I a) Vehicle advancement is aimed at purchasing a new or used vehicle. There are several others.

A
vehicle loan gives you the amount of cash you will use to pay the vehicle cash. They want to get it back
with a very measure of your time. I would like to conclude a loan agreement that allows me to know the
amount of money I purchased, that is, the amount I want to keep permanently. Not all vehicle loans
provide a similar time scale. They are usually between 1 and 5 years. b) Car prepayment is almost always
a fixed rate loan. This means paying the same funding costs for the entire prepayment. You also have to
pay costs and fees. These are saved for your total prepaid cost. Money lending consistently adds fees
and premiums to the total amount, so the cost of money is consistently high. 2.a) Personal prepayment
is often made for what you really want or want to try, fix things in the house, or host an event. Refunds
will be made within the time limit. This is usually between 1 and 5 years. b) Personal credit has been
received or is unstable. You want to pay interest, expenses and commissions on the amount you earn.
Home Equity Home Advance aims to buy a home that isn't really anyone. Individual loans usually come
with a high loan fee that varies between 10% and 12% depending on the policies and conditions of the
association. 3.3. a) I am using a visa to get things. You can think of it as much as possible by spending
some money on the cardboard box. Your credit specialist will issue you a visa and ask you to reimburse
you for the amount you spent on cardboard on a monthly basis. There may be income, expenses, and
fees associated with injecting cash into the box. Most visas pay an annual fee to choose to use the box.
With your charge card, you will receive an invoice that tells you how much you should pay for the
month. If you do not pay this amount, you will be charged interest and various costs from time to time.
This cost will significantly increase the cost of using your credit card. You pay the following costs: The
annual record rewards the program for payment delays that exceed your credit limit. With MasterCard,
you will receive additional cards on a regular basis. This allows, for example, your accomplices and other
relatives to use your loan to get workers and products. You want to fulfill the obligations that result
from the use of your card by others. b) You can inform your customers that interest, fees and fees can
be high. 4. a) A solidification loan is the point of consolidating all down payments into one down
payment. One of the benefits of union prepayment is that you only have to repay once a month and
your mortgage fees are lower. In most cases, you don't have to pay too many costs or fees. b)
Integration prepayment allows you to reimburse each obligation within the prepayment over a longer
period of time.

ii) a) If the customer cannot or only partially answers your question, the customer does not require
consent or requires limited consent. You can help them see more by showing them a photo story with
their language interpreter to present them with the subject. It also focuses on the history of sound.
After using the photo as in the clay story, ask the customer to answer the question again to see if it
promoted an understanding of the purpose. Towards the end of the segment, give the customer a fact
sheet in the language you created and take it home for later viewing by the customer. b) If the
customer is responding to at least one query, but not in detail, some understanding is needed. You
show them a photo story to see their purpose. Suitable for users with some understanding, you can also
see Scope 2 exercises and stories within the unit. Towards the end of the segment, you can bring back
the customer's fact sheet with the language interpreter he created. This allows the customer to
scrutinize it later. c) If the customer answers your question thoroughly, he needs a higher level of
understanding. For example, if you ask a client, "What kind of credits do you have in Australia?", The
client can organize it and don't show a photo story. Overall, we will do more developed exercises within
the unit, marked as Level 3. Towards the end of the segment, the fact sheet can be taken back with the
customer in a linguistic interpretation so that the customer can see it later.
iii) reason The accompanying principles give us something even more subtle, thanks to us, to allow for
careful borrowing. 1. Standard One We aim to rent only what you can refund We focus on: Australia's
National Line Protection Law and Banking Code, Banking Code, New Zealand Loan Contracts and
Consumer Finance Law, Financial Ombuzman Services, All, including Our Own Credit Rating.
Neighborhood regulation compliance strategy and our business principles. Follow the pre-application
evaluation process. This may include the use of credit checks, credit bureau reviews, and dimensional
checks to help verify customer eligibility. Credit certification authority assignments associated with skills
and abilities. We separate significant debt to ensure that relatives are ready to finish their work and
proceed, ensuring useful autonomy in line business lending and board relationships. We help our clients
stay up to date and provide information to consider when making money decisions. 2. Guideline 2 We
ensure to market articles and management Therefore, we aim to: We act honestly, follow moral and
legitimate sales practices, and provide you with data to help you make informed decisions about our
items and controls. Wise inquiries about customer needs and goals. Surveying that any credit item we
give to a client isn't unsatisfactory for them. Furnishing data to assist with our clients' comprehension of
the hazards or expenses related with item includes. Offering charge plate limit increments to existing
clients just supported severe qualification measures, including yet not restricted to past reimbursement
history and administrative necessities. Offering home advance topup administrations to existing clients
just supported layaway qualification standards which could incorporate the use of credit reference
organizations and point by point loaning evaluations with sensible confirmation of the client's monetary
position. Offering preendorsed business credit cutoff points to existing clients just supported severe
qualification models, including however not restricted to past reimbursement history. The guaranteed
offer to extend recognition restrictions is the same for each appropriate code and guideline. The offer
to create a credit limit includes a moderation statement, a clarification of the new minimum rate
required, and an option to lower the credit limit. As a strategic difficulty, we strive to avoid direct
suggestions to admit to our clients the story of helpless redemption. Clients who break voluntary
contact say they are at particularly high risk. The easiest way to review an acceptable redemption
history for obligation repayment and to verify a customer's financial position, including but not limited
to information such as resources, liabilities, payments, and costs disclosed by the customer. Find the
wisest way. Carefully and constantly observe the credit valuation process, including the quality of the
accommodation, the proper use of credit bureau specialists, and the tasteful management of staff. This
observation also includes an internal investigation that freely assesses the abundance and feasibility of
the credit risk of the board's work.

