DocuSign Envelope ID: 83E026CA-B9B9-4713-8B9E-01C98BF9275D

PRIVACY DISCLOSURE STATEMENT and CONSENT

References to Positive Group in this document mean Positive Group Australia Pty Ltd ABN 58 610 067 715 and its related entities Positive Lending Solutions Pty Ltd ABN
62 605 678 813, Positive Home Loans Pty Ltd ABN 14 605 679 418, Positive Wealth Management ABN 46 605 679 178.

Overview
Positive Group collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can,
consistently with Australia's privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

Privacy Disclosure Statement and Consent:

We are collecting credit and personal information (information) about you, as applicable:
To source for you, or a company of which you are a director:
Consumer credit for personal, household, domestic or residential investment purposes;
Commercial credit for business purposes; or
Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
To support a guarantor application you will provide.
As your broker, we require the information we collect from you to assess your credit, or guarantor, application or the credit application of a company of which you are a
director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought
we may be unable to process your application, or the company's application, or we may be limited in the other services we can offer you or the company.

Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures:

When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a
suitable credit provider or lessor and/or insurance provider. We may:

Disclose your identification information to a CRB if you wish us to obtain a report on your behalf;
Use any information the CRB provides in that report to assist us to preliminarily assess your consumer credit or guarantor application;
Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain
Disclose your credit information to a credit provider or credit providers to apply for finance on your behalf
Disclose your credit information or personal information to the referral partner who we have a formal referral agreement with and where the referral originated

The information we obtain from you is used, subject to compliance with Australia's privacy and credit reporting laws, only for the purposes listed in this Consent and is not
disclosed to any other person except with your permission or as permitted, or required, by law.

Credit Providers:
As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so,
we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.

We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this
document.

A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, from one or more CRBs.
The website of each credit provider contains details of how they collect, disclose and use your information, your key rights and each CRB they deal with. This detail may
be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes:

That the CRB may include information the credit provider discloses about you to other credit providers to assess your creditworthiness
That, if you become overdue in making consumer credit payments or you commit a serious credit infringement, the credit provider may disclose that information
to a CRB
How you can obtain the credit provider’s and/or CRB’s policies about managing your credit information
Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
Your right to request a CRB not to undertake pre-screening for purposes of direct marketing by a credit provider
Your right to request a CRB not to release information about you if you believe you are a victim of fraud

This detail will also be included by the credit provider in the privacy disclosure statement and consent document it will provide to you.

Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g.
hard copy or email).

Your rights:
You have the right to ask:

Us to provide you with all the information we hold about you

Us to correct the information we hold if it is incorrect
Us for copies of our privacy policy and this document, in a form that suits you (e.g. hard copy or email)
The CRB not to use your information for direct marketing assessment purposes, including pre-screening
The CRB to provide you with a copy of the information it holds about you

© 2018 Positive Group Australia Pty Ltd | ABN 58 610 067 715 | Australian Credit Licence 484982
DocuSign Envelope ID: 83E026CA-B9B9-4713-8B9E-01C98BF9275D

PRIVACY DISCLOSURE STATEMENT and CONSENT

You can gain access to the information we hold about you by contacting our Privacy Officer at the address above or by telephone on 1300 722 210 or email at
info@positivegroup.com.au. In some cases, an administration fee may be charged to cover the cost of providing the information. Our Privacy Policy is available on our
website at www.positivelendingsolutions.com.au or we will provide you with a copy if you ask us.

Disclosure and Consent:

By signing below, you agree we (or the Credit Providers listed in the Schedule) may:
Make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB;
Use your personal and credit information:
To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you
are a director;
To source any finances you required;
To source any insurances you require; and
As the law authorises or requires.
Use electronic communications, such that:
Paper-based documents may no longer be given;
Electronic communications must be regularly checked for documents;
Consent to the giving of documents by electronic communication may be withdrawn at any time;
We may provide any or all information to you through electronic communication in accordance with the Electronic Transaction Act 1999 and the
National Consumer Credit Protection Act 2009; and
We may act on instructions you send us electronically, including but not limited to emails to the email address provided by us on our websites, or any
other method of electronic communication permitted by law.
Disclose to, and obtain from, any prospective credit provider, participant in the payments system, or insurer, information about you that is reasonably necessary
to obtain the finance and insurances you require;
Obtain from, and disclose to, any third party, information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you to obtain the finance
and insurances required;
Provide your information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers below so they can
assess your application, or the application of a company of which you are a director, or your suitability as a guarantor
Provide credit information about you to a guarantor, or prospective guarantor;
Provide you, or the company of which you are a director, with offers or information of other goods or services we, or any of our associated entities, may be able
to provide to you or the company, unless you tell us not to;
Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents,
printers, mail houses, lawyers, document custodians, securities and computer systems consultants or providers, so they can perform those services for us;
Disclosure of your details by us (or a Credit Provider listed in the Schedule) to a CRB, including your name, address and date of birth, for the purpose of seeking
and receiving an Electronic Identity Verification (“E-verification”) assessment as to whether that personal information matches (in whole or in part) personal
information held by that credit reporting body (including on any database of Politically Exposed Persons), in accordance with:
The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the AML/CTF Rules;
The National Consumer Credit Protection Act 2009 (Cth), including the National Credit Code that comprises Schedule 1 to that Act; and
Any other relevant act which requires us to conduct verification of customer identification.
Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your
contract with us, or the contract with us of a company of which you are a director.

