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Personal Loan

General Terms & Conditions.

Effective date: 31 May 2021

Important note

This document does not contain all the terms of this loan agreement or all of the information we are required by law to give you before the agreement is made.

Further terms and information:

? about the loan are found in the St.George Personal Loan Offer ? about Internet and Phone Banking are found in the St.George Internet

and Phone Banking Terms and Conditions and Important Information booklet.

Contents

Important note 2

St.George Personal Loan General Terms and Conditions 5 1 What we lend and when 5 2 Interest charges 5 3 Loan Offset 6 4 Security 7 5 What you must pay and when 7 6 Other costs and charges 10 7 What happens to payments we receive? 11 8 Early repayment 11 9 Goods Security 11 10 Redrawing amounts 15 11 Break costs 17 12 If you are in default 20 13 General matters 22 14 GST 25 15 National Credit Code 25 16 Joint Accounts 26 17 Privacy Statement 26 18 Problems, errors and complaints 26 19Our Reporting Obligations 27 20 Meaning of words 28

Information Statement 31

The Contract 31 1 How can I get details of my proposed credit contract? 31 2 How can I get a copy of the final contract? 31 3 Can I terminate the contract? 32 4 Can I pay my credit contract out early? 32 5 How can I find out the pay out figure? 32 6 Will I pay less interest if I pay out my contract early? 32

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7 Can my contract be changed by my credit provider? 32 8Will I be told in advance if my credit provider

is going to make a change in the contract? 32 9 Is there anything I can do if I think that my contract is unjust? 33

Insurance 33 10Do I have to take out insurance? 33 11 Will I get details of my insurance cover? 34 12 If the insurer does not accept my proposal, will I be told? 34 13 In that case, what happens to the premiums? 34 14What happens if my credit contract ends before

any insurance contract over mortgaged property? 34

Mortgages 34 15 If my contract says I have to give a

mortgage, what does this mean? 34 16 Should I get a copy of my mortgage? 35 17Is there anything that I am not allowed to

do with the property I have mortgaged? 35 18What can I do if I find that I can not afford

my repayments and there is a mortgage over property? 35 19 Can my credit provider take or sell the mortgaged property? 36 20If my credit provider writes asking me where

the mortgaged goods are, do I have to say where they are? 36 21When can my credit provider or its agent come

into a residence to take possession of mortgaged goods? 36

General 36 22 What do I do if I cannot make a repayment? 36 23What if my credit provider and I can not agree

on a suitable arrangement? 36 24 Can my credit provider take action against me? 37 25 Do I have any other rights and obligations? 37

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St.George Personal Loan General Terms and Conditions

The meaning of words printed like this and some other key words is explained in the section entitled "Meaning of words" at the end of these terms and conditions. At the back of this booklet (in addition to the terms and conditions of your loan agreement) there is also a description of your major rights and obligations under the National Credit Code.

1 What we lend and when

We agree to lend you the amount of credit (by paying it as indicated in the Offer). However, we only have to lend you the amount of credit if: (a)we have received all documents (including securities and evidence of

any insurances) and information we require, in a form satisfactory to us; and (b)you are not in default under this loan agreement or under a security; and (c)you have not withdrawn from providing a security. You agree to repay the amount of credit, with interest, in accordance with this loan agreement. You must borrow the amount of credit within 7 days of the disclosure date.

About this loan agreement

This loan agreement consists of two documents: the St.George Personal Loan Offer and the St.George Personal Loan General Terms and Conditions. They should be read together.

2 Interest charges

Interest charges for each day are calculated by applying the daily

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