Product Matrix WHAT S NEW? SOLUTIONS FOR PRODUCTS

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1 Product Matrix Bluestone is committed to helping you assist your customers by saying yes when traditional lenders say no. SOLUTIONS FOR Self-employed & PAYG Business Start-ups Business Expansion ATO debt Defaults and Mortgage Arrears Discharged Bankrupts Debt Consolidation PRODUCTS Our products are flexible to suit the varied needs of your clients. Clean Slate Lite Blue Business Easy Crystal Blue WHAT S NEW? Line of Credit (LOC) Reduced Self Employed documentation (Clean Slate) New approach to Part IX & X debt agreements Fixed interest rates available across all products CALL 13BLUE bluestone.com.au SPECIALIST LENDING EXPERTS Effective for applications received from 10 February 2017 Warning: This publication is intended for Bluestone accredited introducers and referrers only and is not to be distributed to anyone else, including consumers, under any circumstance.

2 Application Process 4 Easy steps 1 SELECT THE RIGHT PRODUCT Crystal Blue Lite Blue Business Easy Clean Slate - self-employed borrowers with an ABN registered for more than 24 months and PAYG borrowers, with clear credit. - self-employed income with ABN registered for at least 12 months - self-employed income with ABN registered for more than 3 months - fully-verified income for PAYG and 1 years tax returns for self-employed borrowers 2 IDENT IFY APPL ICANTS CREDIT IMPAIRMENT LEVEL - not applicable to Crystal Blue Credit impairment level Defaults - number of judgements, writs & summons* NEW Mortgage or rent arrears (mths) Part IX & X ** Bankruptcy Clear None < 1 Discharged None AAA 1 < 2 > 12 months > 3 years AA 2 < months > 2 years A 3-4 < months > 1 year BBB No Limit*** 4 or more < 3 months Discharged within last year * >24 months ignored, <$1,000 ignored ** Up to date on all payments specified in arrangement *** Subject to Bluestone lending criteria Line of credit is not available 3 CONF IRM ACCEPTABLE SECURITY LOCAT ION Check online, over the phone or by contacting your BDM direct. 13BLUE (2583) 4 SUBMIT APPLICATION After gathering all required supporting documentation new loan applications can be submitted: Via your Aggregator - Direct to Bluestone - Loans can be submitted via your aggregator software / Apply Online Alternatively applications can be submitted direct to us via lending@bluestone.com.au Loan application forms and checklists are available from your aggregator software or by visiting bluestone.com.au 2 Product Matrix

3 Product Overview CRYSTAL BLUE - Clear credit applicants Our Crystal Blue product is designed for self-employed (ABN > 24 months) and PAYG borrowers with a clear credit history who require a flexible solution. Borrower Type MAXIMUM LVR <60 <65 <70 <75 <80 <85 PAYG & Self-Employed Fully verified 5.44% 5.49% 5.59% 5.74% 5.89% 6.74% Self-Employed Alt-Doc 5.59% 5.64% 5.74% 5.89% 6.04% 6.99% LITE BLUE - Self-employed applicants >12 month ABN Our Lite Blue product is designed for individuals, companies and trusts who have had an ABN registered for 12 months or more where income is supported by bank statements or BAS showing regular trading income or Accountant s letter. Credit Impairment Level MAXIMUM LVR <60 <65 <70 <75 <80 <85 CLEAR 6.04% 6.19% 6.29% 6.69% 7.39% 8.99% AAA 6.24% 6.34% 6.54% 7.14% 7.94% 9.19% AA 6.34% 6.49% 6.64% 7.29% 8.09% A 6.49% 6.79% 7.14% 7.74% 8.89% BBB 7.29% 7.74% 8.29% 9.34% BUSINESS EASY - Start-up. Self-employed applicants Our Business Easy product is designed for individuals, companies and trusts who have been trading for less than 12 months where income is supported by bank statements showing regular trading income. Credit Impairment Level MAXIMUM LVR <60 <65 <70 <75 <80 <85 Clear 6.54% 6.79% 7.04% 7.49% 7.99% AAA 6.99% 7.49% 7.99% 8.54% 9.49% AA 7.19% 7.69% 8.19% 8.94% A 7.39% 7.89% 8.44% BBB 8.39% 9.29% 3 MONTH ABN CLEAN SLATE - Fully-verified applicants Our Clean Slate product is designed for PAYG, self-employed, companies and trusts where income is supported by the evidence of payslips, full financials or tax assessment notices. Credit Impairment Level FEES & CHARGES* MAXIMUM LVR <60 <65 <70 <75 <80 <85 CLEAR 5.79% 5.84% 5.94% 6.14% 6.94% 8.34% AAA 6.09% 6.14% 6.24% 6.69% 7.39% 8.54% AA 6.19% 6.29% 6.34% 6.84% 7.54% A 6.49% 6.59% 6.84% 7.09% 8.34% BBB 7.14% 7.54% 7.99% 8.89% LVR up to 85% owner occupied, 80% investment (75% interest only) Fixed interest rates are available at the same rate as variable across all products LVR <60% <65% <70% <75% <80% <85% Risk Fee - Crystal Blue 0.75% 0.75% 0.75% 1.00% 1.25% 1.25% Risk Fee - Clean Slate/Lite Blue 0.75% 1.00% 1.25% 1.50% 1.75% 2.00% Risk Fee - Business Easy 1.50% 1.75% 2.00% 2.25% 2.50% N/A Loan Settlement Fee - $120 Legal fees - from $400 Establishment Fee - $990 Title Insurance Fee - From $350 LOADINGS Line of Credit (LOC) +0.50% LOC - Investment +0.90% Investment Loading +0.25% *Other fees and charges may apply. Product Matrix 3

