COVER PAGE. Contract Number: Customer Name:

Transcription

1 BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax COVER PAGE Contract Number: Customer Included in this pack of documents is the Loan Schedule, the Terms and Conditions and Information Statement, "Things you should know about your proposed credit contract". These documents together provide the information that you as the borrower are required to receive prior to entering into a credit contract with us. Also, in order to complete the finance process we will be asking for supporting documentation of the information that has been provided to us from you. We in turn shall be providing you documentation for you to keep. We will require the following from you: 1) 2) 3) 4) 5) 6) signed copy of the Privacy tification and Consent; signed copy of the Insurance mination form (if relevant); signed copies of the Loan Schedule; the completed Direct Debit Request form; sufficient documentation to prove your identity (i.e. driver's licence/passport etc.); and sufficient documentation to prove your income and financial situation. The following documents are for you to keep: 1) 2) 3) 4) the Credit Guide; a copy of the Consumer Loan Agreement consisting of the Loan Schedule and the Terms and Conditions; Information Statement; and Direct Debit Request Service Agreement. These documents are for your reference and form the basis of our relationship. They should therefore be read carefully. HMFS Cover Page CLKC1CV1 August 14 Page 1 of 1

2 CONSUMER LOAN AGREEMENT Loan Schedule BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax Contract Number: Acceptance Date: Borrower 1 Information Address: Borrower 2 Information Address: BOQ Credit Pty Limited ABN , trading as Honda MPE Financial Services ("HMFS", "we", "us"), can provide a loan to you, the Borrower named above, subject to you making us an offer to borrow money from us and you satisfying our credit assessment criteria. By signing this Loan Schedule and submitting all the required documents to us, you will be asking us to lend you money and offering to borrow money from us under the terms and conditions of this Consumer Loan Agreement, which is made up of this Consumer Loan Agreement Loan Schedule ( Loan Schedule ) and the Consumer Loan Agreement Terms and Conditions ( Terms and Conditions ). Together these documents will form the contract between us (Contract) if we approve your application and accept your offer. This Loan Schedule does not contain all of the information we are required to give you before we enter into the Contract. The rest of that information is contained in the Consumer Loan Agreement Terms and Conditions. Please read both documents carefully. Financial Table 1. Amount of Credit 2. Annual Percentage Rate The Annual Percentage Rate that applies to your loan is a fixed rate of: NaN% p.a. 3. Total amount of interest charges payable 4. Repayments Your loan is to be repaid over a period of months ("Repayment Period") by monthly payments of. The first repayment is due one month after the Acceptance Date and later repayments are due on the same date in each subsequent month. 5. Total amount of repayments Page 1 of 7

3 6. Credit Fees and Charges Credit fees and charges payable by you on or before the date we lend to you Security Registration Fee, payable when we advance the loan to you Establishment fee, payable when we accept your offer to lend to you and establish your loan account Stamp duty, payable when we advance the loan to you Total amount of credit fees and charges payable under this Contract, to the extent ascertainable Credit fees and charges that are payable by you after we lend to you Maintenance fee, payable each month at the same time a repayment is due $7.50 Credit fees and charges that may be payable by you after we lend to you Late Payment fee, payable when you make a payment after it is due Payment dishonour fee, payable each time your direct debit is dishonoured Registration fee, payable if we need to renew the registration Security discharge fee, payable when we release our security over one or more of the secured goods $25.00 $0.00 Early termination fee, payable if, for any reason, including as a result of your default under clause 11.1 of the Terms and Conditions, this contract terminates during the Repayment Period. The early termination fee will be equal to the following amounts: 2 monthly repayments, if termination occurs before half of all your repayments under this contract have been made; 1.5 monthly repayments, if the termination occurs after half, but before three quarters, of your repayments under this contract have been made; or 1 monthly repayment, if termination occurs after three quarters of your repayments under this contract have been made, provided more than three repayments remain. early termination fee is charged if termination occurs within the last 3 months of the Repayment Period We may, without your consent, vary your repayments or the above credit fees and charges (except for the early termination fee) and their time for payment. We may also, without your consent, add new credit fees and charges. Shoud a change occur, we will give you at least 20 days' written notice of the change. 7. Credit-Related Insurance (i.e. Consumer Credit Insurance and/or Mortgaged Property Insurance) If no details are provided below, credit-related insurance is not financed by this Contract. Consumer Credit Insurance Insurer: t applicable Premium: Term: Months Commission payable by insurer for introduction of the insurance business: Amount payable to insurer (or, if not ascertainable, method of calculation): Mortgaged Property Insurance Insurer: t applicable Premium: Term: Months Commission payable by insurer for introduction of the insurance business: Amount payable to insurer (or, if not ascertainable, method of calculation): Page 2 of 7

