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					   AUSTRALIAN CENTRAL CREDIT UNION LTD • ABN 11 087 651 125                                              Personal Loan Application
   Personal Loan




   TO                   Lending Operations                                           FAX NUMBER          (08) 8305 1880
   PAGES                                                                             DATE                   /           /


   Applicants name/s:
  Applicant 1 ___________________________________                                    Applicant 2 ______________________________________
  Applicant                                                                         Applicant 2
 Member Number_____________________________________                                  Member Number ________________________________________

   Application check list:

   Loan Type                                         Personal Loan
                                                 Personal Loan                                     Loan Purpose
                                                 Car Loan
                                                     Car Loan
                                                 Green Loan

   Interest Rate Option                              Variable
                                                 Variable
                                                 Fixed
                                                     Fixed
                                                 N/A
   Term of Loan                                                  mths

   Loan Amount                                    $
   Purchase Price / Loan Amount                   $
                                                                                                   Security Details
  Brokerage
  Loan Fees/ Service Fee                          $
  Other Fee
  Application                                     $        160.00
   Other                                          $
   Total Loan Required                            $
   Preferred branch for member relationship (SA & NT)
Preferred Banking/Advice Centre _____________________________________________________
        Light Square                          Berri                                     Burnside                            Colonnades
        Golden Grove                          Kilkenny                                  Marion                              Millicent
      Mount Barker                  Mount Gambier                  Murray Bridge
 Please indicate how you would like Australian Central to contact you about your loan application;Nuriootpa
        Port Adelaide                         Port Pirie                                Tea Tree Plaza                      West Lakes
 Preferred contact person __________________________________________________
      Whyalla                      Newton                     North Park

      Alice Springs               Casuarina                 Darwin
 Preferred phone number __________________________________________________                                                  Palmerston

 Best time to contact                 Morning               Afternoon                 Any time            __________ am / pm
   Originator verification and details d

Comments
  I confirm that the information contained in this application is true and correct and that I have sighted the original documents provided to me by the
 ____________________________________________________________________________________________________
   applicants and confirm that copies forwarded to you are true copies of the originals.

                                                                                            /   /
  ____________________________________________________________________________________________________
   Broker name
  ____________________________________________________________________________________________________
   From                                                                              SIGNATURE                                           DATE
 _____________________________________________________________________________________________________
   Broker code                              Phone                                    Fax                        Email

   Name of Business Development Manager


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AUSTRALIAN CENTRAL CREDIT UNION LTD • ABN 11 087 651 125                                                                                Personal Loan Application
Details of Applicants

Applicant No 1                                                                                           Applicant No 2 (if applicable)

Member number                                                                                            Member number

Title                  Mr            Mrs       Ms            Miss                                        Title                  Mr            Mrs       Ms            Miss

Family name                                                                                              Family name
Given name(s)                                                                                            Given name(s)
Date of birth                                                                      M        F            Date of birth                                                                      M       F

Marital status               Single                 Married              Defacto                         Marital status               Single                 Married              Defacto
                             Separated              Divorced             Widowed                                                      Separated              Divorced             Widowed

Driver’s Licence Number                                         Exp date      /        /                 Driver’s Licence Number                                         Exp date      /        /
Number of dependants (excluding spouse)                                                                  Number of dependants (excluding spouse)

Ages of dependants                                                                                       Ages of dependants

Current residential address                                                                              Current residential address

                                           State                Postcode                                                                            State                Postcode

Time at current address                                years                months                       Time at current address                                years                months

Residential status (previous)                  Renting                     Boarding                      Residential status (previous)                  Renting                     Boarding
     Home owner                                Home buyer                  With parents                       Home owner                                Home buyer                  With parents
     Other                                                                                                    Other

Previous residential address (if less than 2 years in current)                                           Previous residential address (if less than 2 years in current)

                                           State                Postcode                                                                            State                Postcode
Time at previous address                               years                months                       Time at previous address                               years                months

