Common use of Right to Cancel Clause in Contracts

Right to Cancel. You are entitled to cancel this Agreement by giving notice to FNL. Time limits for cancellation You must give notice that you intend to cancel this Agreement: a. within 5 working days of the statement date on the front of this document if this Disclosure Statement is given to you in person; or b. within 7 working days of the date the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. within 9 working days of the date of posting if this Disclosure Statement is posted to you. Saturday, Sundays and national public holidays are not counted as working days. How to cancel To cancel, you must give to FNL written notice that you intend to cancel the Agreement by • giving notice to FNL or an employee or agent of FNL; or • posting the notice to FNL; or • emailing the notice to FNL’s email address (specified at the top of this Disclosure Statement); or • sending the notice to FNL’s fax number (specified at the top of this Disclosure Statement). You must also, within the same time, return to FNL any advance and any other property received by you under the agreement. What you may have to pay if you cancel? If you cancel the Agreement, FNL can charge you the amount of any reasonable expenses FNL had to pay in connection with the Agreement and its cancellation (including legal fees and fees for credit reports, etc). If you cancel the Agreement, FNL can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FNL for a hardship variation. To apply for a hardship variation, you need to: a. Make an application in writing; and b. Explain your reason(s) for the application; and c. Request one of the following: • an extension of the term of the Agreement (which will reduce the amount of each payment due under the Agreement); or • a postponement of the dates on which payments are due under the agreement (specify the period for which you want this to apply); or • both of the above; and d. Give the application to FNL. Do this as soon as possible. If you leave it for too long, FNL may not have to consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions scheme. This scheme can help you to resolve any disagreement you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe creditor. Time limits for cancellation • You must give notice that you intend to cancel this Agreement: a. a contract within 5 working days of the statement date on the front of this document if this Disclosure Statement is given to you in person; or b. within 7 working days of the date the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. within 9 working days of the date of posting if this Disclosure Statement is posted to youdocument. SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, cancel you must give to FNL the creditor written notice that you intend to cancel the Agreement a contract by – • giving notice to FNL the creditor or an employee or agent of FNLthe creditor; or • posting the notice to FNLthe creditor or an agent of the creditor; or • emailing the notice to FNLthe creditor’s email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • sending the notice to FNLthe creditor’s fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, also return to FNL the creditor any advance and any other property received by you under the agreementcontract. What you may have to pay if you cancel? cancel If you cancel the Agreement, FNL contract the creditor can charge you the amount of any reasonable expenses FNL the creditor had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc). If you cancel the Agreementcontract, FNL the creditor can also charge you • interest for the period from the day you received the advance until the day you repay the advanceadvance and • If any returned property has been damaged while in your possession, the costs of repairing the damage. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FNL the creditor for a hardship variation. To apply for a hardship variation, you need to: a. Make an application in writing; and b. Explain your reason(s) for the application; and c. Request one of the following: • an extension of the term of the Agreement (which will reduce the amount of each payment due under the Agreement); or • a postponement of the dates on which payments are due under the agreement (specify the period for which you want this to apply); or • both of the above; and d. Give the application to FNL. Do this as soon as possible. If you leave it for too long, FNL may not have to consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions scheme. This scheme can help you to resolve any disagreement you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER:

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe lender. Time limits for cancellation *You must give notice that you intend to cancel this Agreement: a. a contract within 5 working days of the statement date on the front of this document if this Disclosure Statement is given to you in person; or b. within 7 working days of the date the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. within 9 working days of the date of posting if this Disclosure Statement is posted to youdocument. SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, cancel you must give to FNL the lender written notice that you intend to cancel the Agreement a contract by • – * giving notice to FNL the lender or an employee or agent of FNLthe lender; or • * posting the notice to FNLthe lender or an agent of the lender; or • * emailing the notice to FNLthe lender’s email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • * sending the notice to FNLthe lender’s fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, also return to FNL the lender any advance and any other property received by you under the agreementcontract. What you may have to pay if you cancel? cancel If you cancel the Agreement, FNL contract the lender can charge you the a. The amount of any reasonable expenses FNL the lender had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc). If you cancel the Agreement, FNL can also charge you interest ) and b. Interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FNL the creditor for a hardship variation. To apply for a hardship variation, you need to: a. Make make an application in writing; and b. Explain explain your reason(sreasons(s) for the application; and c. Request request one of the following: • an extension of the term of the Agreement contract (which will reduce the amount of each payment due under the Agreementcontract); or • a postponement of the dates on which payments are due under the agreement contract (specify the period for which you want this to apply); or • both of the above; and d. Give give the application to FNLthe lender. Do this as soon as possible. If you leave it for too long, FNL the lender may not have to consider your application. Please note also that you may not make an application if, when you entered the consumer credit contract, the illness, injury, loss of employment, end of relationship or other reasonable cause was reasonably foreseeable to you. DISPUTE RESOLUTION FNL is a member RESOLUTION* Name of the Banking Ombudsmen dispute resolution scheme. : Financial Services Complaints Ltd It is free to make a complaint to this independent dispute resolutions resolution scheme. This The scheme can help you to resolve any disagreement disagreements that you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERlender.

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe Creditor. Time limits for cancellation You If the disclosure documents are handed to you directly you must give notice that you intend to cancel this Agreement: a. within 5 working days of after you receive the statement date on documents. If the front of this document if this Disclosure Statement is given disclosure documents are sent to you in person; or b. by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days of after the date electronic communication is sent. If the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. documents are mailed to you, you must give the notice within 9 working days of the date of posting if this Disclosure Statement is posted to youafter they were posted. SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, you must give to FNL the Creditor written notice that you intend to cancel the Agreement by contract by: • giving Giving notice to FNL the Creditor or an employee or agent of FNLthe Creditor; or • posting Posting the notice to FNLthe Creditor or an agent of the Creditor; or • emailing Emailing the notice to FNL’s the Creditor's email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • sending Sending the notice to FNL’s the Creditor's fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, return to FNL the Creditor any advance and any other property received by you under the agreementcontract. What you may have to pay if you cancel? cancel If you cancel the Agreementcontract, FNL the Creditor can charge you the amount of any reasonable expenses FNL the Creditor had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc.). If you cancel the Agreementcontract, FNL the Creditor can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FNL the Creditor for a hardship variation. To apply for a hardship variation, you need to: a. • Make an application in writing; and b. • Explain your reason(s) for the application; and c. • Request one of the following: • an o An extension of the term of the Agreement contract (which will reduce the amount of each payment due under the Agreementcontract); or • a o A postponement of the dates on which payments are due under the agreement contract (specify the period for which you want this to apply); or • both o Both of the above; and d. • Give the application to FNLthe Creditor. Do this as soon as possible. If you leave it for too long, FNL the Creditor may not have to consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions resolution scheme. This scheme can help you to resolve any disagreement disagreements you have with FNLthe Creditor. Contact details of the dispute resolution scheme arescheme: Name: Financial Dispute Resolution Service Phone: 0000 000 000 (0508) 337 337 Email: xxxxxxxxx@xxxx.xxx.xx Website: xxx.xxxxxxx.xxx.xx xxx.xxxx.xxx.xx Business addressAddress: Freepost 218002Xxxxx 0, PO Box 00000, Xxxxxxxxxxx Xxxxx, 000 Xxxxxxx Xxxx Xxxxxxxxxx 0000. Central Wellington 6011 REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERREGISTER Financial Service Provider Register details: Credit Registration Name: Direct Cash Orders Limited trading as DCO FINANCE Registration Number: FSP3841 MONETARY DECLARATION This declaration sets out how funds will be transferred to you, how any subsequent withdrawals can be arranged and what you have requested to be recorded as a payment arrangement for this loan agreement. Loan Agreement number xxxxxxxxxx Nominated bank account This is the nominated bank account for the initial loan payment direct transfer, all ongoing withdrawals and which payments to be made from: xxxxxxxxxx xxxxxxxxxx • Once the initial loan payment transfer or withdrawal has been made by DCO FINANCE, the funds are not able to be recalled. Payments (if any) to other parties (Loan Payment – Other Party) will be direct transferred to their respective bank accounts. Initial loan payment transfer: Once the documents have been signed and finalised, the loan payment amount will be electronically transferred to the above bank account. If your bank account is held with one of the major trading banks, (ANZ, ASB, BNZ, Kiwibank, Westpac) this will be available within four hours under normal circumstances. If your bank account is held with a different bank or a credit union or a co-operative, you may not be able to draw on these funds until the next day. Payment arrangement set: In order to ensure the minimum monthly payment commitment is met, you have requested the following payment arrangement for this loan agreement: Amount: xxxxxxxxxx Via: xxxxxxxxxx Starting On: xxxxxxxxxx Frequency: xxxxxxxxxx Conditions relating to the direct debit authority / payment arrangements: • Charges relating to a direct debit authority being loaded and ongoing amendment fees will apply as outlined in the disclosure document. • Any amendments to a direct debit authority will need to be requested in writing with a minimum of 24 hours’ notice prior to the proposed amendment and will incur a $10 amendment fee. • Should a scheduled payment fall on a public holiday or weekend, the scheduled payment will be direct debited from your bank account on the next working day. • It is your responsibility to ensure the required funds are available in the bank account for each scheduled payment and that should a payment dishonor (for whatever reason), you may be charged a payment reversal fee along with being issued a charged default or reminder notice. • If DCO FINANCE obtains evidence of suspected financial hardship, the amount being direct debited each installment may be reduced or suspended temporarily while contact is being sought to investigate whether a hardship restructure is appropriate. • Correspondence notice of adjustments due to public