You hereby receive the interest proposal for the NIBC Direct Hypotheek mortgage for the benefit of:

Transcription

1 Translation This is a translation of the original Dutch text. This translation is furnished for the customer s convenience only. The original Dutch text will be binding and will prevail in the case of any inconsistencies between the Dutch text and the English translation. Date Re Handled by Appendices : 26 October 2018 : Interest proposal : NIBC Direct Hypotheken bv : none Number Currency : Dear Sir, Madam, You hereby receive the interest proposal for the NIBC Direct Hypotheek mortgage for the benefit of: with associated appendix/appendices. The interest proposal gives an indication for a mortgage loan which NIBC Direct Hypotheken B.V. would be able to offer your client based on the information you have provided. This document is not binding. Sign the interest proposal The next step in applying for the mortgage is to request the definitive quotation. Have your client sign the interest proposal to this effect. By signing the interest proposal, your client indicates he wishes to receive a definitive quotation, to approve of the controlling of the provided documents and the requesting of additional data from institutions such as the credit-check body Bureau Krediet Registratie and the mortgage watchdog Stichting fraudebestrijding Hypotheken. We hope to receive a signed copy of the interest proposal back from you before 16 November We would like to receive the requested documents as soon as possible, but in any case no later than 23 January In case changes occur in the personal situation of your client after providing the documentations, you must communicate those to us immediately. If the application is accepted based on the forwarded information, you will receive for your client from NlBC Direct Hypotheken B.V. a binding mortgage proposal. Only then you will know for sure and under what conditions NIBC Direct Hypotheken wishes to provide a mortgage to you. At that point, your client will have 14 days time to reflect on the definitive quotation and accept it. Subsequently, the mortgage can be executed before the notary. Do you have any more questions? If you have any more questions, you can call our Contact Centre on number You can call us Monday to Friday from 8.30 AM to 5.30 PM. You can also mail us your questions at TeamNIBC@stater.nl. With kind regards, Michel Kant NIBC Direct l lypolhcken H V. Richard Lcijnsc NIBC Direct l lypolhekcn 13 V

2 Mediation by: Interest proposal NIBC Direct Hypotheek We have received a mortgage application from you. In response, we present you with this interest proposal. If we receive the present interest proposal with your signature before 16 November 2018, this interest proposal is valid until 23 February In addition, we ask you to provide the documents indicated under the heading required documents. In order to receive a definitive quotation for a mortgage credit within the term of validity of this interest proposal, you must submit these documents to us before 23 January Summary interest proposal Name applicant(s) Amount of the loan (total) Collectible monthly for your loan Applied market value 2. The provider of this financial product (= the lender) NIBC Direct Hypotheken B.V., established in The Hague, in the following also referred to as "NIBC Direct". 5. Securities Security rights are titles the bank possesses to, for instance, leased out commercial buildings or other matters. If you do not comply with your obligations, the bank may exercise these rights to recover the money of the loan. In case of a mortgage we call this the right of mortgage. Security rights NlBC Direct: Right of 1st mortgage until an amount of 1p: Applied market value P ii :tfb 6. Collateralisation by third parties Not applicable

3 Interest proposal NJBC Direct Hypotheek 7. Specification of the loan components loan component number Annuity For this type of amortisation, you pay a fixed amount periodically, consisting of interest and amortisation. The emphasis within the composition of the instalment amount, shifts over the course of the effective time from interest to amortisation. Nominal interest rate Fixed interest period Annual cost percentage Loan amount Economic maturity Number of monthly payments Annual amortisation amount* Monthly amount (interest+ amortisation). 30 years 360 * Attached to this interest proposal is a mortgage costs calculation which provides you with insight into the financial obligat ions which are associated with this mortgage. If you have not received this calculation, then you can request this calculation from your advisor.