Residential status (previous)                  Renting                     Boarding                      Residential status (previous)                  Renting                     Boarding
     Home owner                                Home buyer                  With parents                       Home owner                                Home buyer                  With parents
     Other                                                                                                    Other

Telephone numbers                   Home                                                                 Telephone numbers                   Home

Work                                           Mobile                                                    Work                                           Mobile

Current employment/occupation                                                                            Current employment/occupation

Income after tax $                                     per       week        f/n       mth               Income after tax $                                     per       week        f/n       mth

Current employment status                  Full time         Part time     Self employed                 Current employment status                  Full time         Part time     Self employed
     Casual           Home duties            Retired           Student       Seasonal                         Casual           Home duties            Retired           Student        Seasonal
     Unemployed                 DSS recipient          Other                                                  Unemployed                 DSS recipient          Other

Employer name                                                                                            Employer name

Time with this employer                                years                months                       Time with this employer                                years                months

Employer's address                                                                                       Employer's address

                                           State                Postcode                                                                            State                Postcode

Telephone                                                                                                Telephone
Previous employment/occupation                                                                           Previous employment/occupation
(if less than 2 years in current)                                                                        (if less than 2 years in current)

Previous employment status                 Full time      Part time        Self employed                 Previous employment status                 Full time      Part time        Self employed
    Casual           Home duties            Retired           Student       Seasonal                         Casual           Home duties            Retired           Student       Seasonal
    Unemployed                 DSS recipient         Other                                                   Unemployed                 DSS recipient         Other

Previous employer name                                                                                   Previous employer name

Time with this employer                                years                months                       Time with this employer                                years                months

Previous employer's address                                                                              Previous employer's address

                                           State                Postcode                                                                            State                Postcode

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AUSTRALIAN CENTRAL CREDIT UNION LTD • ABN 11 087 651 125                                                                              Personal Loan Application
Details of applicants                                            (continued)




Other income                                                                                                 Other real estate

Applicant                                                                                                   Property 1

                                       $                         per       w         f/n        m            Address

                                       $                         per       w         f/n        m                                           State               Postcode

Applicant 2                                                                                                  Property value           $

                                       $                         per       w         f/n        m            Loans outstanding        $

                                       $                         per       w         f/n        m            To be paid out by this loan?      Yes         No

Home owned                                                                                                   Mortgaged to

                                                                                                             Repayment            $                  per        w     f/n      m
Property value                 $
                                                                                                             Rent received        $                  per        w     f/n      m
Loans outstanding              $
                                                                                                             Insured with
To be paid out by this loan?                         Yes         No

Mortgaged to                                                                                                 Property 2

Repayment          $                                       per         w       f/n         m                 Address

Insured with                                                                                                                                State               Postcode

                                                                                                             Property value           $
Rent or board paid
                                                                                                             Loans outstanding        $
Amount             $                                       per         w       f/n         m
                                                                                                             To be paid out by this loan?      Yes         No
Proportion paid                %
                                                                                                             Mortgaged to
Paid to
                                                                                                             Repayment        $                      per        w     f/n      m
Landlord's Address
                                                                                                             Rent received    $                      per        w     f/n      m
                                             State                    Postcode
                                                                                                             Insured with
Telephone
                                                                                                             Motor vehicle details
To cease with this loan?                             Yes         No

Other loans (including credit cards)                                                                         Motor vehicle 1
                                                                                                             Make/model       Year
   CREDIT       CREDIT LIMIT                             MONTHLY           TO BE PAID OUT
  PROVIDER     (CARDS ONLLY)           BALANCE          REPAYMENT          WITH THIS LOAN?
                                                                                                             Value            $
               $                   $                  $                        Yes             No            Financed by
               $                   $                  $                        Yes             No            Amount           $

               $                   $                  $                        Yes             No            To be paid out by this loan?      Yes         No