4 8. Commission Details If a name appears below, we will pay commission to that person or entity for the introduction of credit business or business financed bt this Contract, but the amount is not ascertainable unless stated. Paid to: Unascertainable If a name appears below, we will receive a commission from that person or entity for the introduction of credit business or business financed by this Contract. Unless otherwise indicated, the amount of any such commission is not ascertainable. Paid by: 9. Security for the Loan A security interest is to be/has been given to secure your obligations under this Contract over the Goods described below ("the Goods"). Goods 1 Type: Year: State of Reg'n: Chassis./ VIN/HIN: Goods 2 Type: Year: State of Reg'n: Chassis./ VIN/HIN: Goods 3 Type: Year: State of Reg'n: Chassis./ VIN/HIN: Goods 4 Type: Year: State of Reg'n: Chassis./ Manufacturer: Rego : Eng : (if there are no details below, no other security has been taken) Manufacturer: Rego : Eng : (if there are no details below, no other security has been taken) Manufacturer: Rego : Eng : (if there are no details below, no other security has been taken) Manufacturer: Rego : Eng : Model: Colour: New/Used: Price: Serial : Model: Colour: New/Used: Price: Serial : Model: Colour: New/Used: Price: Serial : Model: Colour: New/Used: Price: Serial : 10. Disbursements: We will pay your loan to - Payment for Goods being purchased Dealer Origination Fee Mortgaged Property Insurance (MPI) t applicable Consumer Credit Insurance (CCI) t applicable Gap (Asset Equity) Insurance t applicable Extended Warranty t applicable Fire and Theft Insurance Motorcycle Tyre and Rim Insurance [Other disbursements] t applicable t applicable t applicable Page 3 of 7

5 11. Guarantor If no details are provided below, no guarantee is required. A guarantee is to be/has been given by of to secure your obligations under this Contract. All information in this Loan Schedule is correct as at: Page 4 of 7

6 Credit from HMFS If you wish to proceed and make an application to us for credit, then you must: (a) sign and date two copies of this Loan Schedule and return one copy of this Loan Schedule; (b) complete and return the signed copy of the Privacy tification and Consent; (c) complete and return the signed copy of the Insurance mination form (if relevant); (d) complete and return the Direct Debit Request form; (e) provide us with a copy of your Australian driver's licence; and (f) provide us with a copy of your last bank statement, and deliver to us at: GPO Box 4268 Sydney NSW 2001 Or By delivering all the documents to your authorised dealer by no later than 5.00pm on If you do not, then we will not proceed with your credit application. We will assess your application under our credit assessment criteria. If we approve your application we will accept your offer and enter into the Contract with you in accordance with the provisions of the Contract. Signed for and on behalf of BOQ Credit Pty Limited by its authorised signatory: Greg Stonier General Manager Honda MPE Financial Services Your Application for Credit By signing this document you: Make an application for credit based on the terms set out in this Loan Schedule and the Terms and Conditions; Confirm this application constitutes your offer to borrow the Amount of Credit from us on the terms and conditions set out in the Loan Schedule and the Terms and Conditions; Acknowledge that HMFS is not bound by your offer and will only enter into the Contract after we have approved your application and accepted your offer; Declare that all the information you have given us is accurate and not misleading and that you are aware that we are relying on it; Page 5 of 7