You also agree and consent to, as appropriate:

Your information being referred on to one or more credit providers specified in the Schedule of Credit Providers below to assist with your application in the event
we are unable to assist.
A CRB disclosing consumer credit information to one or more credit providers specified in the Schedule of Credit Providers below for the purpose of assessing
your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are
a director;
When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor;
A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor;
A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you;
Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company's information,
in each of the ways listed above; and
A Credit Provider specified in the Schedule collecting, using and disclosing your personal information in accordance with their privacy policy, which can be found
on their website listed.

Recording of Verbal Communication

By signing this form you agree that all verbal communications will be recorded for quality and training purposes. If you wish to not be recorded please notify us when you
speak to one of our consultants.

Brandon Parkes
I, , have read, fully understand and accept the terms of this Privacy Disclosure
Statement & Consent.

28 January 2020 | 08:44 ACDT

Signature: Date Signed:

00274368 © 2018 Positive Group Australia Pty Ltd | ABN 58 610 067 715 | Australian Credit Licence 484982
DocuSign Envelope ID: 83E026CA-B9B9-4713-8B9E-01C98BF9275D

PRIVACY DISCLOSURE STATEMENT and CONSENT

Schedule of Credit Providers

Name of Credit Provider Website Name of Credit Provider Website

Adelaide Bank www.adelaidebank.com.au Latitude www.latitudefinancial.com.au

Affordable Car Loans www.affordablecarloans.com.au Liberty www.liberty.com.au

AFM – Australian First Mortgage www.afm.com.au Macquarie www.macquarie.com.au

AFS - Automotive Financial Services www.afs.com.au Metro www.metrofin.com.au

AMMF www.ammf.com.au Money3 www.money3.com.au

AMP www.amp.com.au Morris Finance www.morrisfinance.com.au

ANZ www.anz.com.au Moula www.moula.com.au

Auswide www.auswidebank.com.au NAB www.nab.com.au

Axsess Today www.axsesstoday.com.au Nationalcorp www.nationalcorp.com.au

Bank of Sydney www.banksyd.com.au NOW Finance www.nowfinance.com.au

Bank SA www.banksa.com.au Pepper www.pepperonline.com.au

Bankwest www.bankwest.com.au Prospa www.prospa.com

BOQ www.boq.com.au RateSetter www.ratesetter.com.au

Capital www.capitalfinance.com.au Redzed www.redzed.com

CashFlowIt www.cashflowit.com.au Resimac www.resimac.com.au

CBA www.commbank.com.au Selfco Leasing www.selfco.com.au

Citi Bank www.citibank.com.au Spotcap www.spotcap.com.au

Classic Funding Group www.classicfg.com.au St. George www.stgeorge.com.au

Finance1 www.financeone.com.au Suncorp www.suncorp.com.au

First Mac www.firstmac.com.au Teachers Mutual Bank www.tmbank.com.au

Flexi Commercial www.flexicommercial.com.au The Rock www.therock.com.au

Green Light Auto Finance www.greenlightauto.finance Thorn Group Ltd www.thorn.com.au