holidays, requested alterations will be done via SMS to the nominated mobile number held on file. DIRECT DEBIT AUTHORITY DIRECT CASH ORDERS LIMITED Authority to accept Direct Debits BANK INSTRUCTIONS NAME: (of Bank Account) xxxxxxxxxx AUTHORITY TO ACCEPT DIRECT DEBITS (Not to operate as an assignment or agreement) BANK ACCOUNT FROM WHICH PAYMENTS TO BE MADE: xxxxxxxxxx AUTHORISATION CODE 0000000 TO THE BANK MANAGER xxxxxxxxxx I / We authorise you until further notice, to debit my/our account with all amounts which DIRECT CASH ORDERS LIMITED (hereinafter referred to as the Initiator) the registered Initiator of the above Authorisation Code, may initiate by Direct Debit. I / We acknowledge and accept that the bank accepts this authority only upon the conditions listed below. INFORMATION TO APPEAR ON MY / OUR BANK STATEMENT: PAYER PARTICULARS DCO FINANCE PAYER CODE xxxxxxxxxx PAYER REFERENCE YOUR SIGNATURE(S) DATE:

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe Creditor. Time limits for cancellation You If the disclosure documents are handed to you directly you must give notice that you intend to cancel this Agreement: a. within 5 working days of after you receive the statement date on documents. If the front of this document if this Disclosure Statement is given disclosure documents are sent to you in person; or b. by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days of after the date electronic communication is sent. If the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. documents are mailed to you, you must give the notice within 9 working days of the date of posting if this Disclosure Statement is posted to youafter they were posted. SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, you must give to FNL the Creditor written notice that you intend to cancel the Agreement by contract by: • giving Giving notice to FNL the Creditor or an employee or agent of FNLthe Creditor; or • posting Posting the notice to FNLthe Creditor or an agent of the Creditor; or • emailing Emailing the notice to FNL’s the Creditor's email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • sending Sending the notice to FNL’s the Creditor's fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, return to FNL the Creditor any advance and any other property received by you under the agreementcontract. What you may have to pay if you cancel? cancel If you cancel the Agreementcontract, FNL the Creditor can charge you the amount of any reasonable expenses FNL the Creditor had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc.). If you cancel the Agreementcontract, FNL the Creditor can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FNL the Creditor for a hardship variation. To apply for a hardship variation, you need to: a. • Make an application in writing; and b. • Explain your reason(s) for the application; and c. • Request one of the following: • an o An extension of the term of the Agreement contract (which will reduce the amount of each payment due under the Agreementcontract); or • a o A postponement of the dates on which payments are due under the agreement contract (specify the period for which you want this to apply); or • both o Both of the above; and d. • Give the application to FNLthe Creditor. Do this as soon as possible. If you leave it for too long, FNL the Creditor may not have to consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions resolution scheme. This scheme can help you to resolve any disagreement disagreements you have with FNLthe Creditor. Contact details of the dispute resolution scheme arescheme: Name: [Entity.DisputeResolutionName] Phone: 0000 000 000 [Entity.DisputeResolutionPhone] Email: [Entity.DisputeResolutionEmail] Website: xxx.xxxxxxx.xxx.xx [Entity.DisputeResolutionWebsite] Business addressAddress: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. [Entity.DisputeResolutionAddress] REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERREGISTER Financial Service Provider Register details: Credit Registration Name: [Entity.LicenceName] Registration Number: [Entity.LicenceNumber] MONETARY DECLARATION This declaration sets out how funds will be transferred to you, how any subsequent withdrawals can be arranged and what you have requested to be recorded as a payment arrangement for this loan agreement. Loan Agreement number [Account.AccountId]. Nominated bank account This is the nominated bank account for the initial loan payment direct transfer, all ongoing withdrawals and which payments to be made from: BankAccountNum BankAccountName Once the initial loan payment transfer or withdrawal has been made by DCO FINANCE, the funds are not able to be recalled. Payments (if any) to other parties (Loan Payment – Other Party) will be direct transferred to their respective bank accounts. Initial loan payment transfer: Once the documents have been signed and finalised, the loan payment amount will be electronically transferred to the above bank account. If your bank account is held with one of the major trading banks, (ANZ, ASB, BNZ, Kiwibank, Westpac) this will be available within four hours under normal circumstances. If your bank account is held with a different bank or a credit union or a co-operative, you may not be able to draw on these funds until the next day. Payment arrangement set: In order to ensure the minimum monthly payment commitment is met, you have requested the following payment arrangement for this loan agreement: Amount: Starting On: Frequency: Via: Conditions relating to the direct debit authority / payment arrangements: • Charges relating to a direct debit authority being loaded and ongoing amendment fees will apply as outlined in the disclosure document. • Any amendments to a direct debit