. Market Value

Land Value $ Construction Price $ Contact Name of Vendor or Real Estate Agent for Valuer Access Phone Number

Type of Title  RPA/Torrens  Strata Title  Company Title  Community Title  Other

Mortgagee Name Full Name(s) to appear on title after settlement Page 3 of 6

OTHER INFORMATION

SECURITY DETAILS

SOLICITOR/CONVEYANCER

Company Name Contact Name

Company Mailing Address State Postcode

Phone Number Fax Number

AUTHORITY TO FORWARD LOAN DOCUMENTATION

I authorise Bankstown City Credit Union to forward all loan documentation including original and copies of my Loan Agreements and mortgage documentation (if applicable) to the party nominated.

If not selected, documentation will be issued to the borrowers.

 Solicitor (detailed above)  Broker (detailed below)  Other (detailed below)

Company Name Contact Name

Contact Address State Postcode

BUILDER

Builder Name Licence Number

Builder Address State Postcode

Phone Number Fax Number

NEAREST RELATIVE

Name Phone Number

Address State Postcode

Name Phone Number

Address State Postcode

ACCOUNTANT DETAILS

Company Name Contact Number

Phone Number Fax Number

Address State Postcode

Type of Property  House  Unit  Land Year Built No. of Bedrooms Living Area (m²) Land (m²) No. of Living Rooms No. of Bathrooms Construction Type  Brick  Brick Veneer  Other Lot and D.P No. Car Accommodation

 Single Garage  Double Garage  Other Other Features  Ducted Air Conditioning  Inground Pool Other Details Including Size, Date and Cost (e.g. renovations, granny flats, guest house, pergola, etc.)

Property Value $  Purchase Price

 Est. Market Value Land Value $ Construction Price $ Contact Name of Vendor or Real Estate Agent for Valuer Access Phone Number

Type of Title  RPA/Torrens  Strata Title  Company Title  Community Title  Other

Mortgagee Name Full Name(s) to appear on title after settlement

LOAN APPLICATION FORM

OTHER INFORMATION

SECURITY DETAILS

SOLICITOR/CONVEYANCER

Company Name Contact Name

Company Mailing Address State Postcode

Phone Number Fax Number

AUTHORITY TO FORWARD LOAN DOCUMENTATION

I authorise Bankstown City Credit Union to forward all loan documentation including original and copies of my Loan Agreements and mortgage documentation (if applicable) to the party nominated.

If not selected, documentation will be issued to the borrowers.

 Solicitor (detailed above)  Broker (detailed below)  Other (detailed below)

Company Name Contact Name

Contact Address State Postcode

BUILDER

Builder Name Licence Number

Builder Address State Postcode

Phone Number Fax Number

NEAREST RELATIVE

Name Phone Number

Address State Postcode

Name Phone Number

Address State Postcode

ACCOUNTANT DETAILS

Company Name Contact Number

Phone Number Fax Number

Address State Postcode

Type of Property  House  Unit  Land Year Built No. of Bedrooms Living Area (m²) Land (m²) No. of Living Rooms No. of Bathrooms Construction Type  Brick  Brick Veneer  Other Lot and D.P No. Car Accommodation

 Single Garage  Double Garage  Other Other Features  Ducted Air Conditioning  Inground Pool Other Details Including Size, Date and Cost (e.g. renovations, granny flats, guest house, pergola, etc.)

Property Value $  Purchase Price

 Est. Market Value Land Value $ Construction Price $ Contact Name of Vendor or Real Estate Agent for Valuer Access Phone Number

Type of Title  RPA/Torrens  Strata Title  Company Title  Community Title  Other

Mortgagee Name Full Name(s) to appear on title after settlement Page 3 of 6

State

www.bccu.com.au

NOMINATE A PERSON TO RECEIVE IMPORTANT INFORMATION

Each borrower is entitled to receive a copy of notices and other documents under the National Credit Code. By signing this nomination you are giving up the right to be provided with this information direct from us. You may cancel this nomination at any time by advising us in writing.

I nominate to receive any notices, and other documents under the National Credit Code on behalf of me for the following facility:  Standard Loan  Credit Card (for portfolio loans, please complete a loan nomination form)

Borrower 1 – sign here Borrower 2 – sign here

Full Name Full Name

Date Date

BUSINESS PURPOSE DECLARATION

I/We declare that the credit to be provided to me/us by Bankstown City Credit Union is to be applied wholly or predominately for business purposes or for investment purposes other than investment in residential property.