4 Interest proposal NlBC Direct Hypotheek 12. For questions and/or comments For questions and/or comments you can contact: Acts as a mediator and also is an advisor for this product. 13. Complaints You can submit complaints about compliance with the code of conduct in writing to: NIBC Direct Carnegieplein KJ The Hague Are you dissatisfied with the way your complaint is being handled, contact: Klachteninstituut Financiële Dienstverlening (KiFiD) P.O. Box AGThe Hague 16. General information The interest proposal and the concept ESIS are provided to you for information only and not for any other purpose. It is emphatically not intended to thereby make you any kind of offer. This means that you cannot derive any rights from the content of the interest proposal, the concept ESIS document and other appendices. The purpose of this letter including all amounts and rates referred to is only to inform you regarding an indication of the contents of such definitive quotation as you may obtain. 17. Required documents We need the following documents from you: A copy of the interest proposal signed by the borrower(s) personally (a) completely compiled and signed SEPA authorisation form(s) for direct debit a copy of a valid passport or a valid European identity card of a copy of the residence permit of a recent (preferably digitally compiled) NHG employer statement of a recent salary slip of a recent bank statement with personal details, collection number and crediting of the salary in conformity with salary slip of for 0422 business-services providers recent original appraisal report of issued and validated through the mediation of a SWEW certified institution a copy of the signed purchase agreement and/or the property deed of financing strategy copy of a recent bank statement in name of the applicant(s) for every IBAN number for which you issue a SEPA authorisation pledge statement of life insurance for the loan at - acceptance statement life insurance for the loan at -

5 Number Date: 26 October 2018 proof of own means Interest proposal NIBC Direct Hypotheek proof of at least xxxx months residence and work in the Netherlands of The requested documents will be assessed in conjunction with such other information as may be desired. As soon as the set reserves and conditions have been met, you will receive written confirmation. If in the (preliminary) purchase agreement concluded by you a cancellation clause has been included for financing, you must make sure that the documents required by us are in our possession well before the end date of this cancellation clause.

6 Number Date: 26 October 2018 Interest proposal NIBC Direct Hypotheek Privacy statement We treat the personal information we have received from you with the utmost care. We need this information to process your mortgage application. For more information about this, we refer you to the appendix with our privacy statement. Undersigning interest proposal By undersigning this interest proposal, Mrs indicates she wishes to receive a definitive quotation. By signing this interest proposal, you approve of the controlling of data and the requesting of information from institutions such as the credit control agency Bureau Krediet Registratie and the mortgage watchdog Stichting Fraudebestrijding Hypotheken. If there are grounds to do so, NIBC Direct Hypotheken B.V. can (let) insert relevant in these registers. If you sign this interest proposal and we have received it no later than 16 November 2018, then the interest rate as stated in the interest proposal will be incorporated in a definitive quotation which will be issued by us. NIBC Direct Hypotheken B.V. is not obligated on the basis of this interest proposal to provide a mortgage loan to you. In addition, the following applies: You declare to guarantee the accuracy and completeness of the information provided and to be provided by you to NIBC Direct Hypotheken B.V. in the context of this interest proposal. NIBC Direct Hypotheken B.V. will retain the received documentation at all times and will not, therefore, return it. You declare you will use the collateral solely for proper habitation. We thereby intend that you will have your main residence at this collateral. This must be evinced, for example, by the fact that you are registered as occupant at the civil registry or that you are inscribed at the address of the collateral immediately upon execution of the deed. You declare not to have been advised for this loan by NIBC Direct Hypotheken B.V. You declare, besides the current habitation, to have/not to have* other (business) real estate in (partial) property (*cross out where not applicable). If so, number of real estate... (Besides the employment relationship,) you have/do not have* an own business or inscription at the Chamber of Commerce (*cross out where not applicable). If so, number of inscriptions... wishes (wish) to undersign the mortgage deed before notary......_ in to be charged with executing the mortgage deed for the establishment of a 1st mortgage for the amount of

7 Interest proposal NIBC Direct Hypotheek Place... Date... Signature Applicant Amersfoort, 26 October 2018 Michel Kant NlBC Direct Hypotheken B.V, Richard Leijnse NJBC Direct Hypotheken B.V.