7 Acknowledge that before signing this document you received and read a copy of: (a) the Loan Schedule; (b) the Terms and Conditions; (c) the Information Statement Things you should know about your proposed credit contract ; (d) the Credit Guide; and (e) the Direct Debit Request Service Agreement; Acknowledge that you fully understand the nature and effect of the contract and the obligations of entering into it; Acknowledge that you were given the opportunity to seek independent legal advice and that we recommended that you obtain such advice; Declare that you do not sign this application as trustee, unless you have told us in writing; Consent to us giving to each guarantor or prospective guarantor named under "Security for the Loan": (a) A copy of this document or any security (whether signed or unsigned); (b) A copy of any notice to or from us; (c) A copy of your account or other account statements; (d) A copy of any final letter of offer; (e) Any current related credit insurance contract; and (f) Any other information the prospective guarantor requests and we consider is reasonable; Acknowledge that each security interest described in the section headed Security for the Loan extends to the resulting contract between you and us and that the resulting contract is an agreement covered by each of those security interests. You declare that you understand that the secured property will be at risk if you default; Agree to notify us promptly in writing if you change your address; Declare that you have power to enter into the contract and grant the security interests and you do not need anybody else s consent before you enter into the contract and grant the security interests; and Declare that your loan is wholly or predominantly for personal, domestic or household purposes or to purchase, renovate or improve residential property for investment purposes or to refinance any such credit. Page 6 of 7

8 By signing below, you are making an offer to enter into a loan contract with us. Upon acceptance of your offer by HMFS, you acknowledge the Contract will be binding on you. BEFORE YOU SIGN READ THIS CONTRACT DOCUMENT so that you know exactly what contract you are entering into and what you will have to do under the contract. You should also read the information statement: 'THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT'. Fill in or cross out any blank spaces. Get a copy of this contract document. Do not sign this contract document if there is anything you do not understand. IMPORTANT Borrower 1 Borrower 2 THINGS YOU MUST KNOW You can withdraw this offer at any time before the credit provider accepts it. When the credit provider does accept it, you are bound by it. However, you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for which credit is to be provided under the contract, by telling the credit provider in writing, but you will still be liable for any fees or charges already incurred. You do not have to take out consumer credit insurance unless you want to. However, if this contract document says so, you must take out insurance over any mortgaged property that is used as security, such as a house or car. If you take out insurance, the credit provider can not insist on any particular insurance company. If this contract document says so, the credit provider can vary the annual percentage rate (the interest rate), the repayments and the fees and charges and can add new fees and charges without your consent. If this contract document says so, the credit provider can charge a fee if you pay out your contract early. Signed: Date: / / Witness Signed: Date: / / Witness Signed: Signed: Page 7 of 7

9 BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN GPO Box 4268, Sydney NSW 2001 Telephone Fax Date: / / Application Confirmation by Borrower Borrower Details I declare that the following information was provided as part of my application for finance is true and correct as at the date of my signing of this contract. I am the owner of the asset(s) being financed and the purpose of the asset(s) financed is for my personal use or for dependants under my care. I acknowledge that I will derive a benefit from the use of the asset(s). I acknowledge that I hold the appropriate licence and am suitably insured for the intended use of the asset (for example, but not limited to, where the asset can be road-registrable or be used solely for off road use) My annual assessable income is: Please initial Annual taxable income from employment Annual investment property income Annual Family Tax A & B benefits Annual other income My expenses are: Monthly Housing Expense - Rent/Mortgage/Board Monthly Living Expense Monthly Credit card (min) Monthly Car Payments Monthly Other Loans Monthly Other Mortgage/Property Loan Number of Dependants To the best of my knowledge I have disclosed any foreseen changes, if any, to my personal or financial situation that would affect my ability to meet the repayments of this loan contract. Eg. Reduction in work hours to embark on further study. I acknowledge that this loan contract is for the amount of, my monthly repayments are, and that payments are to be made by Direct Debit I acknowledge I have received and have had read the following documents: Consumer Loan Agreement - Terms and Conditions Information Statement Credit Guide BOQ Credit Pty Limited Finance Customer Complaints Guide HMFS AppSumPg April 16 Page 1 of 1

