Declaration to be agreed upon by borrower(s) or introducer (if completed by introducer, see below) The undersigned (sometimes also referred to herein as "I" or "We") specifically acknowledge(s) and agree (s) that:

(1) the loan requested by this application will be secured by a good and valid first legal charge on the property described herein;

(2) the property will not be used for any illegal or prohibited purpose or use;

(3) occupation of the property will be as described above;

(4) the Lender, it’s agents, successors and assigns (sometimes also referred to herein as "You") will rely on the information contained in this application and I/we have a continuing obligation to amend and/or supplement the information provided in the application if any of the material facts which I/we have represented herein should change prior to completion;

(5) ownership of the loan may be transferred to a successor or assign of the Lender and administration for the loan account may be transferred to an agent, successor or assign of the Lender, in each case without further consent of or notice to me/us;

(6) the Lender, its agents, successors and assigns make no representations, warranties or conditions, expressed or implied, statutory or otherwise, to the Borrower(s) regarding the property or the value of the property.

I/we warrant and confirm that the information provided in this application is true and correct and I/we understand that is being used to determine my/our credit responsibility.

The Lender, its agents, successors, affiliates and assigns are authorised and I/we consent to and accept this as prior notice of, you collecting, using and disclosing credit reports as well as contact, employment and financial information about me/us for the purposes of evaluating this application, determining my/our credit worthiness, administering, managing, or insuring the requested loan, securitising or otherwise selling or assigning your interest in the requested loan or any part thereof, and any other purposes required or permitted by law.

You may collect this information from me/us and /or from credit bureaus, credit reporting agencies banks and other financial institutions, your own affiliates and their professional advisers, debt collection agencies, other lenders (other than banks) and regulatory, tax and prosecuting authorities, my/our accountant and other financial advisors, my/our employer, my/our past and existing transactions with you and your affiliates and non-affiliated third parties with whom I/we have/has financial dealings.