RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit

RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit 2-30 years / Clear from 4.69% & Impaired from 5.69% Nil to 0.10 trail Land Only Lo & Full Doc 1-30 years / from 4.30% 1-30 years / Full Doc from 4.3% & Lo Doc from 4.7% Nil to 0.10 trail Application Fee $990-$1900 $595.00 inc one Valuation Nil to 0.10% trail $595.00 Incl valuation + 1%-2% (Application fee flexible but will directly affect you commission) P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Max LVR >80% >80% & <=80% Full Doc Up to 95% Lo Doc Up to 80% Security Residential Residential Residential Land Tax Returns No No Loan Amounts $100K - $1.5M >80% up to $1M <=80% up to $2.5M Clawbacks 100% within 12 months No No Other Fees Legal $1400-1800, Discharge Upon App, Valuation Fee $550, Monthly $15 Legal $275, Ongoing $395, Valuation Fee $220 (for 2 nd valuation) Loan Purposes Non-Code Code Code Risk Free Yes, Risk fee No No Discharged Bankrupt considered No LMI Owner Occupier / Investor Owner Builder Vacant Land Construction100% Offset Self income declaration with Accountants sign off, or 12 months BAS statements apply, payslips Full Doc - $150K-$1.5M Lo Doc - $150-$600K Legal $275, Ongoing$395, Valuation Fee $220, Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) No LMI for below 80% Paramount Mortgage Services Pty Ltd ACL # 392788 Page 1 of 9 Updated: Aug 25 2016

RESIDENTIAL LOW DOC Products No BAS, Business Banking Statements Defaults, Arrears & Discharged Type Securitised (Land & Construction) Securitised Platinum (Cash Out) Securitised 1-30 years / from 4.7% Nil trail 2-30 years / Clear from 5.69% & Impaired from 5.80% Nil to 0.10% trail Jumbo Paid Defaults, Bankrupt Considered 1-12 months / from 6.80% pa Nil to 0.10% trail Application Fee $595 inc one valuation + 1% of loan amount $990-$1900 + 1% of loan amount From 1.25% of loan amount P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Max LVR >70% & <=70% 75-80% >65% <=75% >80% Security Residential Residential Residential Tax Returns Loan Amounts Self income declaration with Accountants sign off, or 12 months BAS statements apply >70% up to $1M <=70% up to $1.5M Self income declaration with Accountants sign off, or 12 months BAS statements apply $100 - $1.5M Clawbacks Nil 100% within 12 months No Other Fees Legal $275, Ongoing $395, Valuation Fee $220 (for 2 nd valuation) Legal $1400-1800, Discharge Upon App, Valuation Fee $550, Monthly $15 Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements >65% $3M <=75% $1.5M >80% $1M Quoted Individually Loan Purposes Code Non-Code Code & Non-Code Risk Free No Yes, Risk fee No Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) No LMI for below 80% Dafaults > 12 months accepted Up to 2 months arrears ATO debt, working capital Cash Out ATO Debts Small paid defaults considered Bankrupts considered Paramount Mortgage Services Pty Ltd ACL # 392788 Page 2 of 9 Updated: Aug 25 2016

RESIDENTIAL PURCHASE/REFINANCE ABN 6,12,24 Months Products 6 Month ABN 12 Month ABN 24 Month ABN 30 years / Clear from 6.09% 30 years / from 5.99% 1-30 years / from 4.09% From 0.60% Upfront of Loan Amount/ Nil Trail - 0.10% Trail From 0.60% Upfront of Loan Amount / Nil Trail - 0.10% Trail From 0.60% Upfront of Loan Amount / Nil Trail - 0.10% Trail Application Fee $699.00 + 0.6% of loan amount $699 + 0.6% of loan amount $699 + 0.6% of loan amount P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Max LVR 80-85% 90% 80% Security Residential Residential Residential Documents 6 Months GST Registered 6 Months BAS Statements 3 Months Business Banking Statements GST Registered Accountants Letter; or 6 Months BAS Statements or 3 Months Business Banking Statements Loan Amounts Up to $1.25M Up to $1.5M Up to $1.5M Clawbacks No No No Other Fees Legal $275, Discharge Upon App, Valuation Fee $250 at conditional approval Legal $275, Discharge Upon App, Valuation Fee $250 at conditional approval Loan Purposes Code Code Code Risk Fee Yes Yee Yee Mortgage Arrears less than 3 Veda Listings 2 or less Bankrupt discharged + 1 year Max LVR 80% for Owner Occupier ABN Registered 6 months Mortgage Arrears less than 1 Veda Listings not considered Bankrupt discharged + 2 year Max LVR 80% for Owner Occupier ABN Registered 12 months GST Registered Full Doc: 2 Years full business & Personal Tax Returns or; Lo Doc: Accountant Declaration & Self Declaration Legal $275, Discharge Upon App, Valuation Fee $250 at conditional approval Mortgage Arrears less than 1-3 Veda Listings 2 or less Bankrupt discharged 1-2 year Max LVR 80% for Owner Occupier ABN Registered 24 months Paramount Mortgage Services Pty Ltd ACL # 392788 Page 3 of 9 Updated: Aug 25 2016

