Australian Credit Licence holder Beagle Finance Pty Ltd (ACN ) Address Level 24, 52 Martin Place, Sydney NSW 2000

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1 CREDIT GUIDE Beagle Finance Pty Ltd is licensed to assist you with finance under the National Consumer Credit Protection Act 2009 ( The Act ). This Act regulates the activities of lending, leasing and finance broking. 1. KEY INFORMATION Australian Credit Licence holder Beagle Finance Pty Ltd (ACN ) Address Level 24, 52 Martin Place, Sydney NSW 2000 Phone and lk_support@loankit.com.au Australian Credit Licence number Internal Complaints Officer contact details Compliance and Customer Service Manager details as above External Dispute Resolution Scheme details 2. OUR CREDIT REPRESENTATIVES Credit & Investments Ombudsman phone We have appointed a number of Credit Representatives to provide services to you. Details of the Credit Representative with whom you are dealing are: Credit Representative s name Address Darren Hao Liu Phone Suite 703, Level 7, 121 Walker Street, North Sydney NSW darreninfo@myhomeloan.com.au Credit Representative number Credit & Investments Ombudsman External Dispute Resolution Scheme details phone The Credit Representative (or the business for which the Credit Representative acts) will receive the commissions referred to in Part 6 of this document above. 3. SERVICES PROVIDED We will assist you in making the choice of a loan or lease that is suitable for your purposes. We will provide you with information on a broad range of finance providers and loan products. Once you have chosen a loan or lease that is suitable for you, we will assist in obtaining approval for the finance. We source finance products from a panel of finance providers. Our Current Top 6 providers to which our Representatives introduced borrowers are: ANZ Bank Commonwealth Bank Australia National Australia Bank St George Bank ING Resimac Platinum 1 July 2015 Version 1 Page 1 of 3

2 4. INFORMATION WILL BE REQUIRED FROM YOU Under the Act, we are obliged to make sure that any loan, or principal increase to a loan, or lease that we assist you to obtain is not unsuitable for you. We will need to ask you a series of questions to make this assessment. The law requires us to: make reasonable enquiries about your borrowing objectives and requirements; make reasonable enquiries about your financial situation; and take reasonable steps to verify the details of your financial situation. Credit will be unsuitable if, at the time of making the assessment, it is likely that, at the time the recommended loan or lease is made: you cannot afford to repay the loan or lease or can afford to repay it only with substantial hardship; or the loan or lease does not meet your borrowing objectives and/or requirements. For these reasons, we must ask you to provide us with a significant amount of information, much of which we will need to verify. It is therefore very important that the information you provide to us is accurate and complete. If we provide you with credit assistance, we are required to provide you, upon your request, a copy of our preliminary credit assessment for up to seven years after the date of the assistance. 5. INFORMATION PROVIDED BY US We do not provide financial or legal advice. It is important to understand your legal obligations under a proposed loan or lease and the financial consequences imposed by the debt. If you have any doubts, you should obtain independent financial and legal advice before you enter into any finance contract. We do not make any representations about the current value of any real estate you finance through us, or the future prospects of its value. You should always rely upon your own enquiries. 6. FEES PAYABLE BY YOU We may charge you for our services if you apply for a home loan, an investment property loan, a personal loan or a lease. If a fee is to be charged, this will be disclosed to you in a Credit Quote which will be provided to you before applying for finance. You may need to pay fees to the finance provider as part of the application process. These will be detailed in a Credit Proposal Disclosure Document that we will provide to you before applying for finance. 7. COMMISSIONS RECEIVED BY US We may receive commissions from the finance provider that provides your loan or lease. These are not fees payable by you. Further details of the commission earned by us will be provided in the Credit Proposal Disclosure Document that we will provide to you before applying for finance. We may receive additional commissions or bonuses from finance providers relating to the volume of finance that we arrange. Such payments are dependent upon a number of factors and cannot be quantified at this point. 1 July 2015 Version 1 Page 2 of 3

3 8. COMMISSIONS AND FEES PAYABLE BY US Referrals from a broad range of sources are sourced by us and our representatives. For example, we or our representatives may pay commissions or fees to call centre companies, real estate agents, accountants, solicitors or other businesses for referring you to us. These are not fees payable by you. Any referral fee or commission paid in relation to your referral will be disclosed in the Credit Proposal Disclosure Document that will be given to you before applying for finance. 9. OUR INTERNAL DISPUTE RESOLUTION SCHEME We hope that you are delighted with our services. However, if you have any complaints, you can raise these directly with the representative with whom you are dealing. If you are not satisfied with the response that you receive, you may contact our Compliance Manager, by telephoning , or writing to Level 24, 52 Martin Place, Sydney NSW When we receive a complaint, we attempt to resolve it as quickly as possible, subject to a full investigation of all the circumstances involved. 10. OUR EXTERNAL DISPUTE RESOLUTION SCHEME If you are not satisfied with the outcome of your complaint, you may refer the matter to the Credit & Investments Ombudsman, an ASIC-approved External Dispute Resolution Scheme. External dispute resolution is a service provided at no cost to you, giving you access to an independent mechanism for the resolution of specific complaints or disputes. 11. PRIVACY DISCLOSURE STATEMENT We are collecting personal and financial information about you to provide you with our broking services. 1. The information you provide will be held by us and our Credit Representative. 2. We may use credit information and any other information you provide to arrange or provide finance and other services. 3. We may exchange the information with the following types of entities Persons who provide finance or other products to you, or to whom an application has been made for those products. Financial consultants, accountants, lawyers and advisers Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services Any person where we are required by law to do so Any of our associates, related entities or contractors Your referees, such as your employer, to verify information you have provided Any person considering acquiring an interest in our business or assets Any organisation providing online verification of your identity 4. We will not disclose your information to overseas entities. 5. You may gain access to the personal information that we hold about you by contacting us. You can also contact us for a copy of our privacy policy. Our privacy policy contains information about how you may access or seek correction of the information we hold about you, how we manage that information and our complaints process. Our privacy policy is available from If you do not provide the information we may be unable to assist in arranging finance or providing other services. 12. DO YOU HAVE ANY QUESTIONS? If you have any questions about this Credit Guide or about any other aspect of our services, please do not hesitate to ask us at any time. We are here to assist you. 1 July 2015 Version 1 Page 3 of 3

