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- Barnaby Phelps
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3 1. General information Who is Macquarie Bank Limited? Macquarie Bank Limited is owned by Macquarie Group Limited. Macquarie Group is a global provider of banking, financial, advisory, investment and funds management services. Macquarie Group s main business focus is making returns by providing a diversified range of services to clients. Macquarie Group Limited is listed in Australia (ASX:MQG; ADR:MQBKY) and is regulated by APRA, the Australian banking regulator, as the owner of Macquarie Bank Limited, an authorised deposit taking institution. Founded in 1969, Macquarie Group operates in 27 countries. What is happening? Macquarie has entered into an agreement to acquire the Esanda dealer motor vehicle finance portfolio from Australia and New Zealand Banking Group Limited ( ANZ ). This portfolio of contracts will be serviced by Macquarie Leasing, the automotive and equipment finance arm of the Corporate Asset Finance division of Macquarie. Why is Macquarie acquiring the Esanda portfolio? Macquarie strives to realise opportunity for the benefit of our clients, our shareholders and our people. It has established leading market positions in a wide range of sectors, including the vehicle and equipment finance industry. This acquisition will represent a continuation of Macquarie s growth by expanding Macquarie s current dealer motor vehicle finance portfolio. As a result, Macquarie will have a greater penetration of the Australian motor vehicle financing market. How will this impact me? If you have an Esanda loan, lease or offer to hire contract that was arranged through a car dealership, Macquarie is now your lender and you will now need to contact Macquarie for enquiries about your contract. Will Esanda be integrated into Macquarie or will it operate as a separate entity? Esanda is not integrating with Macquarie and will continue to operate as a business of ANZ. Who is the legal owner of the security / securities under finance? Security ownership has now been transferred from ANZ to Macquarie Bank Limited. The security encumbrance is now in the name of Macquarie Bank Limited. Do I have to switch to Macquarie? Yes. Macquarie is now the legal owner of the Esanda dealer motor vehicle finance portfolio and will support existing Esanda customer contracts.
4 2. My contract Will my terms and conditions with Esanda stay the same? The terms and conditions of your contract will remain unchanged. I have two contracts with Esanda. Why has one contract moved and not the other? Macquarie has entered into an agreement to acquire only the Esanda dealer motor vehicle finance portfolio from ANZ. All other contracts that are not part of this portfolio will remain with ANZ. Can you provide information about my credit card with ANZ? No. Macquarie has only acquired the Esanda dealer motor vehicle finance portfolio from ANZ Group Limited. We have not acquired any other products from ANZ and will not have access to this information. Will I receive a new contract from Macquarie? No. You will not receive a new contract from Macquarie. We will manage your existing contract with Esanda. Will I have a new Macquarie contract number? Yes. Macquarie will assign a new contract number, however, we are storing your existing Esanda contract number and will be able to refer to this when we speak with you. Please refer to your Welcome pack for more information. 3. Customer contact Do I need to contact Esanda? As Esanda is no longer the legal owner of your contract or the security / securities under finance, all future enquiries need to be directed to Macquarie. Do I need to contact Macquarie? As the terms and conditions of your contract remain unchanged, you are not required to take any action at all. If you have an enquiry about your dealer contract, please contact the Macquarie Leasing Client Management team for assistance. How do I contact Macquarie? Macquarie can be contacted by phone, , fax or post. T am 5pm, Monday to Friday AEST E leasingcustomerservice@macquarie.com F PO Box H94, Australia Square NSW 1215 What are Macquarie s trading hours? Macquarie s Client Management team can be contacted by phone 9am 5pm, Monday to Friday AEST. Why isn t Macquarie open on Saturday? Macquarie does not currently operate on Saturday. Macquarie s phone operating hours are 9am 5pm, Monday to Friday AEST.