Heritage Bank www.heritage.com.au TL Rentals www.tlrentals.com.au

Homeloans LTD www.homeloans.com.au U Me Loans www.umeloans.com.au

ING www.ING.com.au Westpac www.westpac.com.au

La Trobe www.latrobefinancial.com.au

© 2018 Positive Group Australia Pty Ltd | ABN 58 610 067 715 | Australian Credit Licence 484982
DocuSign Envelope ID: 83E026CA-B9B9-4713-8B9E-01C98BF9275D
Positive Group Australia Pty Ltd (Positive Group) ACN 610 067
715 is a licensed provider of credit assistance under the National
Consumer Credit Protection Act 2009. Australian Credit Licence
Number 484982.
This Credit Guide contains information to help you in deciding
whether to engage Positive Group and its related entities Positive
Lending Solutions Pty Ltd and Positive Home Loans Pty Ltd, to
provide you with Credit Assistance.
Services we provide:
We provide assistance with obtaining secured and unsecured
finance via our panel of accredited financiers. We refer to this as
providing credit assistance.
Financiers we use:
We assess the needs of every client on an individual basis. From our
large panel, below is the top 9 lenders whose products are
commonly most suitable for our clients:
Macquarie Liberty Pepper
AMMF Rate Setter Latitude
AFS Money 3 Finance 1
Our credit assistance obligations:
We are required by law to ensure that any credit product with
which we assist you can be deemed “not unsuitable” for you. To
help us determine a credit is not unsuitable we must make an
assessment that:
• You can meet your financial obligations under the credit
contract we provide credit assistance in obtaining without
substantial hardship; and
• The credit meets your requirements and objectives.
To help us make this assessment we will:
• Make inquiries about your financial situation and requirements
and objectives that we believe are relevant to the credit you are
applying for; and
• Take reasonable steps to verify your financial information,
including collecting evidence; and
• Use this information to determine whether the credit is
unsuitable for you.
Once we have completed our assessment, we will then use our
broking expertise to find a product from our panel of financiers that
meets your stated requirements and objectives.
© 2018 Positive Group Australia Pty Ltd | ABN 58 610 067 715 | Australian Credit Licence 484982
CREDIT GUIDE and QUOTE
If we provide you with credit assistance, you can request a copy of
this Preliminary Assessment on how we determined that any credit
contract we assisted you with was not unsuitable for you. You may
request this report up to 7 years after we provided you with this
assistance. We will provide a copy of the assessment within 7
business days if we provided the assistance less than 2 years from
your request. Otherwise, we will provide the copy within 21
business days.
Commission:
Positive Group and/or its employees, or Directors, or its related
entities, may receive commissions from a credit provider where we
have provided credit assistance to the applicant. These
commissions are not fees payable by you.
There are some occasions where this commission will be paid via
our finance aggregator, Connective Broker Services Pty Ltd -
Authorised Credit Representative Number 437202. Authorised
under Australian Credit Licence 389328.
This commission may at times be passed on in full, or in part, to
either our finance aggregator or our related entities.
In certain cases, some lenders may also provide additional
incentives to Positive Group. These incentives may be in the form
of volume bonuses, conferences, training and marketing
allowances, or other forms of incentives. The possible incentives
are not ascertainable at this time.
For more information relating to how the commission is
calculated, including a reasonable estimate of commission
payable, please ask us. Full details will also be provided in the Credit
Proposal Disclosure Document we provide if we submit a loan
application to a financier on your behalf.
Referral Fees:
In some cases, your business may have been referred to us from a
third party. Positive Group deals with both regulated and
non-regulated third-party referrers. Where this happens, we may
pay a referral fee to these parties. If we do pay a referral fee, then: 1)
the should have told you about this; and 2) we will either disclose
the actual fee in the Credit Proposal Disclosure Document we send
to you or we will instruct you that, if you want to know, you can ask
us about the fees and we will tell you how much was paid and how
it was worked out.
1
DocuSign Envelope ID: 83E026CA-B9B9-4713-8B9E-01C98BF9275D

CREDIT GUIDE and QUOTE

Conflict of Interest Taking it further:

While we have other services in our business that would benefit We hope that you will be satisfied with how we deal with your
our clients, you are under no obligation to use these services. complaint. However, if your concerns remain unresolved, or you
have not heard from us within 45 days, then you can lodge a
What if you are not happy with our service? complaint with the Australian Financial
At Positive Group, we always work hard to build strong and lasting
relationships with our valued customers. By listening to your Complaints Authority, or AFCA. AFCA provides fair and
feedback, not only can we address any immediate concerns you independent financial services complaint resolutions that are free
may have, we will also continually improve our products and to consumers. AFCA can be contacted by:
services.
• Telephone: 1800 931 678
If at any time you feel we have not met your expectations, or you • Online: www.afca.org.au
have a complaint about our service, please contact us and speak to • Website: www.cio.org.au
a manager so we can work towards a fair resolution. • Mail: PO Box 3, Melbourne, VIC, 3001

If you are not satisfied with the response you receive, you may Credit Quote:
formally lodge your complaint with a complaints officer in our Before we provide you with credit assistance, we must provide you
Internal Dispute Resolution Team. We have three ways you can with a Credit Quote. This quote details the fee that may be payable
contact our complaints officers: by you, to us, in return for the credit assistance we have provided.