               $                   $                  $                        Yes             No            Repayment        $                      per        w     f/n      m

                                                                                                             Insured with

Other commitments                                                                                            Motor vehicle 2

                                                      MONTHLY              TO BE PAID OUT
                                                                                                             Make/model       Year
             DESCRIPTION                             REPAYMENT             WITH THIS LOAN?
                                                                                                             Value            $
                                                 $                             Yes             No
                                                                                                             Financed by
                                                 $                             Yes             No
                                                                                                             Amount           $
                                                 $                             Yes             No
                                                                                                             To be paid out by this loan?      Yes         No
                                                 $                             Yes             No            Repayment        $                      per        w     f/n      m

                                                                                                             Insured with



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                                                                                               Page  of 5
 AUSTRALIAN CENTRAL CREDIT UNION LTD • ABN 11 087 651 125                                                             Personal Loan Application
 Details of applicants                               (continued)




 Savings and long term deposits                                                              Shares

    FINANCIAL INSTITUTION             ACCOUNT TYPE              AMOUNT                               COMPANY                 NO OF SHARES                  ESTIMATED VALUE


                                                         $                                                                                             $

                                                         $                                                                                             $

                                                         $                                                                                             $

 Other assets                                                                                Friend/relative not living with you

                            DESCRIPTION                      ESTIMATED VALUE                  Name

 Furniture and fittings                                  $                                    Address

                                                         $                                                                         State           Postcode

                                                         $                                    Relationship to applicant/s

                                                         $                                    Telephone        Home

 Insured with                                                                                 Work                                 Mobile


 Declarations – this section MUST be completed for all applications
 Have you or a spouse ever been declared bankrupt or insolvent, has either estate been assigned for the benefit of creditors?                                 Yes           No
 Have you or your spouse ever been shareholders or officers of any private company of which a manager, receiver or liquidator
 has been appointed?                                                                                                                                          Yes           No
 Is there any unsatisfied judgement entered in any court against you, your spouse or any company of which you or
 your spouse are or were a shareholder or officer?                                                                                                            Yes           No
 Have you, or your spouse, or any company with which you are or were associated, ever had property foreclosed upon or
 given title or deed in lieu thereof through mortgage sale proceedings?                                                                                       Yes           No

