This document is issued by the Credit Provider: Cash Lab, Australian Credit Licence No.: 390571.

There are 4 SECTIONS included in this form.

By consenting to each section, at the end of this "Privacy and Electronic Communications Consent Agreement" form, you are indicating that you have carefully read and given willing, informed, direct and not implied consent to the contents of each section.

Please read each Section carefully.

SECTION 1

PRIVACY CONSENT AGREEMENT

Also constituting a Statement of Notifiable Matters

By signing or otherwise consenting to this agreement, you consent to Cash Lab collecting (verbally and in writing), holding, using and disclosing personal identification and credit information about you. If you do not provide us with this consent we will be unable to provide you with a loan. This policy contains detailed information concerning the company's management and use of your information and constitutes a Statement of Notifiable Matters, with content in accordance with that prescribed by Clause 4.1 in the Credit Reporting Privacy Code.

As well as reading this document, you are strongly encouraged to read the Credit Information (Privacy) Management Policy on our website, www.cashlab.com.au, and/or provided in hard or electronic copy as you may request, before you provide any personal information. In all our dealings with you, we will assume that you have done so.

The Commonwealth Privacy Act 1988, as amended, the Commonwealth Privacy Regulations 2013, and the Credit Reporting Privacy Code 2014 empower and regulate Cash Lab in accordance with the following.

Use of your Information – Australian Privacy Principle 6

In accordance with Sections 21G, 21H, 21J and 21M of the Privacy Act, Cash Lab collects and holds your personal identification and credit information only for the following purposes:

• To verify your identity and other information provided;
• To assess any application you make for a loan;
• To assess your financial circumstances;
• To help us process your application for a loan in an efficient manner;
• To avoid the chance you may default on your payment obligations;
• To notify you of a default;
• To notify other lessors of a default;
• To facilitate the collection of overdue payments;
• To efficiently manage and administer the loan and any services we provide to you;
• To introduce you to another lessor, when we act as a referrer.

SECTION 2

Information Disclosure and Communications Under the SPAM Act 2003

You are informed that Section 16 of the Spam Act provides that Cash Lab cannot communicate with you via a "commercial electronic message" (email, fax, SMS) without your consent.

As you would expect, for speed and convenience, where possible and with your permission, Cash Lab would prefer to communicate with you using such electronic means. Without your permission, written communications will have to be conveyed by Australia Post.

SECTION 3

The Electronic Transactions Act 1999

You are informed that the Electronic Transactions Act requires that, before Cash Lab can communicate with you electronically (email, fax, SMS), you also have to give permission under that Act for Cash Lab to communicate with you in that way.

We seek your permission to:

• Electronically format and send you the information that we are obliged to provide under the National Consumer Credit Protection Act 2009 and associated Regulations;
• Send you electronic messages, rather than providing paper copies.

You are informed that, in giving this permission, you are agreeing to:

• Use the relevant computer programs and have sufficient internet capacity to interact with Cash Lab' system;
• Regularly check your email Inbox and/or fax machine and/or SMS Inbox;
• Not blame Cash Lab if any properly sent electronic message does not reach you;
• Notify Cash Lab of any changes to your electronic addresses, and absolve Cash Lab from any liability if you fail to do so.

We remind you that you can withdraw your permission for the above at any time, provided you give Cash Lab 24 hours' notice, confirming your current address and contact details.

SECTION 4

Information Disclosure Under the Commonwealth Anti-Money Laundering and Counter-Terrorism Legislation

You are informed that, under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act), there are provisions for the use of credit reporting information to assist in identity verification. By consenting to this section, you attest that Cash Lab has informed you of the following statutory provisions.

Under Section 35A(1), this can include the electronic provision of your name and/or address and/or date of birth, as you may have provided to us, to a credit reporting body. This information can and frequently has to be provided to credit reporting bodies by Cash Lab for a matching process entailing comparison with personal information about you they already have on their files.

If there is no satisfactory match found and/or the level of verification which we must seek, as part of both our AML/CTF responsibilities and our mandatory credit unsuitability/suitability assessment process under the National Consumer Credit Protection Act 2009 and associated Regulations, is not achieved, we must give you the opportunity to verify your identity by alternative means.

In these circumstances, if you choose not to attempt to verify your identity by contacting the credit reporting body yourself, or by alternative means, or your contact with the credit reporting body is unsuccessful, or we determine that the alternative has failed to provide adequate identity verification, we cannot provide you with a loan. To do so would threaten Cash Lab Australian Credit Licence.

Please note that we have to keep a record for 7 years regarding which credit reporting body wecontacted, the personal information we provided and the assessment with which we were supplied.