5 4. Contract payments Will my repayment amount change? Payment Schedules No. The repayment amount on your contract will remain unchanged. If you pay via direct debit and your payment due date falls on a weekend or public holiday, Macquarie will debit your payment on the next business day. However, if the next business day falls in the next calendar month, payments will be drawn on the last business day of the calendar month in which they fall due. Do I need to make changes to my current payment method? If you currently make your contract payments using a method such as BPAY or EFT, please continue to so. If you will like to pay via direct debit, please use the online enquiry form to request this payment method. How do I pay via BPAY? The new BPAY biller code number is Your reference number is the 15 digit number provided by ESANDA. Please be aware that funds may take 2 business days to reach Macquarie Leasing. Payment Methods If you currently make your contract payments using a method such as BPAY or EFT, please continue to do so. Your Macquarie Welcome Pack will outline your contract payment options and to where you should direct your future payments going forward. If you pay via BPAY, your reference number is the 15 digit number provided by ESANDA. Please be aware that funds may take 2 business days to reach Macquarie Leasing.
6 Macquarie Leasing credit guidelines We are pleased to advise that Macquarie Leasing Pty Limited ABN Australian Credit Licence number ( Macquarie Leasing ) will be servicing your consumer asset finance product, under an arrangement with Macquarie Bank Limited (ABN Australian Credit Licence number ) our related body corporate. You will not be charged a fee by Macquarie Leasing for our servicing of your consumer asset finance product on behalf of Macquarie Bank Limited. You will continue to be liable for fees and charges payable by you under your consumer asset finance contract. These credit guidelines will tell you all about who we are, how you can contact us, and our dispute resolution process. Obligations before providing credit to you A credit provider has the obligation to ensure that any credit contract with you (or increase in the credit limit of a credit contract) is not unsuitable for you. The credit contract will be unsuitable for you if: you will be unable to comply with your financial obligations under the credit contract (or could only comply with substantial hardship); or the contract does not meet your requirements or objectives. To help the credit provider make this assessment they will ask you questions to enable them to make a credit assessment. This information includes details of your financial situation and information about your requirements and objectives. It is very important that you provide accurate information and consider whether the product is right for you, and that you are satisfied that you will be able to meet your commitments under the credit contract. You can request a copy of the assessment. We must give you a written copy of the assessment (free of charge): within 7 business days, if your request is made within 2 years of entering into the credit contract or the credit limit increase; and otherwise, within 21 business days. We do not need to give you a copy of the assessment if your request is made more than 7 years after entering into the credit contract or the credit limit increase. What to do if you are unhappy with Macquarie Leasing or your product If you are unhappy with Macquarie Leasing or your product please let us know. We have both internal and external dispute resolution processes aimed to resolve any complaint from you. Lodging your complaint Once you have contacted us, we will begin the process of investigating and resolving your complaint, at no cost to you. You can let us know your complaint by: T F E mcafleasingfeedback@macquarie.com W PO Box H94, Australia Square NSW 1215 How we handle disputes Where possible, we will try to resolve your dispute within 2 business days. Sometimes this is not possible in the event of complicated circumstances or where we need to deal with third parties. In those cases the process can take longer. If the matter is more complex, it may take a longer time to resolve. If we are unable to provide a final response to your complaint or dispute within 45 days (21 days for disputes involving default notices), we will: inform you of the reasons for the delay; advise your right to complain to our external dispute resolution scheme; and provide you with details of our external dispute resolution scheme. If you are not happy with our proposed resolution If you are not satisfied with our proposed resolution, you can also contact the Financial Ombudsman Service (FOS), an independent external dispute resolution service. The FOS dispute resolution process is impartial, independent and free for our customers. Before FOS can investigate a matter, you must first have given us the opportunity to review it. You may contact or lodge a written complaint with FOS T Free call 9am 5pm, Monday to Friday AEST F E info@fos.org.au W GPO Box 3, Melbourne VIC 3001 Contacting us T F E leasingcustomerservice@macquarie.com W PO Box H94, Australia Square NSW 1215
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