Questionnaire

1. What credit products does Pepper Money offer?: a) Home Loans b) Car and Equipment Loans c) Personal Loans d) CRE Loans e) All of the above

2. What colour coding system does Pepper Money use to help brokers easily identify home loan product range?: a) ‘Red’ for Prime; ‘Amber’ for Near-Prime; ‘Green’ for Specialist b) ‘Green’ for Prime; ‘Amber’ for Near-Prime; ‘Red’ for 'Specialist' c) ‘Yellow’ for Prime; ‘Amber’ for Near-Prime; ‘Red’ for Specialist

3. Pepper Money has a unique cascading underwriting approach where one application will be automatically accessed under 3 credit policies. Which product range will the application always be assessed under first?: a) Prime b) Near Prime c) Specialist

4. Which statement best describes Pepper Money’s approach to assessing home loans: a) Every home loan application is manually assessed by an expert underwriter b) Applications submitted by 1pm (AEDT) will receive an answer on the same day c) Credit scoring is not used d) All of the above

5. Pepper Money has no affiliation with a LMI provider. What does this mean for applications?: a) Loans are underwritten in-house b) There is no reliance on approval from a third party LMI provider c) Slower turnaround d) 1 & 2 correct

6. When applying for a Pepper Alt Doc loan, a client must complete an income declaration form that declares their income position at the time of application. For a standard near prime or specialist application, this also needs to be supported with one of three of which following documents?: a) 3 Months BAS or 3 Months Business Banking Statements or Pepper Money Accountants Letter b) 6 Months BAS or 6 Months Business Banking Statements or Pepper Money Accountants Letter c) 12 Months BAS or 12 Months Business Banking Statements or Pepper Money Accountants Letter

7. A client should only be offered an Alt Doc Loan once the preliminary assessment has been completed and it is clear that the client doesn’t have the required documentation for a Full Doc loan. Which of the below scenarios could an ‘Alt Doc’ loan be a suitable solution?: a) Borrower who is newly self-employed b) Borrower with incomplete tax returns c) Contractor with irregular income. d) All of the above

8. A self-employed client will need to satisfy which of the following options to meet the Pepper’s Prime Alt Doc requirements:: a) 24 Month ABN, 12 Month GST, Declaration of financial income plus 1 supporting document. b) 24 Month ABN, 12 Month GST, Declaration of financial income plus 2 supporting document. c) 12 Month ABN, 6 Month GST, Declaration of financial income plus 3 supporting document.

9. A self-employed client will need to satisfy which of the following options to meet the Pepper’s Near Prime Alt Doc requirements:: a) 24 Month ABN, 12 Month GST, Declaration of financial income plus 1 supporting documents. b) 24 Month ABN, 12 Month GST, Declaration of financial income plus 2 supporting documents. c) 12 Month ABN, 6 Month GST, Declaration of financial income plus 1 supporting documents.

10. A self-employed client will need to satisfy which of the following options to meet the Pepper’s Specialist Alt Doc requirements:: a) 24 Month ABN, 12 Month GST, Declaration of financial income plus 2 supporting documents. b) 24 Month ABN, 12 Month GST, Declaration of financial income plus 1 supporting documents. c) 6 Month ABN, 6 Month GST, Declaration of financial income plus 1 supporting document.

11. What support options do you have access to with Pepper Money?: a) Online broker portal www.pepper.com/broker b) Dedicated scenarios team (2-hour response turnaround) c) Contact a state-based Business Development Manager d) All of the above

12. What is the maximum term for a CRE product.: a) 10 Yrs b) 15 Yrs c) 30 Yrs

13. Does Pepper offer development finance: a) Yes b) No

14. What supporting information is required for a Lease Doc facility?: a) Financial Statements b) Tax Returns c) Lease d) All of the above

15. What is the maximum LVR available for a pepper CRE loan: a) 60% b) 65% c) 70% d) 75%

16. Is standalone vacant industrial land an acceptable security: a) Yes b) No

17. What is the maximum Interest Only Term Offered: a) 1 Year b) 3 Years c) 5 Years

18. Which of the following aren’t acceptable securities: a) Industrial Warehouse b) Retail shop front c) Child care centre d) Strata office, boarding House e) Motel

19. How many consolidated debts are allowed under Pepper Commercial Prime: a) 2 b) 4 c) 6 d) 8

20. How is an application lodged to Pepper?: a) Faxed b) Emailed c) Apply online

21. Which of the following loans are regulated?: a) Purchase of residential investment property b) Purchase of a Commercial mixed use (Ground Floor retail and 1st floor residential) investment property c) Purchase of a Commercial Industrial warehouse d) Refinance of strata office for investment purposes

All applications are subject to the credit provider’s credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper Money’s Privacy Policy & the credit provider’s Privacy Policy.

©Pepper Money Limited ABN 55 094 317 665; AFSL 286655; Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans.