This Credit Guide has been generated by:

Broker/OurUs
Organisation/Trading Name	SMS Finance
Address	Suite 13, The Sebel Building, 20 Aerodrome Road Maroochydore, QLD, 4558
Phone	0754300900
Mobile	0409-588-439
Email Address	homeloans@smsfinance.com.au
Australian Credit Licence name and number	SMS FINANCE 2 PTY LTD (Australian Credit Licence 518693) (Licensee)
Australian Company Number of ACL holder	632095008

BROKER CREDIT GUIDES

• John McNamara – https://www.smsfinance.com.au/Home/CreditGuideJohnMcNamara-523/
• Brenden Brial – https://www.smsfinance.com.au/Home/CreditGuideBrendenBrial-525/
• Joshua Carlton – https://www.smsfinance.com.au/Home/CreditGuideJoshuaCarleton-526/
• Jonno Scaroni – https://www.smsfinance.com.au/Home/CreditGuideJonnoScaroni-527/

Lender and Products

As a broker, we are able to offer choice across a number of products and have the opportunity to be accredited to arrange loans with the following lenders: As at 30/09/2024. The lenders listed above are part of our aggregator’s, Australian Finance Group Ltd (AFG), lender panel through which we submit loan applications. In order to submit loan applications to these lenders, a broker is required to be accredited with that lender. We are not accredited with each of the lenders listed above. Typically, brokers are accredited with 10 to 15 lenders. If we are not accredited with a lender in the panel above, we can refer you to another AFG broker who is accredited with that lender. Please contact me for further information.

AFG Home Loans – Alpha	AFG Home Loans – Retro	ANZ
ANZ Asset Finance	Bank of QLD	CBA Asset Finance
Capital Finance	Commonwealth Bank	Grow Finance
La Trobe Financial	Latitude Financial Services	Macquarie Bank
Metro Finance	Moneyplace	NAB
NAB Asset Finance	NAB Commercial	NOW Finance
Pepper Asset Finance	Plenti	St George Bank
Thinktank	Westpac	Wisr

Commonly used lenders by Licensee

Fees, Charges, Commission and Disclosures
Fees payable by you to third parties	When the loan application is submitted, you may need to pay the lender’s application fee, valuation fees, or other fees that are associated with the loan application process, even if application for the loan is ultimately unsuccessful.
Fees payable by you to us or the Licensee	If a fee is payable by you, this will be disclosed in a Credit Quote that will be provided to you. If a Credit Quote is not supplied, this will indicate that we do not charge consumers any fees.
Payments received by us or the Licensee	We, and our Licensee or aggregator Australian Finance Group Ltd (AFG), may receive fees, commissions, or financial rewards from lenders or lessors in connection with any finance we arrange for you. These fees are not payable by you. The commission / brokerage amount depends on the amount of the finance and may vary from product to product. We can provide you with information about a reasonable estimate of those commissions and how the commission is worked out if you require. Commissions are paid based on a percentage of the loan balance that is drawn down which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to us by lenders may vary. By following the responsible lending requirements, we will ensure the loan recommended to you is not unsuitable for your situation and objectives.
Fees payable by us to third parties	We may pay fees to call centre companies, real estate agents, accountants, or lawyers and others for referring you to us.  These referral fees are generally small amounts in accordance with usual business practice. These are not fees payable by you. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out. From time to time, we may also remunerate other parties through payments, rewards or benefits.
Tiered Servicing Arrangements	Through our relationships with lenders, we may have access to tiered servicing arrangements. The benefits of this access to these arrangements can include faster processing, better information or greater levels of assistance provided for obtaining loan approval. We will advise you of any tiered service arrangements that are in place with a particular lender that we have proposed at the time recommendations are made. Access to this program is not based solely on the volume of new or existing lending our clients have with each respective lender and does not entitle us to any additional commissions or payments outside of what we have disclosed to you, or any preferential client discounts.
Other disclosures, benefits or interests we or others may receive	We are prohibited from accepting gifts or inducements over $300. Any benefit given to your broker greater than $100 and less than $350 will be recorded in a Gifts Register. A copy of our register is available to inspect on request. If you wish to inspect the register, please contact us. Referrals We may receive referrals from a range of sources, including accountants, financial planners, real estate agents and others. If you were introduced or referred to us, we may pay the referrer a commission, fee or remunerate them in other ways.  Details of any commission or fees being paid to the referrer will be included in the Credit Proposal Disclosure document provided to you. Credit & Valuation Reports We may be provided access to free services such as credit report and valuations from our lenders. Details of any relevant services we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you. Multiple Roles We may act in other roles or capacities related to the credit assistance provided to you. Each business activity is separate however we may be paid remuneration in our other business activities as a result of the credit assistance provided to you. Further details of any relevant remuneration we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you. Where we are unable to act due to a conflict of interest that cannot be managed appropriately, I will refer you to another party who will provide you services. Related Parties We have relationships with a number of related parties and associates. Details of any remuneration or possible conflicts will be included in the Credit Proposal Disclosure document provided to you. Shareholding We may directly or indirectly hold shares or other securities in AFG or the lenders we recommend. Details of any material holdings will be included in the Credit Proposal Disclosure document provided to you. If the material holding does not enable us to act due to a conflict of interest that cannot be managed appropriately, we will refer you to another party who will provide you services. Ownership Structures I may act in other roles or capacities related to the credit assistance I provide to you. Each business activity is separate however I may be paid remuneration in my other business activities as a result of the credit assistance we provide to you. Further details any will be included in the Credit Proposal Disclosure document I provide to you. Where I am unable to act in more than one capacity, I will refer you to another party who will provide you services that I am unable to due to a conflict of interest that cannot be managed appropriately by me. AFG & AFG Home Loans AFG Home Loans Pty Ltd (including AFG Securities Pty Ltd) are wholly owned subsidiaries of AFG. AFG may receive additional remuneration for any white label AFG Home Loans or securitised AFG Securities products that are settled. The remuneration received is in addition to those amounts paid to AFG as a mortgage broker aggregator and/or licensee. Details of this remuneration will be disclosed in your AFG Home Loan documentation. Referrals to an associated entity We may refer you to the following associated entities and may receive a direct or indirect benefit from any referral we make to this provider. You can request further details about our associated entity arrangements prior to us providing you with credit advice. We are committed to acting in your best interests when providing you with credit advice, as such we will be transparent and disclose any benefits we may receive via an associated entity in our recommendations to you. Associated Entity Nature of association LA Insurance Pty Ltd ABN 16 610 540 577 Lending Association & all associated entities are wholly owned by the same entity Doctors Only Pty Ltd ABN 19 655 254 238 Lending Association Pty Ltd ABN 91 149 564 250 LA Private Pty Ltd ABN 19 663 204 377 SMS Finance 2 Pty Ltd ABN 92 632 095 008 AgFin Australia Pty Ltd ABN 31 662 573 015