RURAL LAND BANK CAVEAT LENDING Products Residential & Vacant Land Commercial Commercial & Residential Up to 24months for short term & up to 20 years full term / from 6.69-10%pa Nil trail 3months to 3 years / 8.5-15% p.a. depending on location & LVR Nil trail 1-6 months / from 2-4% per month Advised upon application Application Fee From 1-3% + GST of loan amount From 1.5%- 3% + GST From 1.50% + GST of loan amount P&I or I/O P&I or I/O for max 1-5 years Interest Only, Principle & Interest, Capitalised Interest, Pre-Paid Interest Principle, Principle & Interest & Capitalised Interest Repayment Weekly, Fortnightly, Monthly Monthly & Quarterly Weekly, Monthly Max LVR 50-70% depending on location, size, & if there is a permanent water source 50-60% 75% Security Rural Land with or without dwelling Land Bank Residential & or Commercial Documents Loan Amounts $100K - $3M Self income declaration with Accountants sign off, or 12 months BAS statements apply, payslips ATO Statements, Accountant Statements, P&L, A&L, BAS, Contract for Sale/Lease, Turnover Statements, Tax Declarations, Current Mortgage Statements, Current Valuation, Feasibility, Any details of pre-sales, Exit Strategy, Details of Land Subdivision, lot sizes, pre-sales, expected sale price etc Min $200K to Max $40,000,000 (* Can lend against DA Value) Clawbacks Case by case Case by Case No Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements 1 st Mortgage up to $5M 2 nd Mortgage up to $2.5M Other Fees Quoted Individually Quoted Individually Quoted Individually Loan Purposes Non-Code Non-Code Non-Code Risk Fee No Quoted Individually No Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) No LMI for below 80% Require clear exit strategy Require subdivision &sale /or Subdivision, construction & sale. Defaults considered case by case Explanation of caveat requirement Exit strategy is required Paramount Mortgage Services Pty Ltd ACL # 392788 Page 4 of 9 Updated: Aug 25 2016

Products Residential Short Term Full & Lo Doc 2 ND MORTGAGE Type Securitised Securitised Commercial Loan 1-12 months / from 14-24% pa 1 Month to 5 years / 17-24% per annum No Trail Trail Advised upon application Application Fee From 2% of loan amount From 1.5-2.5% of loan amount P&I or I/O Repayment Interest Only Prepaid Interest, Fixed Interest, Capitalised, Paid in advance, Paid in arrears Max LVR 70-80% 70-75% Security Residential Commercial Tax Returns Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Loan Amounts $25K - $250K, up to $500K $50K to $20M Clawbacks Nil Nil Principle Only, Interest Only, Principle & Interest, Prepaid, Capitalised Interest Options may include: Paid in Advance or Paid monthly in advance or arrears Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Other Fees Commitment & legal fees upon application Commitment & legal fees upon application ERF 1-3 months Nil Loan Purposes Code Non-Code Risk Free Nil Nil Owner occupied / Investment Rural Residential considered Clean credit with minor impairments Need strong exit strategy Do not lend to Directors or Shareholders of the company, some lenders do not lend to individuals. Some restrictions may apply to the location of the security i.e. city population at least 10,000 Paramount Mortgage Services Pty Ltd ACL # 392788 Page 5 of 9 Updated: Aug 25 2016

COMMERCIAL - MAINSTREAM LENDERS Products Lo Doc 70% Full Doc Up to 75% Type Securitised Securitised Max 5 years for Investment & max 30years for Owner Occupier / from 7.19% Nil to 0.10% trail Up to 30 years / from 6.30% Nil to 0.10% trail Application Fee From 1.25-1.75% + GST of loan amount From 1.25-1.75% + GST of loan amount P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Fortnightly, Monthly, Quarterly Max LVR <65% $5M 65% $1.5M 70% $2.0M Up to 75% Security Commercial Commercial Tax Returns Loan Amounts Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements <65% $5M 65% $1.5M 70% $2.0M Clawbacks Nil Nil Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Up to $30M Other Fees Quoted Individually Quoted Individually ERF No No Loan Purposes Non-Code Non-Code Risk Free No No No LMI No LMI Paramount Mortgage Services Pty Ltd ACL # 392788 Page 6 of 9 Updated: Aug 25 2016

Products COMMERCIAL - PRIVATE LENDERS Lo & Full Doc Jumbo, Cash Out up to $10M Type Securitised Securitised Lo Doc & Full Doc Specialised Securities 12 Months / from 7.25-9.25% 12-24 months renewable / from 7.25-11.95 pa Trail upon application Nil trail Application Fee From 1.0-2.0% + GST of loan amount From 1.00% + GST of loan amount P&I or I/O Interest Only, Pre-Paid Interest & Capitalised I/O paid monthly in arrears Repayment Weekly, Fortnightly, Monthly Monthly Max LVR 66-70% 60% Security Commercial Commercial Tax Returns Loan Amounts $100 - $10M Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Clawbacks Nil Nil Other Fees Quoted Individually Quoted Individually ERF No No Loan Purposes Non-Code Non-Code Risk Free No No Dafaults > 12 months accepted Up to 2 months arrears ATO debt, working capital Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements 1st Mortgages from $150,000 to $5M 2nd Mortgages from $150,000 to $400,000 (higher amounts considered) No LMI Bankrupts considered Paramount Mortgage Services Pty Ltd ACL # 392788 Page 7 of 9 Updated: Aug 25 2016