10 BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax INSURANCE NOMINATION (Optional at the Customer s Request) I/We wish to have the following insurance(s) and to have the premium for the stated period funded by my loan Contract Number: Customer MORTGAGE PROTECTION INSURANCE(COMPREHENSIVE INSURANCE) If Name of Insurer: Term of Insurance: t applicable months Premium payable: If Commission Type t Ascertainable CONSUMER CREDIT INSURANCE If Name of Insurer: Term of Insurance: If Commission Type t applicable months Premium payable: t Ascertainable GAP (ASSET EQUITY) INSURANCE If Name of Insurer: Term of Insurance: If Commission Type t applicable months Premium payable: t Ascertainable ETENDED WARRANTY If Name of Insurer: t applicable Term of Insurance: months Premium payable: If Commission Type t Ascertainable OTHER INSURANCE If Name of Product: Insurer: Is Commission Payable? t applicable Amount payable: If Commission Type t Ascertainable FIRE AND THEFT If Name of Insurer: Term of Insurance: t applicable months Premium payable: If Commission Type t Ascertainable MOTORCYCLE TYRE AND RIM If Name of Insurer: Term of Insurance: t applicable months Premium payable: If Commission Type t Ascertainable DEALER ORIGINATION FEE If Dealer Amount payable: Customer Signature Date Customer Signature Date * Customer MUST receive a copy of this Insurance mination with their Consumer Loan pack Page 1 of 1 HMFS Insurance mination CLKANNA Jan 12

11 BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax COVER PAGE Contract Number: Customer Included in this pack of documents is the Loan Schedule, the Terms and Conditions and Information Statement, "Things you should know about your proposed credit contract". These documents together provide the information that you as the borrower are required to receive prior to entering into a credit contract with us. Also, in order to complete the finance process we will be asking for supporting documentation of the information that has been provided to us from you. We in turn shall be providing you documentation for you to keep. We will require the following from you: 1) 2) 3) 4) 5) 6) signed copy of the Privacy tification and Consent; signed copy of the Insurance mination form (if relevant); signed copies of the Loan Schedule; the completed Direct Debit Request form; sufficient documentation to prove your identity (i.e. driver's licence/passport etc.); and sufficient documentation to prove your income and financial situation. The following documents are for you to keep: 1) 2) 3) 4) the Credit Guide; a copy of the Consumer Loan Agreement consisting of the Loan Schedule and the Terms and Conditions; Information Statement; and Direct Debit Request Service Agreement. These documents are for your reference and form the basis of our relationship. They should therefore be read carefully. HMFS Cover Page CLKC1CV1 August 14 Page 1 of 1

12 CONSUMER LOAN AGREEMENT Loan Schedule BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax Contract Number: Acceptance Date: Borrower 1 Information Address: Borrower 2 Information Address: BOQ Credit Pty Limited ABN , trading as Honda MPE Financial Services ("HMFS", "we", "us"), can provide a loan to you, the Borrower named above, subject to you making us an offer to borrow money from us and you satisfying our credit assessment criteria. By signing this Loan Schedule and submitting all the required documents to us, you will be asking us to lend you money and offering to borrow money from us under the terms and conditions of this Consumer Loan Agreement, which is made up of this Consumer Loan Agreement Loan Schedule ( Loan Schedule ) and the Consumer Loan Agreement Terms and Conditions ( Terms and Conditions ). Together these documents will form the contract between us (Contract) if we approve your application and accept your offer. This Loan Schedule does not contain all of the information we are required to give you before we enter into the Contract. The rest of that information is contained in the Consumer Loan Agreement Terms and Conditions. Please read both documents carefully. Financial Table 1. Amount of Credit 2. Annual Percentage Rate The Annual Percentage Rate that applies to your loan is a fixed rate of: NaN% p.a. 3. Total amount of interest charges payable 4. Repayments Your loan is to be repaid over a period of months ("Repayment Period") by monthly payments of. The first repayment is due one month after the Acceptance Date and later repayments are due on the same date in each subsequent month. 5. Total amount of repayments Page 1 of 7