• Telephone: 1300 722 210; or
• Email: complaints@positivegroup.com.au; or
• Mail: Attn Positive Group Client Services
962 South Road, Edwardstown, SA, 5039
If you choose to contact us by mail or email, please make sure you
provide as much detail as possible about your complaint.
We will try to deal with your complaint on the spot. However, if this
is not possible, we will write to you to acknowledge your
complaint within 5 business days. We will ensure we treat you fairly
and will work to resolve your complaint as soon as possible. In the
rare event we are still investigating your complaint after 45 days we
will write to you to explain why and to let you know when we
expect to have completed our investigation.
When we have completed our investigation we will write to let you
know the outcome and the reasons for our decision.
The maximum fee we will charge for providing credit assistance is
$3,000 inclusive of GST. In most cases, the fee will be included in
the finance amount of your loan and will be shown on the loan
contract, unless you instruct us otherwise. This fee is only payable
once per credit contract where we have provided credit assistance.
In the event your loan application is declined, or you choose not to
accept an approval offer, the fee is not payable. Before you accept
and sign any loan contract, the exact amount of the fee applicable
to the assistance we have provided will be fully disclosed. If you
have any questions relating to this fee, please ask.
ACKNOWLEDGEMENT AND ACCEPTANCE
Brandon Parkes
I, ,
have read and understand the Credit Guide and accept
the Credit Quote.

Signature:

Date Signed: 28 January 2020 | 08:44 ACDT

Case Number: 00274368

© 2018 Positive Group Australia Pty Ltd | ABN 58 610 067 715 | Australian Credit Licence 484982 2
Certificate Of Completion
Envelope Id: 83E026CAB9B947138B9E01C98BF9275D Status: Completed
Subject: [Privacy and CG&Q] Brandon Parkes 00274368
Case Number:
Source Envelope:
Document Pages: 5 Signatures: 2 Envelope Originator:
Certificate Pages: 5 Initials: 0 Positive Lending Solutions
AutoNav: Enabled 962 South Road,
EnvelopeId Stamping: Enabled Edwardstown, South Australia 5096
Time Zone: (UTC+09:30) Adelaide inbox@positivelendingsolutions.com.au
IP Address: 119.18.3.105

Record Tracking
Status: Original Holder: Positive Lending Solutions Location: DocuSign
1/28/2020 8:43:53 AM inbox@positivelendingsolutions.com.au

Signer Events Signature Timestamp

Brandon Parkes
phatskidz01au@gmail.com
Security Level:
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1/28/2020 8:43:54 AM, Sign In Each Location
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Sent: 1/28/2020 8:43:53 AM
Completed
Viewed: 1/28/2020 8:44:12 AM
Signed: 1/28/2020 8:44:47 AM
Signature Adoption: Drawn on Device
Using IP Address: 119.18.3.105
Signed using mobile

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00274368 Sent: 1/28/2020 8:44:48 AM
thai.le@positivelendingsolutions.com.au
Positive Group
Security Level: Email, Account Authentication
(None)
Electronic Record and Signature Disclosure:
Not Offered via DocuSign

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Payment Events Status Timestamps
Electronic Record and Signature Disclosure
Electronic Record and Signature Disclosure created on: 10/11/2018 5:24:23 PM
Parties agreed to: Brandon Parkes