8 Interest proposal NIBC Direct Hypotheek SEPA authorisations direct debit payable amounts On the following pages, you can find the SEPA authorisations for the automatic debiting of the payable amounts for your loan. We ask you to compile this/these SEPA authorisation(s) completely and sign it/them. Must the payable amounts of the loan be debited to different bank accounts? Only in that case, you must fill out the other authorisation form for the loan, and sign it, for the other bank account. Make sure that the percentages on both forms jointly are 100%. We would be happy to receive the completely filled out forms from you, along with the signed interest proposal and the other documents. We will send you a confirmation of this/these authorisation(s) at least six days before the first debiting, as well as an announcement of the amounts we will debit.

9 Interest proposal NIBC Direct Hypotheek Form SEPA authorisation direct debit Interest prop. number: In name of: Address: Postcode & place: Phone number (private) Authorisation for the payable amount for loan by the signing of this form -you give permission to Stichting Ontvangsten Hypotheekgelden, Carnegieplein 4, 2517 KJ in The Hague in the Netherlands with collector s ID NL77ZZZ , to continuously send collection orders on behalf of NIBC Direct Hypotheken B.V. to your bank for the payable amount for the definitive quotation and loan - you give permission to your bank to continuously debit the payable amount for the definitive quotation and loan to your bank account in accordance with the order from Stichting Ontvangsten Hypotheekgelden. - you declare to be aware of the arrangement on grounds of which you may retransfer debits within 8 weeks, on condition you have contacted your bank within this term.,,, % of the payable amount for loan is debited from: IBAN Name 1st account holder Name 2nd account holder: Signatures Place Date: Signature Account holder 1 Account holder 2: To the extent the documentation required from you constitutes an authorisation, it applies that NIBC Direct Hypothekcn BV. may only make use of it if a mortgage loan agreement is concluded with you..

10 Number Date: 26 October 2018 Interest proposal NIBC Direct Hypotheek Form SEPA authorisation direct debit Interest prop. number In name of: Address: Postcode & place: Phone number (private) Authorisation for a part of the payable amount for loan (You fill out this authorisation completely and sign it if you wish to have a part of the payable amount for the loan debited to another IBAN.) By signing this form -you give permission to Stichting Ontvangsten Hypotheekgelden, Camegieplein 4, 2517 KJ in THE HAGUE in the Netherlands with collector s ID NL 77ZZZ , to continuously send collection orders on behalf of NIBC Direct Hypotheken B.V. to your bank for the payable amount for the definitive quotation and loan. -you give permission to your bank to debit the payable amount for the definitive quotation and loan from your bank account in accordance with the order of Stichting Ontvangsten Hypotheekgelden. -you declare to be aware of the arrangement on grounds of which you may retransfer debits within 8 weeks, on condition you have contacted the bank within this term. _ % of the payable amount for the loan IBAN is debited from Name 1st account holder: Name 2nd account holder: Signatures Place: Date Signature Account holder 1 Account holder 2 To the extent the documentation required from you constitutes an authorisation, it applies that NIBC Direct Hypotheken B.V. can only make use of it if a mortgage loan agreement is concluded with you.

