Licensee details outsource financial pty ltd (ACN 131 090 705)

Australian Credit Licence Number 384324

Address 406/19 Roseby St, Drummoyne NSW 2047

Phone 1300 781 481

Email info@outsourcefinancial.com.au

Services we provide - outsource financial is an Australian owned and operated organisation, dedicated to providing the professional services sector and their clients with an integrated range of financial services and products. outsource financial currently has a national network of mortgage specialists to assist clients obtain credit products including home loans, investment loans, personal loans, credit cards & consumer leases

Our panel lenders - We source finance from a panel of financiers. The financiers named below are the six personal loan financiers with which we conduct the most business.

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We will need information from you: Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain, or any lease we help you to enter, is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:

• make reasonable inquiries about your requirements and objectives;
• make reasonable inquiries about your financial situation;
• take reasonable steps to verify that financial situation.

Credit will be unsuitable if at the time of the assessment, it is likely that: you could not pay or could only pay with substantial hardship; the credit will not meet your requirements and objectives. Additionally we must ask you to provide us with a significant amount of accurate information. If we give you credit assistance we must also provide you with a copy of our preliminary credit assessment of your application if you ask within seven years of when we assist you. If we arrange a loan for you remember you must make your own enquiries about the value and future growth of the security property. Also note that any valuation we obtain is for our own use.

Fees payable by you - outsource financial does not charge you for the services it provides. However, our credit representatives sometimes charge fees for their services. More details about the fees payable by you will be documented in the quote. You may also obtain more information from your credit representative about how these fees are worked out. You may also be required to pay a lender’s application fee, valuation fee, government charges and other transaction fees.

Commissions received by us - We may receive commissions from the lenders & lessors who provide finance for you as our customers. These are not fees payable by you. You may obtain from us information about a reasonable estimate of commissions & how commissions are calculated.

Commissions payable by us - Outsource financial and our credit representatives source referrals from a broad range of sources. For example, we may pay fees to call centre companies, real estate agents, accountants, or lawyers for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how they are calculated.

Our internal dispute resolution scheme- At outsource we are committed to the effective handling of complaints and timely resolution of disputes.

Receiving complaints and the complaint process - If you have a complaint or dispute, you have the option of either contacting your mortgage professional or lodging a complaint directly with outsource financial. You can lodge complaints with us by contacting the Complaints Officer by:

Phone: 1300 781 481 Email: info@outsourcefinancial.com.au Address: 406/19 Roseby Street, Drummoyne NSW 2047

• You can also speak with any representative of our business who will refer you to the Complaints Officer. You should explain the details of your complaint as clearly as you can verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly. We will observe the following principles in handling your complaint:
• there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution;
• we expect that both parties will make a genuine attempt to resolve a complaint promptly;
• we expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and reasonably be believed to assist in resolving the complaint;
• we expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.

Timeframes for response - If your request cannot be resolved immediately, we will respond to your request within two (2) business days of receipt of the complaint. We will keep you informed of the progress of the investigation.

Our external dispute resolution scheme - If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is CIO (Credit and Investments Ombudsman). CIO is a free service established to provide you with an independent mechanism to resolve specific complaints.

Phone: 1800 138 422 (free call) or 02 9273 8400 Fax: 02 9273 8440

Email: info@cio.org.au Website: www.cio.org.au

Mail: Credit and Investments Ombudsman Ltd, PO Box A252, South Sydney NSW 1235

More Information - If you have any questions about this credit guide or anything else about our services, just ask at any time. We’re here to help.

Representative Credit Guide

By accepting our credit guide you have appointed

( EasyAs Finance - Peter Said ) as your credit representative in the provision of credit assistance to you.

The information detailed above applies specifically to the credit representative. In addition, the credit representative may receive the whole or part of the commissions & fees referred to above directly or indirectly from us as the representative. You can obtain information from the credit representative about a reasonable estimate of those commissions and how the commission is worked out. The credit representative has access to the financiers listed in the licensee credit guide above.