authority will need to be requested in writing with a minimum of 24 hours’ notice prior to the proposed amendment and will incur a $10 amendment fee. • Should a scheduled payment fall on a public holiday or weekend, the scheduled payment will be direct debited from your bank account on the next working day. • It is your responsibility to ensure the required funds are available in the bank account for each scheduled payment and that should a payment dishonor (for whatever reason), you may be charged a payment reversal fee along with being issued a charged default or reminder notice. • If DCO FINANCE obtains evidence of suspected financial hardship, the amount being direct debited each installment may be reduced or suspended temporarily while contact is being sought to investigate whether a hardship restructure is appropriate. • Correspondence notice of adjustments due to public holidays, requested alterations will be done via SMS to the nominated mobile number held on file. DIRECT DEBIT AUTHORITY DIRECT CASH ORDERS LIMITED Authority to accept Direct Debits BANK INSTRUCTIONS NAME: (of Bank Account) BankAccountName AUTHORITY TO ACCEPT DIRECT DEBITS (Not to operate as an assignment or agreement) BANK ACCOUNT FROM WHICH PAYMENTS TO BE MADE: BankAccountNumber AUTHORISATION CODE 0000000 TO THE BANK MANAGER BankBranchName I / We authorise you until further notice, to debit my/our account with all amounts which DIRECT CASH ORDERS LIMITED (hereinafter referred to as the Initiator) the registered Initiator of the above Authorisation Code, may initiate by Direct Debit. I / We acknowledge and accept that the bank accepts this authority only upon the conditions listed below. INFORMATION TO APPEAR ON MY / OUR BANK STATEMENT: PAYER PARTICULARS DCO FINANCE PAYER CODE [Account.AccountId] PAYER REFERENCE YOUR SIGNATURE(S) DATE: [Account.DateOpened] [Account.ESignatureBlock]

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe lender. Time limits for cancellation *You must give notice that you intend to cancel this Agreement: a. a contract within 5 working days of the statement date on the front of this document if this Disclosure Statement document, date or the disclosure date (whichever is given to you in person; or b. within 7 working days of the date the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. within 9 working days of the date of posting if this Disclosure Statement is posted to youlatter). SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, cancel you must give to FNL the lender written notice that you intend to cancel the Agreement a contract by • – giving notice to FNL the lender or an employee or agent of FNLthe lender; or • posting the notice to FNLthe lender or an agent of the lender; or • emailing the notice to FNLthe lender’s email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • sending the notice to FNLthe lender’s fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, return to FNL the lender any advance and any other property received by you under the agreementcontract. What you may have to pay if you cancel? cancel If you cancel the Agreement, FNL contract the lender can charge you the amount of any reasonable expenses FNL the lender had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the Agreementcontract, FNL the lender can also charge you interest – • Interest for the period from the day you received the advance until the day you repay the advanceadvance and • If any returned property has been damaged while in your possession, the costs of repairing the damage. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FNL the lender for a hardship variation. To apply for a hardship variation, you need to: a. Make an application in writing; and b. Explain your reason(s) for the application; and c. Request one of the following: • an extension of the term of the Agreement (which will reduce the amount of each payment due under the Agreement); or • a postponement of the dates on which payments are due under the agreement (specify the period for which you want this to apply); or • both of the above; and d. Give the application to FNL. Do this as soon as possible. If you leave it for too long, FNL may not have to consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions scheme. This scheme can help you to resolve any disagreement you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER:

Right to Cancel. You are entitled This Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Xxx 0000, that Act gives you a right for a short time after the terms of your Agreement have been disclosed to you to cancel your Agreement. If this Agreement by giving notice is handed to FNL. Time limits for cancellation You you directly, you must give notice that you intend to cancel this Agreement: a. within 5 five working days of the statement date on the front of after you have received it. If this document if this Disclosure Statement Agreement is given sent to you in person; or b. by electronic means (e.g. email) you must give notice of intention to cancel within 7 seven working days after the electronic communication has been sent. If this Agreement is mailed to you, you must give notice of the date the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. intention to cancel within 9 nine working days of after the date of posting if this Disclosure Statement is posted to youAgreement was posted. SaturdaySaturdays, Sundays and national public holidays are not counted as working days. How If you want to cancel To cancel, your Agreement you must give to FNL us written notice that you intend to cancel the Agreement by • giving notice to FNL or an employee or agent of FNL; or • posting the notice to FNL; or • emailing the notice to FNL’s email address (specified at the top of this Disclosure Statement); or • sending the notice to FNL’s fax number (specified at the top of this Disclosure Statement)notice. You must also, within the same time, also return to FNL Simplicity any advance and any other property received by you under the agreementin respect to your Agreement. What you may have to pay if you cancel? If you cancel the Agreement, FNL can charge you the amount This statement only contains a summary of any reasonable expenses FNL had to pay your rights and obligations in connection with the Agreement right to cancel. If there is anything about your rights or obligations under the Credit Contracts and its cancellation (including Consumer Finance Xxx 0000 that you do not understand, if there is a dispute about your rights, or if you think we are being unreasonable in any way, you should seek legal fees and fees for credit reports, etc)advice immediately. Unforeseen Hardship If you are in financial difficulty it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If you cancel the Agreement, FNL can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable not able to reasonably keep up meet your payments or other obligations under this Agreement because of an unforeseen life event such as illness, injury, loss of employment, the end of a relationship, relationship or other reasonable cause, but you expect that a change to the Agreement would enable you to meet your obligations, you may be able apply in writing to apply to FNL for a hardship variation. To apply for a hardship variation, you need to: a. Make an application have the Agreement changed in writing; and b. Explain your reason(s) for the application; and c. Request one of the followingfollowing ways: • an extension extending the loan term so that the amount of each repayment is reduced; or • postponing repayments for a specified period; or • extending both the term of the Agreement (which and postponing repayments for a specified time. We may, but are not obliged to, agree to a change to the terms and conditions of this Agreement. You will reduce be required to explain what changes to this Agreement will help you meet your obligations. For example, extending the term of this Agreement and reducing the amount of each payment due under minimum payment, or postponing the Agreement); or • agreed dates for the minimum payments for a postponement period of the dates time. There are limits on which payments are due under the agreement (specify the period for which when and how often you want this to apply); or • both of the above; and d. Give the application to FNLcan make a hardship application. Do this You should contact us as soon as possible. If , if you leave it for too long, FNL we may not have be able to help or consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions scheme. This scheme can help you to resolve any disagreement you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER.

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe lender. Time limits for cancellation *You must give notice that you intend to cancel this Agreement: a. a contract within 5 working days of the statement date on the front of this document if this Disclosure Statement is given to you in person; or b. within 7 working days of the date the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. within 9 working days of the date of posting if this Disclosure Statement is posted to youdocument. SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, cancel you must give to FNL the lender written notice that you intend to cancel the Agreement a contract by • – * giving notice to FNL the lender or an employee or agent of FNLthe lender; or • * posting the notice to FNLthe lender or an agent of the lender; or • * emailing the notice to FNLthe lender’s email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • * sending the notice to FNLthe lender’s fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, also return to FNL the lender any advance and any other property received by you under the agreementcontract. What you may have to pay if you cancel? cancel If you cancel the Agreement, FNL contract the lender can charge you the a. The amount of any reasonable expenses FNL the lender had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc). If you cancel the Agreement, FNL can also charge you interest ) and b. Interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FNL the creditor for a hardship variation. To apply for a hardship variation, you need to: a. Make make an application in writing; and b. Explain explain your reason(sreasons(s) for the application; and c. Request request one of the following: •  an extension of the term of the Agreement contract (which will reduce the amount of each payment due under the Agreementcontract); or • a  postponement of the dates on which payments are due under the agreement contract (specify the period for which you want this to apply); or •  both of the above; and d. Give give the application to FNLthe lender. Do this as soon as possible. If you leave it for too long, FNL the lender may not have to consider your application. Please note also that you may not make an application if, when you entered the consumer credit contract, the illness, injury, loss of employment, end of relationship or other reasonable cause was reasonably foreseeable to you. DISPUTE RESOLUTION FNL is a member RESOLUTION* Name of the Banking Ombudsmen dispute resolution scheme. : Financial Services Complaints Ltd It is free to make a complaint to this independent dispute resolutions resolution scheme. This The scheme can help you to resolve any disagreement disagreements that you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERlender.