4 Our Customers Bluestone s loans are designed to be more flexible than those of traditional lenders. Our customers come from all walks of life and we aim to serve a broader and more representative cross-section of the community than many other lenders. This diversity includes: successful business people raising working capital to expand their current ventures, entrepreneurs in the early stages of starting a business, contractors working on a variety of short-term projects, people who are consolidating credit cards/store cards to reduce their monthly repayments, borrowers with credit problems looking to put them in their past, property investors raising funds to purchase another property, recent divorcees funding the division of their assets, recent arrivals to the country. Many of our customers are self-employed, and we understand the difficulties facing small business operators, both in terms of managing cash flow within a business, and in demonstrating serviceability when it comes to applying for a loan. Some of our customers have had credit problems, and to them, we aim to offer an open mind and an understanding approach. POINTS OF DIFFERENCE No credit scoring or LMI* Accept other lenders application forms All pensions (excluding Newstart) accepted Defaults < $1000 ignored Only 3 month ABN required for Business Easy Line Of Credit Fixed rates *Risk fee applies SOLUTIONS FOR Startup/business expansion capital (secured by residential property) Cash out options for business and personal purposes Payout of ATO debt Payout of other non-conforming lenders, private and/or solicitor finance Residential & lifestyle security up to 5 acres 4 Product Matrix

5 Bluestone Product Guide Consult your Bluestone BDM or the Broker Assist team for information regarding your specific scenario. Consult your Bluestone BDM or the Broker Assist team for information regarding your specific scenario. All deals are considered on a case by case basis and approval is subject to Bluestone lending criteria. Full-time, part-time and contract employment CLEAN SLATE, LITE BLUE, BUSINESS EASY Yes CRYSTAL BLUE Probation and Overtime Income Yes Yes Family assistance A+B, other centrelink and pension income (ex. Newstart) Child maintenance Yes Yes Rental income 80% of gross rent 80% of gross rent ABN Yes Clean Slate - 24 months Lite Blue - 12 months Business Easy - 3 months Yes Yes 24 months GST registered 1 day 1 day Acceptable income evidence - PAYG Last 2 payslips and 3 mths bank statements Last 2 payslips and 3 mths bank statements Acceptable income evidence - Self-employed Clean Slate - 1 years tax returns/noa and 6 mths business and 3 mths personal bank statements Lite Blue - 6 mths BAS or business bank statements or Accountant s letter and 3 months personal statements Business Easy - 3 mths business and 3 mths personal bank statements 2 years tax returns/noa and 6 mths business and 3 mths personal bank statements or 12 mths BAS, 6 mths business and 3 mths personal bank statements Genuine savings evidence Not required 5% of Purchase Price Refinance mortgage and other debt statements Mortgages last 6 mths/others 1 mths Mortgages and Personal Loans - 6 mths Credit Cards - 3 mths Debt consolidation including business Yes Yes Arrears, late payments and overlimits Unlimited, refer to credit impairment table (pg 2) None Defaults, writs and judgements: >24 mths (paid or unpaid) Ignored <$1000 anytime (paid or unpaid) Ignored Ignored >$1000 and within 24 mths Unlimited, refer to credit impairment table Unlimited, refer to credit impairment table (pg 2) Payout tax debts Yes Yes Payout solicitors/private and other loans Yes Yes (statement evidence required) Discharged bankruptcy From 1 day discharged None Current Part 9 or 10 agreement Yes None Cash out Up to $200,000 dependent on credit impairment level Up to $100,000 Minimum loan amount Min $100,000 Min $100,000 Maximum loan amounts Refer to table (pg 6) Refer to table (page 6) Redraw available Yes Yes Favourable purchases Yes Yes Security type (dwellings only) Residential only Residential only Rural residential and lifestyle security max size NEW Up to 5 acres None None Up to 5 acres Line of Credit Maximum Line of Credit (LOC) $500K $500K Maximum split of total loan 50% (up to 50% of loan can be LOC) 50% (up to 50% of loan can be LOC) Maximum LVR across all facilities 80% 80% LOC/IO Period 5 years 5 years Product Matrix 5