  By signing below, l/we agree/declare that,                                        • To enable the Approved Originator to calculate a trailer fee
By Signing below, I/we declare that,                                                    payable to the Approved Originator;
  • the information contained in our Loan Application correctly and
      truly represents all the information provided by me to the Approved           • To enable the Approved Originator to ascertain when it is
• I/we wish to apply for a loan through Australian Central.
      Originator. I/we authorise the Credit Union to discuss with the                   entitled to a trailer fee;
      Approved Originator any matters concerning the information truly represents all the information provided purpose. to Australian Central.
• the information contained in this loan application correctly and                  • For any other reasonable by me/us
      contained in this Loan Application submitted by the Approved
                                                                                • if a cheque in payment of Australian Central Credit Union’s
      Originator on my/our in its absolute discretion, communicate or otherwise deal with me/us directly in relation to any matter concerning the Loan
• Australian Central may, behalf.
                                                                                    application fee and/or a valuation fee (if required) does not
Application.
  • I/We authorise the Approved Originator to forward this information              accompany this application form, I/we must pay such fee/s upon
      (together with any other information provided by me/us to the                 request by Australian Central. Neither the application fee nor
• I/we acknowledge that after my/our application is made, Australian Central reserves the right to review and change any interest rate quoted to me/
      Approved Originator concerning the Loan Application) to the                   valuation fee are refundable by Australian Central if the application
us if there is a change in that interest rate.
      Credit Union.                                                                 is rejected by Australian Central or I/we do not proceed with it for
• • I/We have not relied upon any representation or warranty made by                any to the
   I/we acknowledge that Australian Central's usual terms and conditions will apply reason. credit facility that I/we are applying for. A copy will be
      the Approved with Australian submitting the of a credit facility.
provided to me/usOriginator before Central's offer Loan Application. A copy • aftercurrent terms and conditions may also be obtained from any
                                                                                of the my/our application is made, Australian Central reserves the
  • I/We Australian Central upon request.
branch ofacknowledge that the Approved Originator is not an agent of
                                                                                    right to review and change any interest rate quoted to me/us if
      the Credit Union and acts independently of the Credit Union.
Name (Please Print)
                                                                                    there is any change in that interest rate.
                                                                             Signature                                              Date
 • The Lender may, in its absolute discretion, communicate or                              • I/We also understand that any indication or suggestion of approval
    otherwise deal with me/us directly in relation to any matter                               of my/our application by a third party introducer is not binding
Name (Please Print)                                                                     Signature                                            Date
    concerning the Loan Application.                                                           on Australian Central and, until Australian Central has received,
 • Prior to signing the Loan Application, the Originator informed me/us                        my/our acceptance of Australian Central’s offer to the credit facility.
   that the Lender would pay the Originator commission if the Loan                             I/We should not enter into any legal commitments which are
   Application is approved and the loan drawn. The Originator also                             dependant on that approval (eg. to purchase a property or
   informed me/us that the amount of commission, to the extent that                            refinance a mortgage).
   is ascertainable, will be included in my/our Loan Offer provided by                       • I/We acknowledge that Australian Central’s usual terms and
   the Lender.                                                                                 conditions will apply to the credit facility that I/we are applying for.
 • I/We acknowledge that the Credit Union may disclose to the                                  A copy will be sent to me/us with Australian Central's officer of a
   Approved Originator or its officers or any successor of the Approved                        credit facility and a copy of the current terms and conditions may
   history obtained from any credit reporting agency for the sole                              be obtained from any branch of Australian Central upon request.
   purpose of furthering my application with the credit union.

 NAME (PLEASE PRINT)                                                                         SIGNATuRE                                          DATE
                                                                                                                                                                /       /

 NAME (PLEASE PRINT)                                                                         SIGNATuRE                                          DATE
                                                                                                                                                                /       /
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                                                                               Page  of 5                                                                                   LNS00
Personal Loan - Declaration and Privacy
Consent
                                                                                                                         Australian Central Credit Union Ltd
                                                                                                                                ABN 11 087 651 125



                   First name(s)                                    Last name
     Applicant 1

                   First name(s)                                    Last name
     Applicant 2

     Applicant 3   First name(s)                                    Last name
  (or Guarantor)

     Applicant 4   First name(s)                                    Last name
  (or Guarantor)

Tick the box that applies
The credit I am applying for is:
    Wholly or primarily for a personal domestic or household purpose or to purchase, renovate or improve the value of a residential
    investment property.
     Wholly or primarily for another purpose (commercial credit)

Authority for Australian Central to collect, use and disclose personal information

I authorise Australian Central to collect my personal information to enable it to assess my application and, if it is approved, to provide
me with the product or service for which I am applying. I understand that without this information Australian Central may not be able to
consider or approve my application.

Authority to disclose personal information
I acknowledge that subject to the obligations of the Privacy Act Australian Central may need to disclose my personal information. I authorise
Australian Central to disclose my information where relevant to:
         a guarantor or intending guarantor of the proposed credit facility;
         any contractor or service provider Australian Central engages to provide or assist its functions and activities connected with my
         relationship with Australian Central;
         other parties Australian Central is authorised or required by law to disclose information to (and other persons where I have
         consented to the disclosure);
         any credit provider for any purpose I have agreed to;
         any credit reporting agency;
         mortgage insurers used by Australian Central and reinsurers of any such mortgage insurer;
         my agents and contractors, including my finance broker, legal adviser, financial adviser, builder, real estate agent and settlement
         agent;
         my executor, administrator, trustee, guardian or attorney;
         an organisation, that is in an arrangement or alliance with Australian Central for the purpose of promoting or using their respective
         products or services (and any agents used by that organisation in administering such an arrangement or alliance); and
         Australian Central's solicitors, debt collection agents and other related third parties as necessary to recover any amount in
         default, or for the purpose of taking possession of any loan security;
         my referee(s); and
         my employer (subject to the disclosure including personal information relevant to the confirmation my income and employment
         details only).