13 6. Credit Fees and Charges Credit fees and charges payable by you on or before the date we lend to you Security Registration Fee, payable when we advance the loan to you Establishment fee, payable when we accept your offer to lend to you and establish your loan account Stamp duty, payable when we advance the loan to you Total amount of credit fees and charges payable under this Contract, to the extent ascertainable Credit fees and charges that are payable by you after we lend to you Maintenance fee, payable each month at the same time a repayment is due $7.50 Credit fees and charges that may be payable by you after we lend to you Late Payment fee, payable when you make a payment after it is due Payment dishonour fee, payable each time your direct debit is dishonoured Registration fee, payable if we need to renew the registration Security discharge fee, payable when we release our security over one or more of the secured goods $25.00 $0.00 Early termination fee, payable if, for any reason, including as a result of your default under clause 11.1 of the Terms and Conditions, this contract terminates during the Repayment Period. The early termination fee will be equal to the following amounts: 2 monthly repayments, if termination occurs before half of all your repayments under this contract have been made; 1.5 monthly repayments, if the termination occurs after half, but before three quarters, of your repayments under this contract have been made; or 1 monthly repayment, if termination occurs after three quarters of your repayments under this contract have been made, provided more than three repayments remain. early termination fee is charged if termination occurs within the last 3 months of the Repayment Period We may, without your consent, vary your repayments or the above credit fees and charges (except for the early termination fee) and their time for payment. We may also, without your consent, add new credit fees and charges. Shoud a change occur, we will give you at least 20 days' written notice of the change. 7. Credit-Related Insurance (i.e. Consumer Credit Insurance and/or Mortgaged Property Insurance) If no details are provided below, credit-related insurance is not financed by this Contract. Consumer Credit Insurance Insurer: t applicable Premium: Term: Months Commission payable by insurer for introduction of the insurance business: Amount payable to insurer (or, if not ascertainable, method of calculation): Mortgaged Property Insurance Insurer: t applicable Premium: Term: Months Commission payable by insurer for introduction of the insurance business: Amount payable to insurer (or, if not ascertainable, method of calculation): Page 2 of 7

14 8. Commission Details If a name appears below, we will pay commission to that person or entity for the introduction of credit business or business financed bt this Contract, but the amount is not ascertainable unless stated. Paid to: Unascertainable If a name appears below, we will receive a commission from that person or entity for the introduction of credit business or business financed by this Contract. Unless otherwise indicated, the amount of any such commission is not ascertainable. Paid by: 9. Security for the Loan A security interest is to be/has been given to secure your obligations under this Contract over the Goods described below ("the Goods"). Goods 1 Type: Year: State of Reg'n: Chassis./ VIN/HIN: Goods 2 Type: Year: State of Reg'n: Chassis./ VIN/HIN: Goods 3 Type: Year: State of Reg'n: Chassis./ VIN/HIN: Goods 4 Type: Year: State of Reg'n: Chassis./ Manufacturer: Rego : Eng : (if there are no details below, no other security has been taken) Manufacturer: Rego : Eng : (if there are no details below, no other security has been taken) Manufacturer: Rego : Eng : (if there are no details below, no other security has been taken) Manufacturer: Rego : Eng : Model: Colour: New/Used: Price: Serial : Model: Colour: New/Used: Price: Serial : Model: Colour: New/Used: Price: Serial : Model: Colour: New/Used: Price: Serial : 10. Disbursements: We will pay your loan to - Payment for Goods being purchased Dealer Origination Fee Mortgaged Property Insurance (MPI) t applicable Consumer Credit Insurance (CCI) t applicable Gap (Asset Equity) Insurance t applicable Extended Warranty t applicable Fire and Theft Insurance Motorcycle Tyre and Rim Insurance [Other disbursements] t applicable t applicable t applicable Page 3 of 7