Products Up to $5M Commercial Construction Loan With or Without Presales CONSTRUCTION Over $5M Commercial Construction Loan With or Without Presales Establishment Fee P&I or I/O 1-2 years / from 8.99-10.35%p.a. From 0.50% Upfront of Loan Amount/ Nil Trail From 1.25% to 1.5% + gst of loan amount Fixed Interest with no repayment of capital or Principle & Interest 12-18 months (or duration of construction period)/ from 10-13% p.a. From 0.50% Upfront of Loan Amount / Nil Trail From 1.5-3% of loan amount + GST Capitalised or Prepaid Interest Only 30 years / from 7.5% Nil Trail Residential Construction Loan Lo & Full Doc From 1.25 + GST of loan amount Interest Only & Principle & Interest Repayment Weekly, Monthly & Quarterly Weekly, Monthly & Quarterly Weekly, Fortnightly or monthly Max LVR 65-70% 66-70% Up to 75% Security Residential, Commercial, Industrial Residential, Commercial, Industrial Residential or private use or investment Documents ATO Statements, Accountant Statements, P&L, A&L, BAS, Contract for Sale/Lease, Turnover Statements, Tax Declarations, Current Mortgage Statements, Current Valuation, Feasibility, Any details of pre-sales, Exit Strategy ATO Statements, Accountant Statements, P&L, A&L, BAS, Contract for Sale/Lease, Turnover Statements, Tax Declarations, Current Mortgage Statements, Current Valuation, Feasibility, Any details of presales, Exit Strategy Loan Amounts $200-$5M $300K to $40M Up to $750,000 Other Fees Quoted Individually Quoted Individually Quoted Individually Loan Purposes Non-Code Non-Code Risk Free No No No 1st Registered Mortgage Only Require clear exit strategy 1st Registered Mortgage Only Require clear exit strategy Lo Doc: Accountant letter, trading statement, BAS Full Doc: 6 months land loan statements, 6 months bank statements/credit card statements Code & Non-code Construction of single residential dwelling (Personal or Investment Purposes) PAYG or self employed borrowers Clean credit, minor impairments may be considered Paramount Mortgage Services Pty Ltd ACL # 392788 Page 8 of 9 Updated: Aug 25 2016

Self Managed Super Funds Products Commercial 70% & Residential 60-70% Commercial 70-75% Residential 80% Commercial up to 25 years / 7.19% Residential 20-30years /6.59%-7.49%* (* Varies for existing purchase /off plan) Up to 30 years / from 6.25% 15-30 years / 4.89% Nil trail 0.25% Trail From 0.60% Upfront / Nil Trail Application Fee Commercial 0.75-1.5% +GST of loan amount Residential 1.25-1.75% +GST of loan amount 1% of loan amount + GST or a minimum of $5000 + GST $599-$699 (Settlement Fee) P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Monthly Monthly Monthly Max LVR Commercial 70% Residential 70-75% 70% - Principle & Interest 6.75% 75% - Interest Only up to 5 years 6.75% Security Commercial/Residential (No Owner Occ) Commercial Residential Document Requirements Loan Amounts 1 Original or certified copy of SMSF Trust Deed 2 SMSF bank account statement 3 Amendment Deed (if applicable) 4 Original or certified Security (Bare) Trust Deed 5 Contract of Sale 6 Proof of earnings & contribution in SMSF Account Commercial up to $2M Residential from $100,000 to $1M 80% 7 Tax return SMSF Assessment Notice Last 2 years 8 Annual Report (Portal Report) 9 Evidence or Appraisal for rental income 10 If refinance evidence of payment conduct 11 Signed financial advisor declaration Up to $3M $100,000 - $500,000 Clawbacks /ERF Upon Application Nil Nil Origination Fee 1% of loan amount + GST paid at settlement from settlement funds 1% of loan amount + GST or a minimum of $5000 + GST Loan Purposes Non-Code Non-Code Non-Code Risk Free No No No Can be off plan purchase Dwelling to be new or up to 3 years old New SMSF with rollover of $100,000 Premise must be in a city with a population greater than 5000 Premise can 70% be owner occupied 1% of loan amount + GST paid at settlement from settlement funds Must be 12month+ old property. Will not accept purchase from developer. 10% liquid asset of the loan amount after settlement. New SMSF with rollover of $150,000. Paramount Mortgage Services Pty Ltd ACL # 392788 Page 9 of 9 Updated: Aug 25 2016