4 Financial Services Guide About this Guide This Financial Services Guide (FSG) describes the services provided by your mortgage broker, the company they represent and the Australian Financial Services Licensee under which they are authorised (the three parties referred to as we/us/our in this guide). It is designed to assist you to decide whether you wish to use our services and describes how we are remunerated and what to do if you have a complaint about our services. You may also receive a Product Disclosure Statement (PDS) which contains important information about the insurance including details of benefits, exclusions and premiums. If you have any questions about the information contained in the PDS, please ask your mortgage broker or call ALI Group on About Us About your mortgage broker Your Mortgage Broker is representing: My Home Loan Pty Limited Authorised Representative Number: Address: Tel: Website: Suite 703, Level 7, 121 Walker Street North Sydney, New South Wales ask@myhomeloan.com.au About the Licensee Australian Life Insurance Distribution Pty Ltd (ALI Group) Australian Financial Services Licence Number (AFSL): GPO Box 4737, Sydney NSW 2001 Tel: What services do we provide? ALI Group holds an Australian Financial Services licence and is authorised to arrange for you to apply for life and general insurance and to provide general advice on those products. ALI Group has appointed your mortgage broker and the company they represent as our authorised representatives. These appointments enable them to arrange life and general insurance products for you through ALI Group and to provide general advice on those products. We will not advise you on the suitability of the product for your particular circumstances or provide you with information that takes into account your financial situation or your personal needs and objectives. In some instances, your mortgage broker may provide you with factual information and refer you to another Australian Financial Services licensee or representative for them to provide you with advice on and arrange insurance for you. Who do we act for? ALI Group issues life insurance policies on behalf of the life insurer under binder and therefore acts as the insurers agent when arranging your insurance. Your mortgage broker and the company they represent act on behalf of ALI Group, and therefore also on behalf of the life insurer. Professional indemnity insurance ALI Group has Professional Indemnity insurance in place that complies with the requirements of s912b of the Corporations Act 2001 and covers claims made in relation to the conduct of ALI Group and its Authorised Representatives (including your mortgage broker and the company they represent) in providing the financial services set out in this FSG. This cover extends to claims made in relation to employees of ALI Group and mortgage brokers and other entities who are no longer representatives of ALI Group (but who were our representative at the time of the circumstances that led to the claim). FSG

5 Financial Services Guide How are we paid? ALI Group receives an ongoing commission, calculated as a percentage of your premium (excluding taxes and charges), from the insurer after you have paid the premiums. Australian Life Insurance Administration Pty Ltd may provide administration and compliance services to the insurer. Australian Life Insurance Administration Pty Ltd is a related company of ALI Group. Where these services are provided, it receives a fee from the insurer, calculated as a percentage of your premium (excluding taxes and charges), for providing these services. ALI Group pays a percentage of its commission in the form of commission or other benefits to: your mortgage broker, or the company your mortgage broker represents, or the broker group to which your mortgage broker, and/or the company your mortgage broker represents, belong. Where ALI Group pays the broker group, they may in turn pay a percentage of this commission to your mortgage broker and/or the company your broker represents. Under ALI Group s Broker Partner Program, your mortgage broker may receive recognition in the form of products and services that support them in their business. Eligibility criteria is aligned with factors aimed at better customer care, and does not include sales volume. You can ask us for more particulars of our remuneration or other benefits within a reasonable period after receiving this FSG and before we provide you with any of the insurance services described in this FSG. Note: If your insurance is cancelled all or part of the commission may need to be repaid by the recipients. What to do if you have a complaint We are committed to providing you with great service. If you have a complaint, please call our Contact Centre Team on or send your complaint to ALI Group by ing service@aligroup.com.au or by writing to The Complaints Manager (Distribution), at ALI Group s postal address (as noted on the previous page). If ALI Group is unable to resolve the issue to your satisfaction, you have the right to complaint to the Financial Ombudsman Service (FOS). FOS is an independent complaints resolution scheme of which ALI Group is a member. Their service is free of charge to consumers. FOS may be contacted by: Phone Fax info@fos.org.au Website This Financial Services Guide was prepared on 13 April Distribution of this FSG has been authorised by ALI Group. FSG