How are we paid?

We may receive a whole or part of the commissions received by the Licensee referred to above. This may be paid to us directly or indirectly from the Licensee. You may obtain from us information about a reasonable estimate of those commissions and how the commission is worked out if you wish. Commissions are paid based on a percentage of the loan balance that is drawn down; which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to your broker by lenders may vary. By following the responsible lending requirements your broker will ensure the loan recommended to you is not unsuitable for your situations and objectives.

FEES PAYABLE TO THIRD PARTIES BY US

The information set out above in relation to referral fees and other fees payable to third parties also applies to us. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out.

Complaints

If you have a complaint about the service that we provide, the following steps or avenues for resolution are available to you.

STEP 1

Most complaints arise from miscommunication and can usually be fixed quickly. So, please contact your broker first and express your concerns. You can request a written response at this time, even if the complaint is resolved in the first 5 working days.

STEP 2

If the issue is not satisfactorily resolved within 5 working days by talking with your broker, we will apply our internal complaints process to manage your complaint appropriately. In this instance, the complaint will be internally escalated to our Complaints Officer. You may also contact the Complaints Officer directly. Complaints Officer

Name	Steve Bourne
Phone	0754300900
Email	Steve.Bourne@smsfinance.com.au
Address	Suite 13, The Sebel Building, 20 Aerodrome Road, Maroochydore Qld 4558

Note: In some instances we may also be fulfilling the role of the Complaints Officer. This will not affect the capacity to have your complaint dealt with appropriately. By using our internal complaints process we hope to assist you to resolve your complaint quickly and fairly. The maximum timeframe in which to provide a written response to you is 30 days, although in pursuit of best practice and the reputation of our organisation, we aim to resolve these issues in a much shorter time frame.

STEP 3

Although we try hard to resolve a client’s concern in the most considerate and direct manner, if you are not completely satisfied after the above steps have been attempted, you still have other avenues available to resolve the dispute. This is then managed externally and independently. The Australian Securities and Investments Commission external dispute resolution (EDR) process is available to you, at no cost at the contact details below.

	EDR (Licensee)
Name	AFCA
Phone	1800 931 678
Email	info@afca.org.au
Online	https://afca.org.au/make-a-complaint
Address	Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001

Things you should know We don’t make any promises about the value of any property you finance with us or its future prospects.  You should always rely on your own enquiries.

Privacy Statement

SMS Finance 2 Pty Ltd ABN 92 632 095 008 ‘SMS Finance needs to collect personal information about you to provide you with our broking & related services.  This privacy statement tells you how we collect your information, what we use the information for and who we share the information with.  If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection. SMS Finance 2 Pty Ltd ABN 92 632 095 008 is a related body corporate of Lending Association Pty Ltd ABN 91 149 564 250, which holds Australian Credit Licence 401226. In this document, ‘SMS Finance’, ‘we’, ‘us’, and ‘our’ are references to SMS Finance, Lending Association, and any related bodies corporate (collectively the LA Group of companies). Collection of your information We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us. We may verify that information from sources referred to in the responses to those enquiries or in this privacy statement. How information is collected from other sources Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits.  We will do this only if it’s reasonably necessary to do so, for example, where:

• We collect information from third parties about a loan or lease in relation to which you seek our services;
• We can’t get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties to update your contact details; or
• We exchange information with your legal or financial advisers or other representatives.