11 Interest proposal NIBC Direct Hypotheek STATEMENT IN CONNECTION WITH PLEDGING AND THE CREDITOR AS A BENEFICIARY The undersigned: 1.Mrs Residing in in the following referred to as: 'the insurance policy holder'; and 2. NlBC Direct Hypotheken B.V., established on Carnegieplein KJ in THE HAGUE, in the following referred to as: NIBC Direct Hypotheken B.V. taking into consideration -that the policy holder with under policy number... for the life of has concluded a life insurance or has applied for it respectively/will conclude such for an amount of -that the policy holder has accepted an interest proposal with the aforementioned interest proposal number for a (mortgage) monetary to be concluded with NIBC Direct Hypotheken B.V. and that he has committed himself on account thereof through an agreement duly know to parties without any further description regarding a monetary loan (with the establishment of a mortgage) as a joint and several debtor towards NlBC Direct Hypotheken B.V. declare to have agreed as follows: 1. as an (additional) security for everything the policy holders owe or will owe to NIBC Direct Hypotheken B.V. on account of the (mortgage) monetary loan, the policy holders pawn to NTBC Direct Hypotheken B.V., which accepts the pawn of the policy holders, all rights and claims, whereby are emphatically included the right to commutation, to pawning, for the commutation of a life insurance and to the designation of the beneficiary, that is, the modification of the existing beneficiary, which the policy holders can or will be able to derive from the life insurance agreement intended in the preceding. Emphatically excluded from this pledging are all rights flowing from or related to with a possible work incapacity insurance; 2. NIBC Direct Hypotheken B.V., to the extent necessary hereby authorised to that effect, designates itself as the first beneficiary of the life insurance intended above for the amount of the maximum of everything which is or will be owed on account of the monetary loan, which attribution is accepted by NTBC Hypotheken B.V.; 3. the policy holders have declared that they are authorised for said pledging and that the rights and claims flowing for them from the insurance are not subject to limited rights; 4. in derogation to the designation of the beneficiary to the benefit of NIBC Direct Hypotheken, the attribution of the beneficiary indicated by the policy holders is respectively remains effective, on condition the beneficiary(/-ies) has/have granted mandate and power to pay the disbursement to NIBC Direct Hypotheken B.V. to settle everything which is owed by the debtors pursuant to the loan deed with the aforementioned interest proposal number to NIBC Direct Hypotheken B.V.;

12 Interest proposal NIBC Direct Hypotheek 5. after the debt has been settled in its entirety with NIBC Direct Hypotheken B.V., NIBC Direct Hypotheken B.V. will waive its rights pursuant to the concluded life insurance and they will communicate such to the insurance company; 6. this pledging and the designation of beneficiary takes place under the General Conditions applicable to the loan. Signed thus, 1. The policy holder(s): 2. NIBC Direct Hypotheken B.V. Place Place 'S-GRAVENHAGE Date... Date... Signature... To the extent the documentation required from you constitutes an authorisation, it applies that NIBC Direct Hypotheken B.V. can only make use of it if a mortgage loan agreement is concluded with you.

13 Interest proposal NIBC Direct Hypotheek European standardised information sheet (ESIS) This document was drawn up for Mrs on 26 October 2018 This ESIS does not oblige NIBC Direct Hypotheken B.V. to grant a credit to you KJ THE HAGUE Fax number To obtain advice and mediation related to the mortgage you make use of a credit intermediary. NIBC Direct Hypotheken B.V. does not provide these services. For advice and mediation you must pay a fee. You establish the amount of this fee with your credit intermediary. NlBC Direct Hypotheken B.V. does not remunerate your credit intermediary. amount and currency requested credit This means you repay 1.46 per borrowed euro This amount is indicative and may vary. For the preparation of this information sheet, we based ourselves on the following value of the collateral Maximum available credit amount in proportion to the value of the collateral 7 right of mortgage

