CREDIT GUIDE & QUOTE

KEY INFORMATION:

This Credit Guide & Quote is provided by Lucrum Services Pty Ltd t/as Lendr360 (ABN 58 693 471 466),

Authorised Credit Representative #575722 of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit

Licence # 511803. Our address is 14 Horne Street, Sunbury, VIC 3429. Our contact details are phone – 03 5929

7488 and our email is info@lendr360.com.au.

OUR CREDIT SERVICES:

We will assist you to select a loan or lease to meet your needs. The credit providers we most commonly use are

DynaMoney, Metro, MoneyTech, Finance One, FlexiCommercial and Morris, although we do use others.

INFORMATION WE WILL REQUIRE FROM YOU:

We are obliged to ensure any loan or lease we suggest or assist you to apply for, including an increase to an

existing credit limit, is not unsuitable for your purposes. This includes if the loan or lease does not meet your

requirements or objectives, if you are unable to make the repayments, or you could only do so with substantial

hardship. Therefore, we will need some information from you. It is important that the information you provide

is entirely accurate.

COPIES OF OUR ASSESSMENT:

At any time within 7 years of us providing you with credit assistance, you may request a copy of the preliminary

credit assessment. We will provide you with this documentation within 7 business days of receiving your

request. However, if your request is more than 2 years after the date of our Credit Quote, we may take up to

21 business days after receiving the request.

FEES PAYABLE BY YOU TO US:

We may charge you up to $1,100 (incl. GST) as an Origination Fee for our services when providing credit

assistance, although this is only payable should the loan proceed. It is a one-off fee, payable at loan settlement.

This fee may be paid directly to us, or part of the loan disbursements. If via loan disbursement, this will increase

your loan by the fee amount.

FEES PAYABLE BY YOU TO THIRD PARTIES:

When the application for a loan or lease is submitted and ultimately proceeds to settlement, you may be

required to pay fees to third parties associated with the application; such as the credit provider’s application

fee, security registration fee, inspection fee or other fees. If applicable, these will be detailed in the Credit

Proposal document and provided to you before you apply for finance. You can ask us how they are worked out.

COMMISSIONS RECEIVED BY US:

Commissions may be payable to us by the credit provider for any loan or lease that is settled. The amount varies

between lenders and the amount of credit that you receive. These are not directly payable by you, and these

will be disclosed within the Credit Proposal document that will be provided to you before applying for finance.

You can ask us for an estimate of these commissions and how they are worked out.

COMMISSIONS PAYABLE BY US:

If you are referred to us by a third party, we may pay that entity a commission for the introduction of your

business. For example, we may pay commissions to real estate agents, car or boat dealerships and accountants.

These commissions are not directly payable by you. You can ask us for an estimate of these payments and how

they are worked out.

COMPLAINTS:

We hope that you’re pleased with our service, although if you do have a complaint, you can contact our

Complaints Officer via 03 5929 7488 or email via info@lendr360.com.au, or mail to the address listed above in

‘Key Information’. Please provide us with as much detail as possible in your complaint so we can address

promptly and hopefully resolve it to your satisfaction.

If you are not satisfied with the outcome of our attempt to resolve your complaint, you may refer the matter to

the Australian Financial Complaints Authority Australia on phone 1800 931 678 or by writing to GPO Box 3

Melbourne VIC 3001. The Australian Financial Complaints Authority Australia is a no-charge external and

independent dispute resolution service.

YOUR ACKNOWLEDGEMENT AND AGREEMENT:

• I/We acknowledge that I/we have read the contents of this document and understand its content.
• I/We acknowledge and agree that I/we will pay you up to the maximum quoted fees and charges for your services if you obtain approval for our loan and it subsequently settles.
• I/We understand that the fees in the amount of up to a maximum of $1,100 (incl. GST) will be included in the loan amount or lease repayments unless I/we have instructed otherwise.
• I/We acknowledge and provide my/our consent to receive this Credit Guide & Quote and any other disclosure documents such as the Credit Proposal by electronic means. The consent I/we provided is based on my/our understanding that paper disclosure documents may not be provided and therefore I/we will check nominated electronic communication means for receipt of these documents.
• I/We understand that I/we may withdraw my/our consent to receive these disclosure documents at any time by contacting the licensee as per above contact details.