When the law authorises or requires collection of information Some law may require us to collect personal information about you. For example, we may require your information to verify your identity under Australian Anti-Money Laundering law. How your information may be used We may use and disclose your personal information to our associated entities, our brokers, our panel of lenders, other service providers and agents that we use in the ordinary course of our business, such as:

• Giving you credit assistance;
• Giving you information about loan products or related services including help, guidance and advice;
• Considering whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer;
• Assisting you to prepare an application for a lease or a loan;
• Administering services we provide, for example, to answer requests or deal with complaints;
• Administering payments we receive, or any payments we make, relating to your loan or lease;
• Telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
• Identifying opportunities to improve our service to you and improving our service to you;
• Telling you about other suppliers, with whom we have arrangements, that supply goods or services that may be of interest to you;
• Allowing us to run our business efficiently and perform general administrative tasks;
• Preventing or investigating any fraud or crime or any suspected fraud or crime;
• As required by law, regulation or codes binding us; and
• Any purpose to which you have consented.

You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable. What happens if you don’t provide information? If you don’t provide your information to us, it may not be possible to: •   assist in finding a loan or lease relevant to your circumstances; •   verify your identity or protect against fraud; or •   let you know about products or services that might be suitable for your financial needs. Sharing Your Information General We may use and share your information with other organisations for any purpose described above. Sharing with your representatives and referees We may share your information with:

• your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and
• your referees, like your employer, to confirm details about you.

Sharing with third parties We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested.  Those third parties may include:

• the Broker Group through whom we submit loan or lease applications to lenders or lessors on the Broker Group’s panel. You can access the Broker Group’s privacy notice at https://www.afgonline.com.au/privacy-policy/.
• It sets out how that Broker Group manages your personal information and where you can find its privacy policy;
• Referrers that referred your business to us;
• Financial services suppliers with whom we have arrangements;
• Valuers;
• Lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;
• Organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;
• Government or regulatory bodies as required or authorised by law.  In some instances, these bodies may share the information with relevant foreign authorities;
• Guarantors and prospective guarantors of your loan or lease;
• Service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information;
• Any organisation that wishes to take an interest in our business or assets; and
• Any third party to which you consent to us sharing your information.

In providing your personal information you consent to us collecting, storing and using your personal information in the manner set out in this document and you consent to us disclosing your personal information to our associated entities and each of their officers, contractors, employees and agents who may collect, store and use your personal information in the manner set out in this document. Sharing outside of Australia We may use overseas organisation to help conduct our business. As a result, we may need to share your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are:

• India
• Fiji
• United Kingdom

We may store your information in cloud or other types of networked or electronic storage.  As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed. Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure. Information about other people If you give information to us about another person (like your co-applicant) in relation to the services we provide, you will let that other person know that:

• we have collected their information to provide those services or for any other purpose set out in this privacy notice;
• we may exchange this information with other organisations set out in this privacy notice;
• we handle their personal information in the way set out in our Privacy Policy and this privacy notice and they can:
  • access or request a copy of that privacy policy or this privacy notice; or
  • access the information we hold about that other person,
• by using our contact details above; and
• we may not be able to provide those services to you unless we obtain their information.

Access and alterations to your personal information You can gain access to your personal or company information or advise alterations to that information by contacting our office: Contact Person: Steve Bourne Address: Suite 13 The Sebel, 20 Aerodrome Rd, Maroochydore, QLD 4558 Phone: 07 5430 0900 Email: Steve.Bourne@smsfinance.com.au Information which is easily accessible will be provided to you free of charge. However, information which is more difficult to access may have a fee associated with the request. You can also contact us for more detailed information on how we collect, handle and secure your personal information. Marketing From time to time, SMS Finance may contact you with information about products from either ourselves or our industry affiliates that we believe may interest you.  To opt-out of receiving such information, simply let us know by contacting us directly using the office details above. Security of your personal information SMS Finance takes reasonable steps to ensure the security of your personal or company information from unauthorised access, theft or modification. Updating your personal information SMS Finance takes reasonable steps to ensure that the personal information we hold about you is accurate, complete and up to date. If you believe that the information we hold is not up to date or is inaccurate, please contact us so we can update our records and ensure we continue to provide quality services to you. Feedback on the handling of your personal information Should you be unsatisfied in the manner in which SMS Finance has handled your personal information please contact us (per details listed above). We will take all necessary steps to investigate and address your concerns. If the issue you have raised is not resolved to your satisfaction you should contact the Office of the Australian Information Commissioner at: Phone:      1300 363 992 Email:        enquiries@oaic.gov.au Mail:          GPO Box 5218 SYDNEY NSW 2001 You can learn more about the Privacy Act and your rights at www.privacy.gov.au