RESIDENTIAL FULL DOC

Products Clean, Defaults, Discharged, Arrears RESIDENTIAL FULL DOC 2-30 years Impaired from 3.99% Application Fee From 0.75% Nil to 0.10 trail Residential block of land Lo & Full Doc 1-30 years / Full Doc from 4.27% & Lo Doc from 4.67% 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 Weekly, Fortnightly, Monthly From 1% (Application fee flexible but will directly affect you commission) Max LVR Up to 80% Clear or specialist Full Doc Up to 90% Lo Doc Up to 80% Security Residential Residential Land Documents Required Loan Amounts Last two years tax returns Last two pay slips Self Declaration/Accountants Letter $100K - $5.0M Self income declaration with Accountants sign off, or 12 months BAS statements apply, payslips Full Doc - $150K-$1.5M Lo Doc - $up to $2.5M Clawbacks Case by Case upon application Case by Case upon application Other Fees Legal from $550 + Disbursements Valuation Fee $305, Monthly $15 Legal $440 + Disbursements, Annual Fee $375, Valuation Fee $220, ERF Nil Nil Loan Purposes Non-Code/Code Non-Code/Code Risk Fee Yes, Risk fee from Nil to 2.5% Case by Case upon application Paid or unpaid defaults considered >$1000 > 24 month paid/unpaid Discharged Bankrupt considered Cash out Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) for below 80% Paramount Mortgage Services Pty Ltd ACL # 392788 Page 1 of 7 Updated: May 2018

RESIDENTIAL LOW DOC Products Clean Credit Defaults, Arrears & Discharged Platinum (Cash Out) Securitised 1-30 years / from 4.67% 2-30 years / Clear from 4.99% & Impaired from 6.20% for 80%LVR Jumbo Paid Defaults, Bankrupt Considered 1-12 months / from 5.79 pa see loan amounts Application Fee From 1% of loan amount 1-2.25% 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 Up to 85% Up to 80% Security Residential Residential Residential Documents Required Loan Amounts Self income declaration with Accountants sign off or 12 months BAS statements apply <=65% up to $5M 65-75% up to $2.5M 75-80% Up to $1.5M >80% Up to $1M Self income declaration with Accountants sign off, or 12 months BAS statements apply $100K - $2M Clawbacks Case by Case or nil after24 months 100% within 12 months No Other Fees Legal $550 + disbursements, $15 per month, Val from $305 Legal from $550 + Disbursements, $15 per month, Val from $305 ERF Nil Nil Nil >65% - Loan up to $5M POA <=75% - Loan up to $2.5M from 4.69-7.69% >80% - Loan up to $1Mfrom 7.69% Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements <65% $5M <=75% $2.5M >80% $1.5M Quoted Individually Loan Purposes Code & Non-Code Non-Code Code & Non-Code Risk Fee Case by Case Basis Nil Case by Case Basis - unlimited cash Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) for below 80% Dafaults> 12 months accepted-paid or unpaided 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 7 Updated: May 2018

RURAL LAND BANK CAVEAT LENDING Products Residential & Vacant Land Commercial Commercial & Residential Securitised With or without Valuations Up to 12 months for short term & up to 20 years full term / from 6.79-9.15%pa 3months to 3 years / 7.75-15%p.a. depending on location & LVR 1-6 months / from 2% (non coded) -4% (coded) per month Advised upon application Application Fee From 1-3% + GST of loan amount From 1.0%- 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 Repayment Weekly, Fortnightly, Monthly Monthly & Quarterly Weekly, Monthly Max LVR 50-60% capped for vacant and up to 75% for land & dwelling (depending on location, size, & if there is a permanent water services) 50-65% 75% Principle, Principle & Interest & Capitalised Interest Security Rural Land with dwelling Land Bank Residential & or Commercial Documents Loan Amounts $100K - $3M Self employed: Accountants Letter & Tax Returns PAYG: 2 payslips & Employment Letter Accountant Statements, P&L, A&L, BAS, Contract for Sale/Lease, 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 $10M 2 nd Mortgage up to $10M Other Fees Quoted Individually Quoted Individually Quoted Individually ERF From nil 3 months From nil 3 months From nil 3 months Loan Purposes Non-Code Non-Code Non-Code / Coded Risk Fee No Quoted Individually No Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) for below 80% Acreage Up to 100 acres from 6.79%, Unlimited Acreage from 8.25% Require clear exit strategy Require subdivision &sale /or Subdivision, construction & sale. Defaults considered case by case Explanation of caveat requirement Exit strategy is required Can be for personal, or business/commercial Paramount Mortgage Services Pty Ltd ACL # 392788 Page 3 of 7 Updated: May 2018