15 11. Guarantor If no details are provided below, no guarantee is required. A guarantee is to be/has been given by of to secure your obligations under this Contract. All information in this Loan Schedule is correct as at: Page 4 of 7

16 Credit from HMFS If you wish to proceed and make an application to us for credit, then you must: (a) sign and date two copies of this Loan Schedule and return one copy of this Loan Schedule; (b) complete and return the signed copy of the Privacy tification and Consent; (c) complete and return the signed copy of the Insurance mination form (if relevant); (d) complete and return the Direct Debit Request form; (e) provide us with a copy of your Australian driver's licence; and (f) provide us with a copy of your last bank statement, and deliver to us at: GPO Box 4268 Sydney NSW 2001 Or By delivering all the documents to your authorised dealer by no later than 5.00pm on If you do not, then we will not proceed with your credit application. We will assess your application under our credit assessment criteria. If we approve your application we will accept your offer and enter into the Contract with you in accordance with the provisions of the Contract. Signed for and on behalf of BOQ Credit Pty Limited by its authorised signatory: Greg Stonier General Manager Honda MPE Financial Services Your Application for Credit By signing this document you: Make an application for credit based on the terms set out in this Loan Schedule and the Terms and Conditions; Confirm this application constitutes your offer to borrow the Amount of Credit from us on the terms and conditions set out in the Loan Schedule and the Terms and Conditions; Acknowledge that HMFS is not bound by your offer and will only enter into the Contract after we have approved your application and accepted your offer; Declare that all the information you have given us is accurate and not misleading and that you are aware that we are relying on it; Page 5 of 7

17 Acknowledge that before signing this document you received and read a copy of: (a) the Loan Schedule; (b) the Terms and Conditions; (c) the Information Statement Things you should know about your proposed credit contract ; (d) the Credit Guide; and (e) the Direct Debit Request Service Agreement; Acknowledge that you fully understand the nature and effect of the contract and the obligations of entering into it; Acknowledge that you were given the opportunity to seek independent legal advice and that we recommended that you obtain such advice; Declare that you do not sign this application as trustee, unless you have told us in writing; Consent to us giving to each guarantor or prospective guarantor named under "Security for the Loan": (a) A copy of this document or any security (whether signed or unsigned); (b) A copy of any notice to or from us; (c) A copy of your account or other account statements; (d) A copy of any final letter of offer; (e) Any current related credit insurance contract; and (f) Any other information the prospective guarantor requests and we consider is reasonable; Acknowledge that each security interest described in the section headed Security for the Loan extends to the resulting contract between you and us and that the resulting contract is an agreement covered by each of those security interests. You declare that you understand that the secured property will be at risk if you default; Agree to notify us promptly in writing if you change your address; Declare that you have power to enter into the contract and grant the security interests and you do not need anybody else s consent before you enter into the contract and grant the security interests; and Declare that your loan is wholly or predominantly for personal, domestic or household purposes or to purchase, renovate or improve residential property for investment purposes or to refinance any such credit. Page 6 of 7

18 By signing below, you are making an offer to enter into a loan contract with us. Upon acceptance of your offer by HMFS, you acknowledge the Contract will be binding on you. BEFORE YOU SIGN READ THIS CONTRACT DOCUMENT so that you know exactly what contract you are entering into and what you will have to do under the contract. You should also read the information statement: 'THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT'. Fill in or cross out any blank spaces. Get a copy of this contract document. Do not sign this contract document if there is anything you do not understand. IMPORTANT Borrower 1 Borrower 2 THINGS YOU MUST KNOW You can withdraw this offer at any time before the credit provider accepts it. When the credit provider does accept it, you are bound by it. However, you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for which credit is to be provided under the contract, by telling the credit provider in writing, but you will still be liable for any fees or charges already incurred. You do not have to take out consumer credit insurance unless you want to. However, if this contract document says so, you must take out insurance over any mortgaged property that is used as security, such as a house or car. If you take out insurance, the credit provider can not insist on any particular insurance company. If this contract document says so, the credit provider can vary the annual percentage rate (the interest rate), the repayments and the fees and charges and can add new fees and charges without your consent. If this contract document says so, the credit provider can charge a fee if you pay out your contract early. Signed: Date: / / Witness Signed: Date: / / Witness Signed: Signed: Page 7 of 7