Borrower 1 – sign here Borrower 2 – sign here

Full Name Full Name

Date Date

You should only sign this declaration if this loan is wholly or predominately for: business purposes or investment purposes other than investment in residential property. By signing

Name (Please Print)

Date

Name (Please Print)

Date

BANKSTOWN CITY CREDIT UNION LIMITED

ABN 40 087 649 769 AFSL 238355 64 KITCHENER PDE, BANKSTOWN T: 02 9797 6000 F:02 9707 6038

PRIVACY STATEMENT & DECLARATION

Privacy Act 1988

In compliance with the Privacy Act 1988 and the Privacy Amendment Act (Enhancing Privacy Protections) 2012

1. Collection of your personal and credit information

Wherever possible, we will collect personal information (including credit information) directly from you. This information will generally come from what you provide in your application for one of our products or services and supporting documentation. We only ask for personal information relevant to our business relationship with a customer. When you apply for one of our products or services, we may request: • identifying information, like your name, address and other contact details and your date of birth;

• information about your financial position, like your income, expenses, savings and assets and any (other) credit arrangements;

• your employment details; • your tax file number; and

• your reasons for applying for a product or service.

We may also collect personal information (including credit-related information) about you from third parties, such as any referees that you provide, your employer, other credit providers and third party service providers including Credit Reporting Bodies (CRBs). Credit information includes:

• information about an individual's current or terminated consumer credit accounts and, from 12 March 2014, an individual's repayment history;

• the type and amount of credit applied for in any previous consumer or commercial credit applications to any credit provider, where that credit provider has requested information;

• information about consumer credit payments overdue for at least 60 days and for which collection action has started;

• advice that payments that were previously notified to a credit reporting body as overdue are no longer overdue;

• information about new credit arrangements an individual may have made with a credit provider, in relation to consumer credit currently or previously held, to deal with any defaults or serious credit infringements by that individual;

• information about court judgments which relate to credit that an individual has obtained or applied for;

• information about an individual on the National Personal Insolvency Index; • publicly available information about an individual's credit worthiness; and • an opinion of a credit provider that an individual has committed a serious credit infringement of credit provided by that credit provider.

2. Use and disclosure of personal and credit information

We may use your personal information (including credit-related information) for the purpose of providing products and services to you and managing our business. This may include:

• assessing and processing your application for the products and services we offer; • establishing and providing our systems and processes to provide our products and services to you;

• executing your instructions; • charging and billing;

• uses required or authorised by law;

• maintaining and developing our business systems and infrastructure; • research and development;

• collecting overdue payments due under our credit products;

• managing our rights and obligations regarding external payment systems; or • direct marketing.

In general, we do not use or disclose your personal information (including credit-related information) for a purpose other than:

• a purpose set out in our Privacy Policy; • a purpose you would reasonably expect; • a purpose required or permitted by law, or

• a purpose otherwise disclosed to you to which you have consented.

We may disclose your personal information (including credit-related information) to other organisations, for example:

• our related companies;

• external organisations that are our assignees, agents or contractors; external service providers to us, such as organisations which we use to verify your identity, payment systems operators, mailing houses and research consultants;

• insurers and re-insurers, where insurance is provided in connection with our services to you;

• superannuation funds, where superannuation services are provided to you; • other financial institutions, for example, when you apply for a loan from another credit provider and you agree to us providing information;

• credit reporting bodies, including disclosing that you are in default under a credit agreement or commit a serious credit infringement, if that is the case or your repayment history information;

• lenders' mortgage insurers, where relevant to credit we have provided; • debt collecting agencies, if you have not repaid a loan as required; • our professional advisors, such as accountants, lawyers and auditors;

• state or territory authorities that give assistance to facilitate the provision of home loans to individuals;

• certain entities that have bought or otherwise obtained an interest in your credit product, or that are considering doing so, and their professional advisors; • your representative, for example, lawyer, mortgage broker, financial advisor or attorney, as authorised by you; or

• if required or authorised by law, to government and regulatory authorities. We will take reasonable steps to ensure that these organisations are bound by sufficient confidentiality and privacy obligations with respect to the protection of your personal information.

We will not disclose your personal information overseas, including your credit information and credit eligibility information.

3. Access to your personal and credit information

You may request access to the personal information (including credit-related information) that we hold about you at any time from our Privacy Officer.

We will respond to your request for access within a reasonable time. If we refuse to give you access to any of your personal information, we will provide you with reasons for the refusal and the relevant provisions of the Privacy Act that we rely on to refuse access. You can contact our Privacy Officer if you would like to challenge our decision to refuse access.

We may recover the reasonable costs of our response to a request for access to personal information.

4. Privacy Policy

For further information about your privacy rights, including matters of correcting information, questions or complaints you may have, please refer to our Privacy and Credit Reporting Policy located on our website.

Customer Acknowledgment

I acknowledge that I have read and understood this Privacy Statement. I authorise BCCU to collect, use and disclose my personal and credit information in accordance with this Privacy Statement and BCCU’s Privacy Policy.