By submitting this finance application, I/we acknowledge, declare and authorise the following:

1. Applicant Declaration

I/We declare that:

1. I am/we are at least 18 years of age.

2. All information provided in this application, including personal, employment, financial and asset-related information, is true, correct and complete to the best of my/our knowledge.

3. I/We have not knowingly provided false, misleading or incomplete information.

4. I/We have disclosed relevant insolvency or bankruptcy circumstances where requested.

5. I/We understand that providing incorrect or misleading information may result in an application being declined or withdrawn.

6. I/We understand that submitting an application does not guarantee finance approval.

2. Authority to Process Finance Applications

I/We authorise Stallion Finance Limited to:

• Collect and use the information provided in this application.

• Request additional supporting documents where reasonably necessary.

• Verify information provided by me/us through relevant third parties, subject to applicable law.

• Submit my/our application and supporting documentation to participating lending providers for consideration.

• Communicate with participating lenders regarding my/our application.

• Receive information about application progress, additional requirements, offers and lending decisions.

• Communicate lender offers and relevant terms to me/us for consideration.

• Assist with the administrative requirements involved in progressing an application.

I/We acknowledge that each participating lender will make its own assessment and lending decision.

Stallion Finance does not make lending decisions or provide regulated financial advice.

3. Credit Assessment and Credit Reporting

I/We authorise Stallion Finance and participating lenders, to the extent legally permitted, to:

1. Obtain or facilitate credit checks with authorised credit reporting agencies for the purpose of assessing my/our application.

2. Disclose information reasonably necessary to carry out those credit checks.

3. Obtain relevant credit information and financial references from authorised sources.

4. Verify relevant information with credit providers, financial institutions, employers, accountants or other nominated parties where appropriate and lawful.

5. Use the information obtained for assessing and processing the finance application and related lawful purposes.

I/We understand that credit reporting agencies may retain and disclose credit information in accordance with the Credit Reporting Privacy Code 2020.

I/We acknowledge that participating lenders may conduct their own credit assessments and retain information in accordance with their own privacy policies.

I/We understand that credit enquiries may appear on my/our credit file.

4. Asset and Security Verification

Where my/our application involves financing or refinancing a motor vehicle, commercial vehicle, machinery, equipment or another eligible asset, I/we authorise relevant asset-related checks where lawful and necessary.

These may include:

• Verification of vehicle or asset details.

• Confirmation of registration information.

• Searches for existing security interests.

• Checks against the Personal Property Securities Register.

• Relevant Motor Vehicle Register enquiries.

• Verification of information provided by a seller, dealer or supplier.

I/We understand that an asset valuation or inspection may be required by a lender.

Where any valuation, inspection or third-party service involves an additional cost payable by me/us, that cost will be disclosed for my/our acceptance before it is incurred on my/our behalf.

5. Disclosure to Lending Providers

I/We authorise Stallion Finance to provide my/our application information and relevant supporting documentation to participating lenders for the purpose of considering and processing my/our asset finance application.

I/We understand that lenders may:

• Assess my/our creditworthiness and affordability.

• Verify information supplied.

• Request additional documents.

• Obtain credit reports where authorised and permitted.

• Determine applicable lending terms, interest rates and fees.

• Approve or decline the application.

• Retain information in accordance with their legal obligations and privacy policies.

I/We acknowledge that a lender's offer is subject to its own terms and conditions.

I/We remain responsible for reviewing and deciding whether to accept any finance offer.

6. Information Sharing with Dealers and Referral Partners

Where my/our application has been introduced by a vehicle dealer, asset supplier or another referral partner, I/we authorise Stallion Finance to communicate information reasonably necessary for managing that referral and any associated asset purchase.

This may include application status, requests for outstanding information and the outcome of the application.

I/We understand that detailed personal financial information, credit reports and supporting documents will not automatically be disclosed to the referral partner without appropriate authorisation or another lawful basis.

7. Communication and Record-Keeping

I/We authorise Stallion Finance to contact me/us by telephone, email, text message or other contact methods provided in connection with my/our application.

I/We understand that relevant application communications and records may be retained for legitimate business, compliance and dispute resolution purposes.

Where calls are recorded, recordings will be handled in accordance with the Stallion Finance Privacy Policy.

8. Privacy Acknowledgement

I/We acknowledge that:

• I/We have been provided with access to the Stallion Finance Privacy Policy.

• My/our personal information will be collected, used, stored and disclosed for the purposes explained in that policy and this declaration.

• Information may be provided to participating lenders and other relevant third parties where authorised or permitted by law.

• I/We have the right to request access to and correction of my/our personal information.

• I/We may contact Stallion Finance regarding privacy-related concerns or requests.

9. Commissions, Referral fees and incentives

Commission is paid to stallion finance by the approved lenders for which we act as a credit representative and provide you with credit assistance. The total amount of commission we may receive in relation to your loan may vary depending on the lender, the term, the features, the amount of the loan you ultimately choose and the amount and timing of the repayments that you make. These commissions are paid to Stallion Finance in the month following settlement of your loan. Where your loan is paid out earlier than the full term of the loan, we may be subject to a clawback of these commissions on a pro rata basis.

We receive referrals from a broad range of sources and we may pay fees to these sources (e.g. existing Stallion Finance customers, motor dealers, real estate agents, mortgage brokers or accountants) for referring you to us. You do not pay these fees. Total fees paid by us for this finance proposal are estimated to be a percentage split of any commissions we receive between 0% to 50%, or a fixed amount agreed with the referrer.

As a customer of Stallion finance, when you refer a friend or family member who successfully obtains finance with us, we will pay you a referral fee of $ 200 per finance contract settled.

10. Final Acknowledgement

I/We confirm that I/we have read and understood this declaration and authorisation.

By submitting the application, I/we consent to the collection, use, verification and disclosure of my/our information as described above.

Where multiple applicants are involved, each applicant must provide their own authorisation, unless a person has valid legal authority to act on another applicant's behalf.

Stallion Finance Limited

FSP1004300 | NZBN 9429049433432

www.stallionfinance.co.nz