6 Lending Policies MAXIMUM LOAN AMOUNTS Sydney Metro $1.50M Other Metro areas $1.25M Melbourne Metro $1.50M Non-Metro areas $750,000 ACCEPTABLE SECURITIES (population must be 10,000 within 10km) Acceptable Improved land (existing dwellings) Rural residential or lifestyle blocks up to 5 acres (2 hectares) Residential investment property Units in tower blocks up to and including 10 storeys Residential units in tower blocks where the ground floor only has a commercial use. Unacceptable Vacant land Units in tower blocks greater than 10 storeys Property greater than 5 acres (2 hectares) Commercial, industrial or rural zoned Income producing properties (excluding residential investment properties) Third party securities Flood prone areas or those adjoining power lines, railway lines or highways. Company share, native title, company title, stratum title, mining lease, crown lease or leasehold (excluding ACT) Properties where the improvements are valued at less than 10% of the overall property No more than 4 units or 20% (lesser of) in the same development Construction, development or partially completed dwellings Properties in poor condition More than 2 dwellings on a single title Owner builder, exotic construction, re-locatable or kit homes Properties used for or within short term letting (holiday/ resorts). time share, dual key or serviced apartments Properties that once valued do not have at least three acceptable comparable sales or state an extended selling period Studio apartments BLUESTONE CUSTOMER CARE Existing Bluestone borrowers may be offered the opportunity to request a reduction to their current interest rate (variable only). Conditions apply. 6 Product Matrix

7 LIVING EXPENSES Bluestone will use the greater of the borrowers verified expenses and the benchmark figures below to help determine the ability to service a loan. Expenses include but are not limited to food, clothing, utilities, property maintenance and repairs. SINGLE COUPLE No Dependants Each Additional Dependant No Dependants Each Additional Dependant $1,200 $362 $2,353 $362 BORROWER INFORMATION Australian Resident Borrower Age Loan Term Loan Amounts Loan Accounts Number of Borrowers Companies Must be a permanent resident residing in Australia Minimum - 25 years for Investment Properties where income is self certified - 18 years for all other loans Maximum - no limit (subject to independent legal advice) Minimum - 15 years Maximum - 30 years Minimum - $100,000 Maximum - Refer to table (page 6) Maximum of 4 accounts on any 1 loan with minimum amount of $50,000 per account Maximum of 4 borrowers per loan Company structure - Only 1 company per loan - Maximum of 4 directors - Unlimited personal guarantees required from all directors - Shareholders must be directors or spouse of the directors Trusts Family Trust structure - Only 1 trust per loan - Unit or discretionary trusts permissible (no hybrid trusts) OTHER FEE INFORMATION Account Keeping Fee $15 per month on all split accounts Switching/Variation Loan Fee $250 Discharge Fee (plus agents costs) $250 Title Insurance Valuation Fee Capitalisation of Fees up to $750,000 > $750,000 up to $1,000,000 >$1,000,000 - From $350 - Quote Required - Free - Quote Required Fees can be capitalised for all loans, (excluding discharge fees) subject to the loan plus fees not exceeding credit impairment level maximum LVR for each product. Product Matrix 7

8 Contact Details APPLICATION ENQUIRIES: ACCREDITATION: 13BLUE (2583) 13BLUE (2583) Sales NATIONAL Royden D Vaz National Sales Manager Mobile: royden.dvaz@bluestone.com.au NEW SOUTH WALES AND ACT Craig Meale State Manager Mobile: craig.meale@bluestone.com.au VICTORIA AND TASMANIA Ebony Maxwell State Manager Mobile: ebony.maxwell@bluestone.com.au Anusha Haran Mobile: anusha.haran@bluestone.com.au Shamith Kannangara Mobile: shamith.kannangara@bluestone.com.au Belinda Gray Mobile: belinda.gray@bluestone.com.au QUEENSLAND Bill Robb State Manager Mobile: bill.robb@bluestone.com.au Reece Hinchy Mobile: reece.hinchy@bluestone.com.au Jessica Healey Mobile: jessica.healey@bluestone.com.au SOUTH AUSTRALIA AND NT Nicole Salamaga Mobile: nicole.salamaga@bluestone.com.au WESTERN AUSTRALIA Cameron Finnie Mobile: cameron.finnie@bluestone.com.au CALL 13BLUE bluestone.com.au SPECIALIST LENDING EXPERTS Bluestone home loans are serviced by Bluestone Servicing Pty Ltd ACN (Australian Credit Licence No ) on behalf of the Credit Provider, Permanent Custodians Limited ACN Terms and conditions, fees and charges, and Bluestone lending criteria apply. Any interest rate quoted throughout this publication is expressed as a nominal Annual Percentage Rate. The information in this publication, including interest rates, fees and charges, is given in good faith, believed to be accurate at the time of publication and subject to change.