Authority to obtain certain Personal and Commercial Credit Information
I agree that before, during and after the provision of credit to me Australian Central may disclose my information to a credit reporting
agency for the following purposes:
         to obtain a consumer credit report about me; and/or
         obtain information about me from a business which provides information about the commercial credit worthiness of persons;
         and/or
         allow the credit reporting agency to create or maintain a credit information file containing information about me.




                                                                      5                                                         V1.1-0610-LNS001a
                                                                                                                             Australian Central Credit Union Ltd
                                                                                                                                    ABN 11 087 651 125


This information includes but is not limited to:
         the fact that I have applied for credit, the amount of credit applied for, and that Australian Central is the credit provider;
         loan repayments which are overdue more than 60 days, and for which debt collection activity has started;
         advice that loan repayments are no longer overdue in respect of any default that has been listed;
         a serious credit infringement which Australian Central believes you have committed; and
         the credit provided to you has been paid or otherwise discharged.

Disclosure to a guarantor
I agree that Australian Central may give to a person who is currently a guarantor, or whom I have indicated is considering becoming a
guarantor, a credit report containing information about me for the purpose deciding whether to act as a guarantor or to keep them informed
about the existing guarantee.
I understand that the information disclosed can include anything about my credit worthiness, standing, history or capacity that credit
providers are allowed to disclose under the Privacy Act, and includes a credit report.

Accessing personal information held by Australian Central
I understand that I may request access to any information held about me by contacting Australian Central. Access will be granted in
accordance with the provisions of the Privacy Act 1988. A fee may be payable to access this information. If any of the information is
inaccurate I may request that it be corrected.

Personal information about third parties
I undertake that if I supply Australian Central personal information about another person (for example, a referee or a person to whom a
payment is to be directed), I am authorised to do so and I agree to inform that person who Australian Central is, how their personal
information will be used and disclosed and that they can gain access to that information. I may do this by providing them a copy of this
form which Australian Central will make available to me.

Promotion of other products or services
I agree that Australian Central may;
         Use my personal information to help plan, research, market and promote Australian Central products or services or those of its
         alliance partners. This includes putting my name and contact details on marketing lists for the purpose of offering me goods and
         services by mail, email or telephone ; and
         Disclose my personal information to alliance partners in connection with that purpose:
Where I do not want Australian Central to tell me about its products or services or those of alliance partners I will indicate by ticking the
box below. Alternately I understand that I may withdraw my consent at any time in the future by calling 13 13 21 or visiting any Australian
Central Banking and Advice Centre.
 I do not want my personal information used for marketing purposes

Personal information
I understand and agree that the use and disclosure of my personal information applies to any personal information collected by Australian
Central in the course of my relationship with Australian Central.

                   Signature
     Applicant 1                                                                                                      Date

                   Signature
     Applicant 2                                                                                                      Date

                   Signature
     Applicant 3
  (or Guarantor)                                                                                                      Date

                   Signature
     Applicant 4                                                                                                      Date
  (or Guarantor)




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Description: Personal loans, also known as the retail loan business, after decades of development, has become an important loans. Personal loan, the lender is granted to the borrower for the purchase of housing and urban residents repair their own use, built-occupied housing (excluding sales of housing) loans. Lender to grant housing loans, the borrower must provide security. If a borrower can not repay principal and interest loans, the lender shall be entitled to deal with the quality of its collateral or property, or repayment of principal and interest by the guarantor to assume joint and several liability.