Confidential -V16 10.08.07 Serviceability Worksheet Mortgage Manager Date: 2/5/2008 Loan or Application Number LOAN APPLICANT & LOAN TERM/INTEREST RATE Loan -Owner Occupied/personal use $0 Application Name Loan -Investment $0 Number of Adults 0 Prior Ranking Debt $0 Number of Dependants 0 Debt Against Total Security $0 Number of Borrowers 1 SECURITY Term (Years) 30 Security Value 1 $0 Qualifying interest rate 9.82% Security Value 2 $0 Security Value 3 $0 Total Security $0 Loan To Value Ratio GROSS ANNUAL INCOME (GAI) Applicant 1 $0 1 Applicant 2 $0 Applicant 3 $0 Applicant 4 $0 Average business income $0 COMMITMENTS Owing Annual This Loan $0 $0 Deposit Other $0 $0 Home Loan Other $0 $0 Investment Loans $0 $0 GROSS ANNUAL RENT (GAR) Personal/Other Loans $0 $0 Rent -Property 1 $0 Credit Card Limit $0 $0 Rent -Property 2 $0 Other $0 $0 Rent -Property 3 $0 Loans NZD $0 $0 Rent -Property 4 $0 MAXIMUM PERSONAL BORROWING LIMIT Owner Occupied/Personal Use $0 This is a guide only and not the amount that Origin will approve. CAPACITY UMI To Self Employed Worksheet Decision Reset $ASQServiceability Worksheet.xls Page 1Confidential -V16 10.08.07 Self Employed Worksheet SELF EMPLOYED GROSS ANNUAL INCOME Important -ONLY complete if undistributed business profits are to support repayment capacity. Appropriate linking security may be required. Company dividends, partnership and trust distributions to be obtained from individual tax returns and included in the income for each applicant below then inserted on page 1. Previous Financial Yr Latest Financial Yr Dates Business net profit (loss) $0 $0 PLUS ADD BACKS: Company tax payments $0 $0 Depreciation expenses $0 $0 Interest expenses $0 $0 Extraordinary expenses $0 $0 Other non-recurring expenses (if any) $0 $0 LESS DEDUCTIONS: Company dividends $0 $0 Partnership distributions $0 $0 Trust distributions $0 $0 Sole Proprietor income $0 $0 Extraordinary income $0 $0 Business loan/lease payments $0 $0 Rental income (if included on page 1) $0 $0 Entity Code 1 Decision OTHER GROSS ANNUAL INCOME Obtain from individual tax returns & insert the average income for each applicant on Page 1. Applicant 1 Applicant 2 Applicant 3 Applicant 4 Wages or salaries $0 $0 $0 $0 Company dividends $0 $0 $0 $0 Partnership distributions $0 $0 $0 $0 Trust distributions $0 $0 $0 $0 Sole Proprietor income $0 $0 $0 $0 Interest from investments $0 $0 $0 $0 Total income $0 $0 $0 $0 Applicant 1 Applicant 2 Applicant 3 Applicant 4 Wages or salaries $0 $0 $0 $0 Company dividends $0 $0 $0 $0 Partnership distributions $0 $0 $0 $0 Trust distributions $0 $0 $0 $0 Sole Proprietor income $0 $0 $0 $0 Interest from investments $0 $0 $0 $0 Total income $0 $0 $0 $0 Average income (insert on page one) $0 $0 $0 $0 If Decision is "REFER" then profit variance is >20% or one year records a Loss. Need more information, refer policy