Fees payable by you

we do not charge you any fee for the credit services because we receive commission from the financier or the licensee. However, you may need to pay the financier’s application fee, valuation fees, and other fees. if you would like to know about how these fees and charges are worked out please ask us and we will provide you with all information you need

Representative’s external dispute resolution scheme: If the credit representative is unable to resolve your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. The external dispute resolution provider is AFCA (Australian Financial Complaints Authority)

Phone: 1800 931 678 Email: info@afca.org.au

Website: www.afca.org.au Mail: GPO Box 3, Melbourne VIC 3001

Privacy Statement & Consent

            In handling your personal information, (EasyAs Finance ) is committed to complying with the Privacy Act 1988 and the Australian Privacy Principles.

How and why we collect your personal information: We collect personal information from you when you apply for or use our products and services. In particular, we collect it so we can: provide you with the products and services you require, which may include financial and insurance products and services; and provide you with information about products and services available to you from PETER SAID and associated businesses.

Providing Your Personal Information to Other Organisations: In providing products and services to you it may be necessary for us to provide your personal information to other organisations with which we conduct business. This includes outsource financial pty ltd (ACN 131 090 705) which is our mortgage aggregator. Other such organisations include related entities, mortgage managers, lenders, solicitors and legal advisers, accountants and auditors, printers & mailing services, insurers, collection agents, conveyancers & government agencies which regulate our products & services. Your personal information is only provided to those entities to the extent necessary to enable us to provide our products & services to you.

Consent to provide your personal information to a credit reporting body (CRB): If you consent to us doing so, we may obtain a report or information about your consumer or commercial credit worthiness from a CRB, we may disclose personal information such as your name, date of birth, drivers licence and address to the CRB to obtain an assessment of whether that personal information matches the information held by it.

If your personal information is not provided: In order to provide products and services to you and to assist you in applying for a home loan and related products and securities, we require information about you. If you do not provide us with all of the information we request we may be unable to supply to you the product or service that you require.

Your rights: The Privacy Act gives you rights to access the personal information we hold about you, & you can ask us to correct the information if it is inaccurate. To access information we hold about you contact us at +61 404 316 960 or outsource financial pty ltd on 1300 781 481

Credit Quote / Proposal – Personal Loans

This document provides information about the fees you have to pay, if any, and the commissions we receive.

Licensee details

Licensee name outsource financial pty ltd ACN 131 090 705

Australian credit licence number 384324 Phone 1300 781 481

Address 406/19 Roseby St, Drummoyne NSW 2047

Email info@outsourcefinancial.com.au

Representative details

Credit representative name PETER SAID

Credit representative number 518962

        Phone +61404316960

Business name EasyAs Finance

Email :Peter@EasyAsFinance.com

Address 41 PoBOX 41 LOWER PLENTY VIC 3093

Services offered We will attempt to arrange for you the loan that suits your need

Fees and commissions

Fees payable to us for the provision of broking service

We do not charge any fees for our service. We get paid commission from the lender for arranging finance on your behalf. The fee is payable on approval of your loan/s. The lender may pay us a percentage amount upon settlement of your loan and may also pay us an ongoing percentage amount for the life of your loan.These amounts are paid to the Credit Representative by the lender and ARE NOT payable by you

if you would like to know the Estimate of commission to be received by us. please ask us and we will provide you with all the information before lodging your application to the lender

Commission will be paid by

The commission will be paid by the lender documented in your credit quote to the licensee. The licensee will then pay some or all of the commission to the credit representative.

You agree & acknowledge that the Licensee may provide the Credit Representative & any Referrers with personal information that we collect from you & information regarding the loan & provision of credit to you. Such information is provided to the extent necessary to enable the Credit Representative/or Referrer to determine the commissions if any, payable to the Referrer & or Credit Representative. You further acknowledge that information disclosed may include full details of your loans.

Other benefits From time to time we receive benefits in the form of conferences and training sessions provided by the licensee, financiers, or others. The value of these benefits cannot be ascertained.

Referral fee The credit representative has paid or will pay a referral fee of $ to for referring you to us. In addition, we receive referrals from a broad range of sources. For example, we may pay fees to call center companies, real estate agents, accountants, or lawyers for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you.

Acceptance: By Accepting this document you agree to the terms set out in this quote and all other related information in our website