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe lender. Time limits for cancellation You If the disclosure documents are handed to you directly you must give notice that you intend to cancel this Agreement: a. within 5 working days of after you receive the statement date on documents. If the front of this document if this Disclosure Statement is given disclosure documents are sent to you in person; or b. by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days of after the date electronic communication is sent. If the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. documents are mailed to you, you must give the notice within 9 working days of the date of posting if this Disclosure Statement is posted to youafter they were posted. SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, you must give to FNL the lender written notice that you intend to cancel the Agreement by contract by: • giving notice to FNL the lender or an employee or agent of FNLthe lender; or • posting the notice to FNLthe lender or an agent of the lender; or • emailing the notice to FNLthe lender’s email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • sending the notice to FNLthe lender’s fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, also pay the cash price of the property or services (or the balance of the cash price after deducting any amount you have already paid) within 15 working days of the same time, return to FNL any advance and any other property received by day you under give the agreementcancellation notice. What you may have to pay if you cancel? cancel If you cancel the Agreementcontract, FNL the lender can charge you the amount of any reasonable expenses FNL the lender had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc). If you cancel the Agreementcontract, FNL the lender can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FNL the lender for a hardship variation. To apply for a hardship variation, you need to: a. Make (a) make an application in writing; and b. Explain (b) explain your reason(s) for the application; and c. Request (c) request one of the following: • an extension of the term of the Agreement contract (which will reduce the amount of each payment due under the Agreementcontract); or • a postponement of the dates on which payments are due under the agreement contract (specify the period for which you want this to apply); or • both of the above; and d. Give (d) give the application to FNLthe lender. Do this as soon as possible. If you leave it for too long, FNL the lender may not have to consider your application. DISPUTE RESOLUTION FNL is a member Name of the Banking Ombudsmen dispute resolution scheme. : Financial Services Complaints Ltd It is free to make a complaint to this independent dispute resolutions resolution scheme. This scheme can help you to resolve any disagreement disagreements you have with FNLthe lender. Contact details of the dispute resolution scheme arescheme: Phone: 0000 000 000 (0800) 347 257 Website: xxx.xxxxxxx.xxx.xx xxx.xxxx.xxx.xx Business addressAddress: Freepost 218002, PO P O Box 00000, Xxxxxxxxxxx Xxxxx, 0000 Xxxxxxx Xxxx Xxxxxxxxxx 0000. 0000 REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERREGISTER Lender Registration Name: Economy Finance Limited

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLFSL. Time limits for cancellation You cancellation: • If the disclosure documents are handed to you directly you must give notice that you intend to cancel this Agreement: a. within 5 working days of after you receive the statement date on documents. • If the front of this document if this Disclosure Statement is given disclosure documents are sent to you in person; or b. by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days of after the date electronic communication is sent. If the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. documents are mailed to you, you must give the notice within 9 working days of the date of posting if this Disclosure Statement is posted to youafter they were posted. SaturdaySaturdays, Sundays and national public holidays are not counted as working days. How to cancel cancel: To cancel, you must give to FNL FSL written notice that you intend to cancel the Agreement contract by • giving notice to FNL FSL or an employee or agent of FNLFSL; or • posting the notice to FNLFSL or an agent of FSL; or • emailing the notice to FNLFSL’s email address (if specified at on the top front of this Disclosure Statementdisclosure statement); or • sending the notice to FNLFSL’s fax number address (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, return to FNL FSL any advance and any other property received by you under the agreementcontract. What you may have to pay if you to cancel? : If you cancel the Agreementcontract, FNL FSL can charge you the amount of any reasonable expenses FNL it has had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reports, etc). If etc).If you cancel the Agreementcontract, FNL FSL can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP UNFORSEEN HARDSHIP: If you are unable reasonably to reasonably keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FNL FSL for a hardship variation. To apply for a hardship variation, you need to: a. Make make an application in writing; and b. Explain explain your reason(s) for the application; and c. Request request one of the following: • an extension of the term of the Agreement contract (which will reduce the amount of each payment due under the Agreement); or • a contract);a postponement of the dates on which payments are due under the agreement contract (specify the period for which you want this to apply); or • both of the above; and d. Give give the application to FNLFSL. Do this as soon as possible. If you leave it for too long, FNL FSL may not have to consider your application. DISPUTE RESOLUTION FNL is a member Name of the Banking Ombudsmen dispute resolution scheme. Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolutions resolution scheme. This scheme can help you to resolve any disagreement disagreements you have with FNLFSL. Contact details of the dispute resolution scheme arescheme: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx xxx.xxx.xxx.xx Business addressAddress: Freepost 218002Level 0, PO Box 00000000 Xxxxxxxxxxxx Xxxxxx, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61

Right to Cancel. You are entitled The Credit Contracts and Consumer Finance Act 2003 gives you a right for a short time after the terms of this Agreement have been disclosed to you to cancel the Agreement. How to cancel If you want to cancel this Agreement by you must give written notice to us that you intend to cancel this Agreement by:  giving notice to FNLus or one of our employees or agents; or  posting the notice to us or one of our agents; or  emailing the notice to our email address; or  sending the notice to our fax number. You must also return to us any advance and any other property received by you under the Agreement. Time limits for cancellation You If the disclosure documents are handed to you directly you must give notice that you intend to cancel this Agreement: a. within 5 working days of after you receive the statement date on documents. If the front of this document if this Disclosure Statement is given disclosure documents are sent to you in person; or b. by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days of after the date electronic communication is sent. If the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. documents are mailed to you, you must give the notice within 9 working days of the date of posting if this Disclosure Statement is posted to youafter they were posted. SaturdaySaturdays, Sundays and national public holidays are not counted as working days. How to cancel To cancel, you must give to FNL written notice that you intend to cancel the Agreement by • giving notice to FNL or an employee or agent of FNL; or • posting the notice to FNL; or • emailing the notice to FNL’s email address (specified at the top of this Disclosure Statement); or • sending the notice to FNL’s fax number (specified at the top of this Disclosure Statement). You must also, within the same time, return to FNL any advance and any other property received by you under the agreement. What you may have to pay if you cancel? cancel If you cancel the Agreement, FNL Agreement we can charge you the you: (a) The amount of any reasonable expenses FNL we had to pay in connection with the Agreement and its cancellation (including legal fees and fees for credit reports, etc). If you cancel the Agreement, FNL can also charge you interest ; and (b) Interest for the period from the day you received the advance Loan until the day you repay the advanceLoan. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that we are being unreasonable in any way, you should seek legal advice immediately. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FNL us for a hardship variation. To apply for a hardship variation, you need to: a. Make (a) make an application in writing; and b. Explain (b) explain your reason(s) for the application; and c. Request (c) request one of the following: •  an extension of to the term of the Agreement (which will reduce the amount of each payment due under the Agreement); or •  a postponement of the dates on which payments are due under the agreement Agreement (specify the period for which you want this to apply); or •  both of the above; and d. Give (d) give the application to FNLus. Do this as soon as possible. If you leave it for too long, FNL we may not have to consider your application. DISPUTE RESOLUTION FNL CONTINUING DISCLOSURE We may be required to provide you with regular disclosure statements. The statements will give you information about your account. If we are required to provide you with regular statements, those statements will be provided at least every six months, or at least every 45 working days if your Loan is a Revolving Credit Loan (or at such other times required under the Credit Contracts and Consumer Finance Act 2003). As an alternative, you agree that we may satisfy our obligation to provide regular statements by making the required information available on our website. Dispute Resolution We are a member of the Banking Ombudsmen following dispute resolution scheme. : The Insurance & Financial Services Ombudsman Scheme (IFSO) It is free to make a complaint to this independent dispute resolutions resolution scheme. This scheme can help you to resolve any disagreement disagreements you have with FNLus. Contact details of the dispute resolution scheme areare as follows: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx xxxx://xxx.xxxx.xx Business address: Freepost 218002Level 00, PO Box 0000000-00 Xxxxxx Xxxxxx, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERWellington 6011 Page 7 Copyright Co-op Money NZ 17624927