3. Rule 3 Support customers facing money problems Therefore, our goal is to encourage financially
difficult customers to talk to us in a simple way and treat each case separately. This can be configured by
granting individual customers access to nearby free autonomous cash management, if desired.
Encourage open discussions about the tolerance of responsibility and the problem to monitor the
problem when it occurs, including the individual's responsibility to resolve the published problem. If
necessary, explicit assistance to customers who are having problems due to catastrophic events. The
goal is to monitor the response of customers in the face of financial difficulties, to maintain their
business as much as possible and to restore great welfare. We offer options for fees (refund
opportunities) granted as needed to help clients cope with changing situations such as illness or
business failure. If the customer does not meet the redemption requirements, all conversations will be
respected and will consider the customer's financial goals to agree on some or all of the key legal
requirements. 4. Guideline 4 We help our partners determine their financial education and talents
Therefore, we strive to: Reduce the burden on the board and plan, store and risk-distribute materials for
colleges, business people, local gatherings and more. Through many brands, we have provided various
financial training projects to support residential and business customers, as well as a larger business
skills program for business customers. Make our items and controls available to anyone, or anyone,
including people with disabilities, people living in remote areas, and people from non-English speaking
Foundations. Support worked on financial literacy and admission in Australia, New Zealand and even the
Pacific region through a secondment program that included nearby clubs and local networks. 5. Scope
Unless otherwise stated, these criteria apply to all or all business and individual customers of the
Westpac Group and to all or all loan items. Support strategies and guidelines This enforcement is
planned in accordance with national law and other important management requirements. This
statement is intended to relate to Westpac's current security precautions, cycles, and systems. This
includes Westpac's natural, social and administrative ("ESG") risks, business structure, and business
policies. Respond to the underlying loan request Complete the application structure Check and save
candidate data Regain a credit report to help determine if a customer can be trusted These funds need
to be made before proceeding to the choice of whether to promote the loan. These cycles are
attempted by the CO according to the hazard strategy and association schedule.

iv) National Credit Line Protection Act 2009 (“Credit Act”). This may be a public regulation. This includes
the national credit code. All contracts covered by credit codes prior to July 1, 2010 will be covered by
national credit codes from July 1, 2010, but instead of new contracts, some of the old credit code
contracts will be covered. It applies to these advances. For example, credit law provides you with
considerable collateral, • Require disclosure of specific data with prior agreement. • Choose a
redemption plan due to financial difficulties. • Approximately 30 days of reminders to repay outstanding
debt must be under continuous scrutiny of legal proceedings or withdrawals. • Procedures to be
followed to regain goods (including vehicles). The above is by no means a complete overview and you
should seek legitimate guidance if there is any debate. Otherwise, you will face financial problems. The
credit method is applied as an aid in the following cases: • There is a prepayment (“granted obligation”).
• Banks are busy moving forward. • There is a charge for credit grants (bonuses, costs, etc.). • Credits
are transcendental for personal, domestic, or family purposes. • Prepaid is used to renegotiate,
purchase, or improve risky assets • (Prepaid only permitted from 1 July 2010). • The borrower may be a
characteristic Australian resident. • The preliminary agreement was confirmed after January 11, 1996.
The exception is visas (and other procedures with credit contracts), which must be confirmed at any
time (even before 1.11.96). Examples of advances to which credit law essentially applies are: • Vehicle
Loans • Personal Advances • Residential Advances • Consumer Leases (Vehicle Leases, Product Leases,
etc.) • Credit Cards • Investment Real Estate Advances (for Advances granted after July 1, 2010). Here
are some examples of advances that credit law has no impact on: • Short-term loans with very low
prepayment income and expenses (less than 2 months) • Premiums are paid proportionally • Equity
investment prepayments • Business leases • Business prepayments • Pawn loan prepayments (but not
Inappropriate premium and fee restrictions in off-line norms apply • Advance payments • Unfortunately
overdrafts organized by financial institutions (individuals or branch offices) in advance • Accounting
firms • Debit cards (eg the rest) Full payment is made monthly) Part II Evidence indicates that the loan is
for personal reasons if: A significant portion of the loan (the amount acquired) is likely to be used for
personal reasons. Or the personnel and products received in credit are usually used for personal
purposes (that is, for business purposes only). Therefore, a vehicle loan that is used 5 days a week for
business purposes and for personal use for the weekend may not be covered, but the company only
needs the vehicle 2 days a week and the rest of the time it is It was moved for absolutely personal
purposes. Similarly, a $ 400,000 prepayment that was successfully used to buy a home, but includes a
modest amount of emerging capital for an independent business, falls under credit law. It is not
uncommon for loan providers and their agents to require borrowers to sign a "Business / Venture
Purpose Statement" to make it clear that loan law is not important. Such an announcement is actually
for personal use (or a good part close to home use) by the lender (or other important person at the
request of the borrower). "Other important persons" include, among other things, vehicle salespeople
and financial agents. As of July 1, 2010, credit providers must submit meaningful inquiries to justify
prepayment. Seek legal advice in case you don't know if customer credit law applies or which contract
covers your contract.

v) a) As a feature of the credit the board cycle, the CO requirements to grasp subtleties of resource and
security courses of action. In certain cases, it`s feasible to require outsider underwriters for a few
purchaser offices, yet the taking of those extra assurances is controlled by the NCCP. b) Credit suppliers
should request all near home business and monetary data needed per authoritative technique. For
business credits or enormous sums, extra data may be required. This data by and enormous is acquired
by the CO Sales Representative from the Credit Department to decide on choices in setting the credit
agreements. it's a direct wellspring of knowledge and its quality and trustworthiness is straightforwardly
relative to the character of meeting with the candidate.