14 Interest proposal NIBC Direct Hypotheek Loan component number Amount and currency of the credit to be granted Maturity of the credit Type of credit Fixed interest period Total redeemable amount -months Annuity -months For the calculation of the interest costs of the total redeemable amount it is assumed that the interest applies to the entire maturity of the loan. These rates are published on 4. Interest and other costs The annual cost percentage consists of the total costs of the credit, expressed as an annual percentage. With the annual cost percentage you are better able to compare different information sheets. Loan component number The annual cost percentage for your credit is The annual cost percentage consists of: - the interest rate - the proportionally distributed one-off and periodic costs at loan level 1- This annual cost percentage is calculated by making assumptions regarding the interest over the course of the maturity of the loan. Costs payable once Cost component amount beneficiary Cost mediation purchase home Cost inscription mortgage register notary Cost appraisal appraiser Cost for mediation and advice for loan credit intermediary -- Costs payable regularly Cost component amount beneficiary Costs life insurance insurer Costs home insurance insurer -- You arrange the payment conditions and the time of payment with the beneficiary. The following costs are not known to the credit provider and therefore not included in the annual cost percentage: - costs structural inspection. - costs bank guarantee You must pay a fee for the registration of the mortgage. Make sure you are aware of all other taxes and costs which are associated with your credit.

15 Interest proposal NIBC Direct Hypotheek Amount of each amortisation Take into account the possible consequences of cancelling any one of the lateral services regarding the credit. If you do not comply with these obligations during the maturity of the credit, it may entail the lender requisitioning the credit. 8. Anticipated redemption You can repay us the loan prematurely in part or completely. The following conditions apply. Anticipated redemption of the financing is always possible. If the interest for comparable financing at the moment of anticipated redemption is lower with us than the payable interest, you owe compensation. This compensation serves to make up for the loss of interest. In a number of cases independent of the interest rate no compensation is due. For a detailed description we refer to the documents which are listed in the interest proposal in the text box General conditions. Amount over which the exit costs are calculated: 1. Taken as a basis is the amount you wish to repay. 2 We reduce this amount by the percentage you may repay annually without charges, whereby we take into account any possible earlier repayments in the current year.

16 Interest proposal NlBC Direct Hypotheek 3. This results in an amount over which the exit costs are calculated. Calculation of the payable exit costs 4. Subsequently we calculate what you would have had to pay until: - the end of the fixed interest period, or - the end of the maturity of your loan, if it is shorter than the remaining fixed interest period. We calculate this at the interest rate applicable to your loan now. 5. We make the same calculation with the current interest which applies now to a comparable mortgage according to your conditions. We call this the comparison interest rate. 6. The difference between these two amounts is the amount we will not receive now, due to the additional repayment. 7. You pay us the difference at once, instead of over the remaining months of your fixed interest period or the maturity of your loan. That is why we correct the exit costs in a standard manner downwards. This is the ultimate amount in exit costs which we bill to you. Examples as an illustration Example 1: Redemption-free loan (component) with a lower comparison interest rate Step 1 You wish to repay an additional 25, Step 2 You have exemption to repay annually without exit costs 5, Used of your exempt amount in , Your remaining exempt amount in /- Step 3 The exit costs are calculated over 24, Step 4 Total of the monthly amounts based on the interest of 5.2% you would 5, have to pay us until the end of your fixed interest period, 56 months dagen and 10 aan days ons zou Step 5 Total of the monthly amounts you would pay us based on the 4,25500 comparison interest rate of 3.7% die u tot het56 aanden en 10 dagen aan Step 6 The difference we no longer receive because the current interest payable 1, by you is lower than the interest you pay now Step 7 Payable exit costs 1, Example 2: Redemption loan (component) with a higher comparison interest rate Step 1 You wish to repay additionally 25, Step 2 You have exemption to repay annually without exit costs 5, Used from your exemption in , Your remaining exemption in /- Step 3 The exit costs are calculated over 24, Step 4 Total of the monthly amounts based on the interest rate of 5.2% which 5, het you would have to pay us until the end of your fixed interest period anden 56 months en 10 and dagen 10 days,1an ons zou Step 5 Total of the monthly amount based on the comparison interest rate of 5.7 % which you would pay us until the end of your fixed interest period of 56 months and 10 days Step 6 We difference we do not receive because the current interest rate payable 0.00 by you is lower than the interest you pay now Step 7 Payable exit costs 0.00

