Credit Guide & Privacy Consent.

Under the National Consumer Credit Protection Act 2009 (NCCP Act), we are required to provide you with a Credit Guide and Quote as soon as practicable after it becomes apparent that we are likely to provide credit assistance.

The Credit Guide and Quote outline:

• The services we provide
• Our obligations under the NCCP Act to ensure credit is not unsuitable for your circumstances
• The maximum fees and charges payable by you
• Commissions we may receive from credit providers
• Any fees that may be payable by Elev8 Finance Group Pty Ltd to third-party referrers

Elev8 Finance Group Pty Ltd is an accredited finance brokerage and a member of:

• Australian Financial Complaints Authority (AFCA) — free and independent external dispute resolution
• Finance Brokers Association of Australia (FBAA) — high professional, ethical and education standards

These memberships demonstrate our commitment to ethical conduct, professional standards and protecting our clients' interests.

Our credit assistance services include, but are not limited to:

• Obtaining further information from relevant parties such as employers, accountants and credit reporting bodies
• Researching and identifying suitable loan options aligned with your objectives
• Assessing, verifying and documenting information to ensure the recommended credit is not unsuitable
• Assisting you with completing applications and compiling required documentation
• Submitting applications to credit providers and liaising during the approval process
• Assisting with the finalisation and settlement of approved loans

To determine whether a credit contract is not unsuitable we are legally required to:

• Make reasonable enquiries about your requirements and objectives
• Make reasonable enquiries about your financial situation
• Take reasonable steps to verify the information provided

If, at the time of assessment, there is evidence that:

• You cannot meet repayment obligations without substantial hardship
• The credit does not meet your stated objectives
• The credit is otherwise inappropriate

then the credit will be deemed unsuitable and will not be recommended. We will complete a Preliminary Assessment of your requirements and financial position and retain this for seven years. You may request a copy during this period.

Elev8 Finance Group Pty Ltd and/or its directors, employees or credit representatives may receive commissions from credit providers when credit assistance is provided.

You may have been referred to us by a third party. In some cases we may pay a referral fee or commission to that party. Referrers may include but are not limited to:

• Car dealerships
• Accountants
• Mortgage brokers
• Real estate agents
• Financial advisers

By signing this document, submitting an enquiry, e-signing, emailing acceptance or providing requested supporting documentation, you:

• Accept the quoted fee for credit assistance
• Appoint Elev8 Finance Group Pty Ltd to provide credit assistance and arrange credit on your behalf
• Authorise us to collect, use and disclose personal and credit information in accordance with our Privacy Policy
• Acknowledge receipt of this Credit Guide

Internal dispute resolution. We are committed to resolving complaints promptly and fairly. Please contact us at admin@elev8financegroup.com.au. We will acknowledge and investigate your complaint as soon as practicable.

External dispute resolution. If your complaint is not resolved to your satisfaction or if you have not received a response within 45 days, you may escalate the matter to the Australian Financial Complaints Authority (AFCA):

• Free call: 1800 931 678
• Website: www.afca.org.au

Elev8 Finance Group Pty Ltd ("we", "us", "our") collects personal and credit information in accordance with Australian privacy and credit reporting laws. We collect this information to source and arrange:

• Consumer credit for personal, household, domestic or residential investment purposes
• Commercial credit for business purposes
• Other services outlined in our Privacy Policy

This may also include information required to support guarantor applications.

You have the right to:

• Access the personal and credit information we hold about you
• Request corrections if information is inaccurate
• Obtain a copy of our Privacy Policy and this document
• Request that credit reporting bodies do not use your information for direct marketing or pre-screening
• Access information held about you by a credit reporting body

Requests can be made by contacting our Privacy Officer.

Elev8 Finance Group Pty Ltd — AFCA Member | FBAA Member, Australia.
Email: admin@elev8financegroup.com.au