COMMERCIAL - MAINSTREAM LENDERS Products Lo Doc 70% Full Doc Up to 75% Max 5 years for Investment & max 30years for Owner Occupier / from 6.99% Up to 30 years / from 6.05% Application Fee From 1.25-1.75% + GST of loan amount From 1.25-2.5% + 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 Up to $5M Up to 75% Security Commercial Commercial Tax Returns Proof of Income Self employed - Income Dec& Accountants sign off Proof Of Income PAYG 2 payslips, 2yrs tax NOA, 2 yrs tax returns Loan Amounts 70% 100K to $3M Clawbacks Nil Nil Other Fees Quoted Individually Quoted Individually ERF From nil 3 months From nil 3 months Loan Purposes Non-Code& Code Non-Code Risk Fee No No -Self Dec only up to 2 million Proof of Income Self employed Tax Portal at 75%, 2yrs tax NOA, 2 yrs tax returns Paramount Mortgage Services Pty Ltd ACL # 392788 Page 4 of 7 Updated: May 2018

Products COMMERCIAL - PRIVATE LENDERS Lo & Full Doc Jumbo, Cash Out up to $10M Lo Doc & Full Doc Specialised Securities (brothels,petrol stations, working farms,) 12 Months / from 7.95-9.25% 12-24 months renewable / from 7.25-11.95 pa Trail upon application 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 65-70% 60% Security Commercial Commercial Tax Returns Loan Amounts $100 - $10M Proof of Income (Case by Case) may request Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Clawbacks Nil Nil Other Fees Quoted Individually Quoted Individually ERF From nil 3 months From nil 3 months Loan Purposes Non-Code Non-Code Risk Fee 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) Bankrupts considered (Brothels, petrol stations, serviced apartments, student accommodation, working farms) Paramount Mortgage Services Pty Ltd ACL # 392788 Page 5 of 7 Updated: May 2018

Products Commercial Construction Loan Up to $5M With or Without Presales CONSTRUCTION Commercial Construction Loan Over $5M With or Without Presales Securitised 1-2 years / from 8.00-10.35%p.a. From 0.50% Upfront of Loan Amount/ Nil Trail 12-18 months (or duration of construction period)/ from 9.50-13.50% p.a. From 0.50% Upfront of Loan Amount / Nil Trail 30 years / from7.29% Nil Trail Residential Construction Loan Lo & Full Doc Establishment Fee From 1.25% to 2% + gst of loan amount From 1-3% of loan amount + GST From 1.25 + GST of loan amount P&I or I/O Fixed Interest with no repayment of capital or Principle & Interest Capitalised or Prepaid Interest Only Interest Only & Principle & Interest Repayment Weekly, Monthly & Quarterly Weekly, Monthly & Quarterly Weekly, Fortnightly or monthly Max LVR 65-70% of GRV 65-70% case by case Up to 75% Security Residential, Commercial, Industrial Residential, Commercial, Industrial Residential or private use or investment Documents Contract for Sale/Lease, Current Mortgage Statements, Current Valuation, Feasibility, Any details of pre-sales, Exit Strategy P&L, A&L, Contract for Sale/Lease, Current Mortgage Statements, Current Valuation, Feasibility, Any details of pre-sales, Exit Strategy Loan Amounts $200-$5M $300K to $50M Up to $2million Other Fees Quoted Individually Quoted Individually Quoted Individually ERF From nil 3 months From nil 3 months From nil 3 months Loan Purposes Non-Code Non-Code Risk Free No No No 1st Registered Mortgage Only Require clear exit strategy Pre-sales may be required Case by case upon scenario consideration Owner Builder or Licensed Builder 1st Registered Mortgage Only Require clear exit strategy Pre-sales may be required Case by case upon scenario consideration Licensed Builder 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 Owner Builder or Licensed Builder Paramount Mortgage Services Pty Ltd ACL # 392788 Page 6 of 7 Updated: May 2018

Products Residential Established Properties House & Land Properties Up to 3 years / From 6.99% - 7.99% Up to 3 years/ House & Land from 8.29% - 10.75% Nil Trail Nil Trail Application/Estab Fee From 1.5% of loan amount + GST From 1.5% of loan amount + GST P&I or I/O Interest Only Interest Only Repayment Monthly Monthly Max LVR 75% 70% Security Document Requirements Residential metro areas only in Sydney, Melbourne & Brisbane ID Documents 1 Application Form 2 Passport 3National Identity Card 4 Proof of Mailing Address Documents for Established Properties 5 Proof of Signed Purchase Contract 6 Copy of FIRB Approval or Developer New DwellingExempt Cert Documents for House & Land Packages 7 Proof of Signed Building Contact 8 Copy of FIRB Approval or Developer New DwellingExempt Cert 9Copy of Building Approval 10 Copy of Approved Building Plans Retention- sufficient funds to be retained to complete construction of dwelling Documents for Salary Clients 11Latest 3 pay slips 12 Latest 3 months bank statements showing salary statements 13 Employment Contract / Letter Documents for Self Employed Clients 14 Latest 24 months financials 15 6 Months bank statements All Documents to be NAATI Translated** Loan Amounts Min $200,000 - Max $5,000,000 Minimum $200,000 & Maximum $2,000,000 Valuation Fee / Legal s From $305 From $305 Clear credit history only ( noting that minimal applicants would have an Australian record) Clear credit history only ( noting that minimal applicants would have an Australian record) Paramount Mortgage Services Pty Ltd ACL # 392788 Page 7 of 7 Updated: May 2018