17 Interest proposal NlBC Direct Hypotheek Step 1 You wish to repay additionally 25, Step 2 You have exemption to repay annually without exit costs 5, Used of your exemption in , Your remaining exemption in /- Step 3 The exit costs are calculated over 24,00.00 Step 4 Total of the monthly amounts based on the interest of 5.2% which you 5, would have to pay us until the end of your fixed interest period of 56 Step 5 Months and 10 days Total of the monthly amounts based on the comparison interest of 5.2% 5, which you would pay us until the end of your fixed interest period of 56 months and 10 days Step 6 The difference we do not receive because the current interest payable by you 0.00 Step 7 is lower than the interest you pay now Payable exit costs 0.00

18 Number. Date: 26 October 20 J 8 Interest proposal NJBC Direct Hypotheek 12. Non-compliance with the obligations associated with the credit: consequences for the borrower If you do not timely pay the interest, amortisations and/or insurance fees, or do not comply with the additional obligations as mentioned under the heading Additional obligations, as well as the obligations flowing from the general conditions applicable to the credit, this may result in you: -owing interest for late payment and - having to repay the credit at once, including default interest for late payment. If you do not comply with this, the lender may proceed with the forced sale of your collateral. In addition, there is a risk of the foreclosure sale not generating sufficiently to settle the amount owed to the lender, so that you would end up with a residual debt. Do you have or expect to have issues with the payment of your monthly mortgage charges? Please contact us as soon as possible. Then we will be able to sort out together what solutions are available. Are you no longer able to pay the mortgage costs? And have we requisitioned the loan? As a final resort, your home may be sold. We may also do so through a public auction.. Our lender is monitored by: De Nederlandsche Bank (DNB), information for consumers ; Autoriteit Financiële Markten (AFM), for consumers; This credit intermediary is monitored by: - Autoriteit Financiële Markten (AFM), for consumers;

19 Interest proposal NIBC Direct Hypotheek Explanation terms interest proposal and ESIS Interest proposal term ESIS term Explanation Nominal Interest Interest Nominal Interest is the annual interest you pay without taking into account the additional costs and the moments of payment. Lender Lender The entity providing the monetary loan, Loan Credit Monetary loan, in this case your mortgage Economic maturity Maturity of the credit Total effective time of your loan based on the loan component with the longest duration Acceptance Reflection period In case you wish to make use of the interest proposal, you must accept it before the date indicated in the interest proposal. This is also referred to as the reflection period. Financial advisor Credit intermediary In your case, you must have accepted this interest proposal before 16 November 2018 renteaanbod This is the person/. the company through which you have requested the interest proposal Market value Value collateral This is the value of the home if it can be sold freely on the market. In this situation, we call the home collateral ESIS European Standardised Information Sheet This document reviews the content and structure of the current interest proposal and must make sure that all relevant information is stated in a clear and understandable manner. You as a consumer have the possibility through a uniform ESIS to compare credit products from various providers nationally and internationally Annual Cost Percentage (ACP) Illustration redemption table How much do you pay for your loan? The Annual Cost Percentage (ACP) consists of the total costs of the mortgage loan and is expressed as a percentage on annual basis of the total credit amount. You can use the ACP to compare various credit proposals. Covered by the total costs of credit are all costs (known to us) which are related to the credit. For example costs for a home insurance and/or life insurance, appraisal costs, costs of structural inspection, safety deposit procurement NHG Table which is supplied with a mortgage advice and which states how amortisation will take place during the period of the maturity of the mortgage, It also states how the capital at maturity is structured over the course of the duration. This table is provided in case: (]) it regards a credit mortgage (2) the interest is fully/partially added to the loan (3) the fixed interest period is equal to the duration of the component Haven t you received this calculation? Ask for it from your financial advisor. Validity After acceptance, the information in this interest proposal remains valid until the date indicated in the interest proposal. That means that you can conclude your mortgage on the basis of this interest proposal until that date. In your case, this interest proposal is valid until: 23 February 2019