19 BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax INSURANCE NOMINATION (Optional at the Customer s Request) I/We wish to have the following insurance(s) and to have the premium for the stated period funded by my loan Contract Number: Customer MORTGAGE PROTECTION INSURANCE(COMPREHENSIVE INSURANCE) If Name of Insurer: Term of Insurance: t applicable months Premium payable: If Commission Type t Ascertainable CONSUMER CREDIT INSURANCE If Name of Insurer: Term of Insurance: If Commission Type t applicable months Premium payable: t Ascertainable GAP (ASSET EQUITY) INSURANCE If Name of Insurer: Term of Insurance: If Commission Type t applicable months Premium payable: t Ascertainable ETENDED WARRANTY If Name of Insurer: t applicable Term of Insurance: months Premium payable: If Commission Type t Ascertainable OTHER INSURANCE If Name of Product: Insurer: Is Commission Payable? t applicable Amount payable: If Commission Type t Ascertainable FIRE AND THEFT If Name of Insurer: Term of Insurance: t applicable months Premium payable: If Commission Type t Ascertainable MOTORCYCLE TYRE AND RIM If Name of Insurer: Term of Insurance: t applicable months Premium payable: If Commission Type t Ascertainable DEALER ORIGINATION FEE If Dealer Amount payable: Customer Signature Date Customer Signature Date * Customer MUST receive a copy of this Insurance mination with their Consumer Loan pack Page 1 of 1 HMFS Insurance mination CLKANNA Jan 12

20 DIRECT DEBIT REQUEST BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax Contract Number: To "you": BOQ Credit Pty Limited ABN Debit User ID Number I/We, the customer/s signing below, request and authorise you to debit my/our account detailed in the Schedule below through the Bulk Electronic Clearing System with moneys payable by me/us, including repayments and/or any fees and charges that become due, under: any finance contract made between you and me/ us; or any specific verbal instructions I/we give you from time to time about moneys due under any finance contract I/we have with you. Any such debit will be subject to the terms and conditions in the Direct Debit Request Service Agreement. Schedule Financial Institution Financial Institution Address:,, Account BSB Number: Account Number: Account Holder/s Customer 1 Customer 2 Signed: Date: / / Signed: Date: / / Acknowledgement By signing and/or providing you with a valid instruction in respect to our Direct Debit Request, I/we have understood and agreed to the terms and conditions governing the debit arrangements between us and BOQ Credit Pty Limited as set out in this Request and in the Direct Debit Request Service Agreement. Important Payments by direct debit. By signing above you give permission for BOQ Credit Pty Limited to debit your account as detailed for the first loan payment and any subsequent loan payments. (Please note: Direct Debiting is not available on the full range of bank accounts. If in doubt, please refer to your bank.) HMFS DDR CLKDDR Jun 17 Page 1 of 1

