To bring you these great products, Trustar Mortgage Pty Limited has an accredited mortgage originator of Challenger Mortgage Management Pty Limited (“CMM”) and Perpetual Trustees Victoria Limited (“PTVL”). CMM and PTVL is the credit provider and will issue your home loan under an agreement with Trustar Mortgage Pty Limited. By applying, you agree and consent to the words written below. on this page:

“Lender” means Challenger Mortgage Management Pty Limited ACN 087 271 109 and Perpetual Trustees Victoria Limited ACN 004 027 258 .

Applicants: You acknowledge that you have made an application for credit from the Lender and Trustar Mortgage Pty Limited.

Guarantors (if applicable): You acknowledge that you have offered to support the Applicant’s application for credit. By checking the box “Privacy Acknowledgment” on the application form, the Applicant and, if applicable, the Guarantor (collectively, “you”) agree that Trustar Mortgage Pty Limited and the Lender (and any other financier who at any time provides or has any interest in the credit) can do any of the following, at any time:

1 Commercial credit information. Obtain and use commercial credit information about you to assess an application for consumer or commercial credit.

2 Consumer information. Obtain and use consumer credit information about you to assess an application for commercial or consumer credit.

3 Collect overdue payments. Obtain and use a credit report about you provided by a credit reporting agency to collect overdue payments from you.

4. Provide information to a mortgage insurer. To assess the following: the risk of providing mortgage insurance the risk of default, as well as any variation or claim under the mortgage insurance any other risk, including risk assessment and management

involving securitisation, credit scoring, portfolio analysis, reporting, fraud prevention and claim recovery and complying with legislative and regulatory requirements For these purposes, the mortgage insurer may disclose personal information about you to its related companies, the Lender, Trustar Mortgage Pty Limited, service providers, agents, contractors and external advisers, your referees including your employer, your legal and financial advisers, credit reporting agencies, rating agencies, payment system operators, reinsurer and government and regulatory bodies, other financial institutions, securitisers and credit providers.

5. Exchange between credit providers (including any other credit provider who has lent money on the same security). Obtain and use any information about your credit worthiness, credit standing, credit history or credit capacity. In particular, the Lender or Trustar Mortgage Pty Limited may provide a reference on you.

6. Exchange information with advisers. Obtain, use and/or give to any broker, financial consultant, accountant, lawyer, or other adviser acting in connection with any financing provided or proposed to be provided to you any consumer or commercial credit information.

7. Provide information to credit reporting agencies. Provide the following personal or commercial information to a credit reporting agency: details of your identification, the fact that credit has been applied for and the amount, the fact that the Lender is a current credit provider to you, details of payments which become overdue for more than 60 days and for which collection activity has commenced, advice that payments are no longer overdue, details of cheques drawn by you which have been dishonored more than once in specific circumstances, that in the Lender’s opinion you have committed a serious credit infringement. that the credit provided to you by the Lender has been paid or otherwise discharged

8. Provide information for securitisation. By way of providing any report or personal information about you to a person in connection with funding financial accommodation by means of an arrangement involving securitisation.

9. Provide information to guarantors. Provide information to any person who proposes to guarantee or has guaranteed repayment of any credit provided to you.

10. Provide information to another credit provider. Provide your information to another credit provider who may be able to approve your application for credit, and who may contact you in regard to your application, should this application not be approved by the Lender.

You also understand that Trustar Mortgage Pty Limited may be paid and retain fees, margins and commission from the arranged credit through its role as Mortgage Originator and Mortgage Manager.

Contact details for Mortgage Insurers:

Genworh Financial Mortgage Insurance Pty Ltd ABN 60 106 974 305,

Level 23, 259 George Street,

Sydney NSW 2001 Tel: 02 8248 2500.

PMI Mortgage Insurance Ltd ABN 70 000 511 071

Level 23, 50 Bridge Street, Sydney NSW 2000 Tel: 02 9231 7777.

By completing this application you understand that you have provided or will be providing personal information that is subject to the Privacy Act.

We collect your personal information to:

assess your application and provide this product and related services to you, monitor, audit, evaluate and otherwise manage this product and related services, offer products of a similar type which we expect may be of interest to you, administer and market the rewards program You agree that Trustar Mortgage Pty Limited and the Lender may share your personal information with other Trustar Mortgage Pty Limited related companies and other companies involved in the rewards scheme, some of which may be located outside Australia. You agree that each of these companies can also share your personal information with third parties who work for them in order to manage your account or your relationship with them including (but not

limited to) mail houses, IT consultants, mortgage insurers, card and PIN producers, loan statement producers and rating agencies.

You agree that Trustar Mortgage Pty Limited and other Trustar Mortgage Pty Limited related companies may also use your information to let you know about other exciting things. If you don’t want them to do this, you can let us know by calling 02 9282 9299.

You understand that if you don’t give the information requested on the credit application form or if you don’t agree to the terms of this Privacy Act, General Consent and Collection Statement, your application may be declined. Specifically, we are required to collect the information in the form entitled “Identification Record for Signatory to an Account – Reference from an Acceptable Referee” by the Financial Transaction Reports Act 1988. If

you fail to provide this information you may not be able to make withdrawals from your loan account. Attention is drawn to the fact that if any false information or statements have been made in this application, the applicants may be subject to:

i) a penalty of imprisonment and/or fine;

ii) requirement to pay the full loan amount immediately on demand