ELECTRONIC RECORD AND SIGNATURE DISCLOSURE

From time to time, Positive Lending Solutions (we, us or Company) may be required by law to
provide to you certain written notices or disclosures. Described below are the terms and
conditions for providing to you such notices and disclosures electronically through your
DocuSign, Inc. (DocuSign) Express user account. Please read the information below carefully
and thoroughly, and if you can access this information electronically to your satisfaction and
agree to these terms and conditions, please confirm your agreement by clicking the æI agreeÆ
button at the bottom of this document.
Getting paper copies
At any time, you may request from us a paper copy of any record provided or made available
electronically to you by us. For such copies, as long as you are an authorized user of the
DocuSign system you will have the ability to download and print any documents we send to you
through your DocuSign user account for a limited period of time (usually 30 days) after such
documents are first sent to you. After such time, if you wish for us to send you paper copies of
any such documents from our office to you, you will be charged a $0.00 per-page fee. You may
request delivery of such paper copies from us by following the procedure described below.
Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any time
change your mind and tell us that thereafter you want to receive required notices and disclosures
only in paper format. How you must inform us of your decision to receive future notices and
disclosure in paper format and withdraw your consent to receive notices and disclosures
electronically is described below.
Consequences of changing your mind
If you elect to receive required notices and disclosures only in paper format, it will slow the
speed at which we can complete certain steps in transactions with you and delivering services to
you because we will need first to send the required notices or disclosures to you in paper format,
and then wait until we receive back from you your acknowledgment of your receipt of such
paper notices or disclosures. To indicate to us that you are changing your mind, you must
withdraw your consent using the DocuSign ôWithdraw Consentö form on the signing page of
your DocuSign account. This will indicate to us that you have withdrawn your consent to receive
required notices and disclosures electronically from us and you will no longer be able to use your
DocuSign Express user account to receive required notices and consents electronically from us
or to sign electronically documents from us.
All notices and disclosures will be sent to you electronically
Unless you tell us otherwise in accordance with the procedures described herein, we will provide
electronically to you through your DocuSign user account all required notices, disclosures,
authorizations, acknowledgements, and other documents that are required to be provided or made
available to you during the course of our relationship with you. To reduce the chance of you
inadvertently not receiving any notice or disclosure, we prefer to provide all of the required
notices and disclosures to you by the same method and to the same address that you have given
us. Thus, you can receive all the disclosures and notices electronically or in paper format through
the paper mail delivery system. If you do not agree with this process, please let us know as
described below. Please also see the paragraph immediately above that describes the
consequences of your electing not to receive delivery of the notices and disclosures
electronically from us.
How to contact Positive Lending Solutions:
You may contact us to let us know of your changes as to how we may contact you electronically,
to request paper copies of certain information from us, and to withdraw your prior consent to
receive notices and disclosures electronically as follows:
To contact us by email send messages to: inbox@positivegroup.com.au

To advise Positive Lending Solutions of your new e-mail address

To let us know of a change in your e-mail address where we should send notices and disclosures
electronically to you, you must send an email message to us at inbox@positivegroup.com.au and
in the body of such request you must state: your previous e-mail address, your new e-mail
address. We do not require any other information from you to change your email address..

In addition, you must notify DocuSign, Inc to arrange for your new email address to be reflected
in your DocuSign account by following the process for changing e-mail in DocuSign.

To request paper copies from Positive Lending Solutions

To request delivery from us of paper copies of the notices and disclosures previously provided
by us to you electronically, you must send us an e-mail to inbox@positivegroup.com.au and in
the body of such request you must state your e-mail address, full name, US Postal address, and
telephone number. We will bill you for any fees at that time, if any.
To withdraw your consent with Positive Lending Solutions

To inform us that you no longer want to receive future notices and disclosures in electronic
format you may:

i. decline to sign a document from within your DocuSign account, and on the subsequent
page, select the check-box indicating you wish to withdraw your consent, or you may;

ii. send us an e-mail to inbox@positivegroup.com.au and in the body of such request you
must state your e-mail, full name, IS Postal Address, telephone number, and account
number. We do not need any other information from you to withdraw consent.. The
consequences of your withdrawing consent for online documents will be that transactions
may take a longer time to process..

Required hardware and software

Operating Systems: Windows2000¬ or WindowsXP¬
Browsers (for
Internet Explorer 6.0¬ or above
SENDERS):
Browsers (for
Internet Explorer 6.0¬, Mozilla FireFox 1.0, NetScape 7.2 (or above)
SIGNERS):
Email: Access to a valid email account
Screen Resolution: 800 x 600 minimum
 ò Allow per session cookies
Enabled Security
ò Users accessing the internet behind a Proxy Server must enable HTTP
Settings:
1.1 settings via proxy connection
** These minimum requirements are subject to change. If these requirements change, we will
provide you with an email message at the email address we have on file for you at that time
providing you with the revised hardware and software requirements, at which time you will have
the right to withdraw your consent.
Acknowledging your access and consent to receive materials electronically
To confirm to us that you can access this information electronically, which will be similar to
other electronic notices and disclosures that we will provide to you, please verify that you were
able to read this electronic disclosure and that you also were able to print on paper or
electronically save this page for your future reference and access or that you were able to e-mail
this disclosure and consent to an address where you will be able to print on paper or save it for
your future reference and access. Further, if you consent to receiving notices and disclosures
exclusively in electronic format on the terms and conditions described above, please let us know
by clicking the æI agreeÆ button below.
By checking the æI AgreeÆ box, I confirm that:

 I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OF

ELECTRONIC RECORD AND SIGNATURE DISCLOSURES document; and
 I can print on paper the disclosure or save or send the disclosure to a place where I can
print it, for future reference and access; and
 Until or unless I notify Positive Lending Solutions as described above, I consent to
receive from exclusively through electronic means all notices, disclosures, authorizations,
acknowledgements, and other documents that are required to be provided or made
available to me by Positive Lending Solutions during the course of my relationship with
you.