21 BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN Australian Credit Licence Number: GPO Box 4268, Sydney NSW 2001 Telephone Fax WELCOME to HONDA MPE FINANCIAL SERVICES Reference Number: Customer Welcome and thank you for choosing Honda MPE Financial Services. With the commencement of your new contract through Honda MPE Financial Services, there are a few things you should know to help you with your account. On your account statement the debits will appear as from BOQ Credit Pty Limited. If the payment date falls on a weekend or a public holiday, it will be processed the next available business day. Your monthly repayment of will be direct debited from your nominated bank account one month after the Settlement Date and each month thereafter. If you have missed a payment, our banking details for manual payments are below: Electronic Funds Transfer (Internet Banking) If you have Internet Banking Access you can use the following bank account details: (te: This method is a funds transfer and not BPAY) Our banking details are: National Australia Bank Limited Name of Account: BOQ Credit Pty Limited BSB: ACC: Reference number: If you need to change your account details, you can contact customer service to update your account. Please contact BOQ Credit Pty Limited immediately if there is any discrepancy in the information above or the Consumer Loan Agreement (Contract) that has already been provided to you. For any enquiries, our customer service team is open from 8.30am-5pm EST Monday-Friday. All changes to be made to your account must be given with at least five (5) business days notice and the request must be made in writing. Congratulations on your purchase. Yours Sincerely Greg Stonier General Manager Honda MPE Financial Services HMFS Welcome Letter CLKTCV August 14 Page 1 of 1

22 BOQ Credit Pty Limited t/as Honda MPE Financial Services ABN GPO Box 4268, Sydney NSW 2001 Telephone Fax MEMO To: From: Date: Re: BOQ CREDIT PTY LIMITED / / LOAN AGREEMENT # WE ATTACH THE FOLLOWING COMPLETED DOCUMENTS FOR SETTLEMENT: FOR ALL LOAN AGREEMENTS Copy of current Australian Driver's Licence with current address evident for all applicants Proof of Income - including Guarantor (if applicable) Confirmation of Insurance mination and all corresponding insurance policies A copy of the Dealer tax invoice including DOF Dealer Wholesale Settlement Worksheet completed in Full Privacy Declaration form signed Direct Debit Request form signed and completed in full Applicants Bank Statement confirming BSB and account number (no older than 180 days) Consumer Loan Agreement Guarantee and Indemnity (if applicable) Application Confirmation by Borrower/Guarantor (if applicable) Proof of shared housing expense with non borrower (if applicable) By signing below I agree that I have completed the required paperwork in full and as per the criteria set out by BOQ Credit Pty Limited t/as Honda MPE Financial Services. If it is not completed correctly I am aware that payment will be withheld until I provide the appropriate documentation and signatures and understand that it is my responsibility to adhere to the requirements. Sent By: (DEALER TO SIGN HERE) HMFS Memo CLKMEMO April 16 Page 1 of 1

23 Contract. DEALER WHOLESALE SETTLEMENT WORKSHEET Please complete this worksheet to assist us with the prompt settlement for your LOAN transaction: IS SOLD UNIT ON BOQ WHOLESALE FLOORPLAN (tick one box): NO (FULL INVOICE AMOUNT WILL BE REMITTED TO DEALER) YES IF YES, PLEASE COMPLETE THE FOLLOWING: TRUST RECEIPT NO: TOTAL WHOLESALE AMOUNT (INC GST) A PLEASE CALCULATE THE SURPLUS / SHORTFALL ON THIS LOAN/LEASE TRANSACTION BY COMPLETING THE SECTION BELOW: DEALER LOAN INVOICE AMOUNT INC GST (DOF IF APPLICABLE) DEDUCT: TOTAL WHOLESALE AMOUNT: SURPLUS B A / (SHORTFALL) AMOUNT: NOTE: IF THERE IS A SHORTFALL YOU ARE REQUIRED TO PAY THE SHORTFALL AMOUNT TO REPAY THE WHOLESALE AMOUNT IN FULL. DEALER SETTLEMENT PAYMENT OPTIONS (tick one of the following two options): SURPLUS AMOUNT: PLEASE DEDUCT THE TOTAL WHOLESALE AMOUNT FROM THE INVOICE AMOUNT AND REMIT THE SURPLUS AMOUNT TO US (SHOWN ABOVE AS B ). A WE HAVE DIRECT DEPOSITED THE TOTAL WHOLESALE AMOUNT (SHOWN ABOVE AS ) INTO THE BOQ BANK ACCOUNT NO (National Aust Bank ). (A COPY OF THE DEPOSIT FORM IS ATTACHED). A SIGNED: DATE HMFS Dealer Wholesale Settlement Worksheet CLKDWSWS Dec 15