Right to Cancel. You are entitled to cancel this Agreement the consumer credit contract by giving notice to FNLthe creditor. Time limits for cancellation  You must give notice that you intend to cancel this Agreement: a. the contract within 5 working days of the statement date on the front of this document if this Disclosure Statement is the document was given to you.  You must give notice that you in person; or b. intend to cancel the contract within 7 working days of the date the Disclosure Statement is sent if this Disclosure is sent document was emailed or faxed to you.  You must give notice that you intend to cancel the contract within 7 working days of the date the document was signed electronically by email or otherwise provided electronically; or c. you.  You must give notice that you intend to cancel the contract within 9 working days of the date of posting if this Disclosure Statement is the document was posted to you. SaturdaySaturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel To cancel, you must give to FNL the creditor written notice that you intend to cancel the Agreement by • giving contract by:  Giving notice to FNL the creditor or an employee or agent of FNLthe creditor; or • posting  Posting the notice to FNLthe creditor or an agent of the creditor; or • emailing  Emailing the notice to FNLthe creditor’s email address (if specified at on the top front of this Disclosure Statementdisclosure); or • sending  Sending the notice to FNLthe creditor’s fax number (if specified at on the top front of this Disclosure Statementdisclosure statement). You must also, within the same time, also return to FNL the creditor any advance and any other property received by you under the agreementcontract. What you may have to pay if you cancel? cancel If you cancel the Agreementcontract, FNL the creditor can also charge you the you:  The amount of any reasonable expenses FNL the lender had to pay in connection with the Agreement contract and its cancellation (including legal fees and fees for credit reportsreports and property inspections, etc). If you cancel the Agreement, FNL can also charge you interest ; and  Interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP What To Do If You Suffer Unforeseen Hardship If you are unable to reasonably to keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FNL the creditor for a hardship variation. To apply for a hardship variation, you need to: a. Make an application in writing; and b. Explain your reason(s) for the application; and c. Request one of the following: • an extension of the term of the Agreement (which will reduce the amount of each payment due under the Agreement); or • a postponement of the dates on which payments are due under the agreement (specify the period for which you want this to apply); or • both of the above; and d. Give the application to FNL. Do this as soon as possible. If you leave it for too long, FNL may not have to consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions scheme. This scheme can help you to resolve any disagreement you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER:

Right to Cancel. You are entitled to You, the buyer may cancel this Agreement by giving transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right. To cancel, sign and date one copy of the cancellation form. Then mail it to FNL. Time limits the address given for cancellation any time before midnight of the third business day after the contract date. Saturdays count as business days, Sun- days do not. Keep the other copy for your records. Proof of mailing date and proof of receipt are important, so, although it is not required, you should send a letter from your local post office by certified mail, with return receipt requested. You do not have to give a reason for canceling. It is your right under the law to change your mind. If you cancel your purchase, the seller has 10 days to: • Cancel and return any promissory note or other negotiable instrument you signed; • Refund all your money and tell you whether any product you still have will be picked up; and • Return any trade-in. Within 20 days, the seller must give notice that either pick up the items left with you, or reimburse you intend for mailing expenses, if you agree to send back the items. NOTICE OF CANCELLATION {enter date of transaction} (date) You may cancel this Agreement: a. transaction, without any penalty or obligation, within 5 working three business days from the above date. If you cancel, any property traded in, any payments made by you under the contract or sale and any negotiable instrument executed by you will be returned within ten business days following receipt by the seller of your cancellation notice and any security interest arising out of the statement date on transaction will be cancelled. If you cancel, you must make available to the front of this document if this Disclosure Statement is given seller at your residence in substantially as good condition as when received, any goods delivered to you in personunder this contract or sale; or b. within 7 working days you may, if you wish, comply with the instructions of the date seller regarding the Disclosure Statement is sent if this Disclosure is sent by email or otherwise provided electronically; or c. return shipment of the goods at the seller's expense and risk. If you do make the goods available to the seller and the seller does not pick them up within 9 working twenty days of the date of posting if this Disclosure Statement is posted to you. Saturday, Sundays and national public holidays are not counted as working days. How to cancel To cancelyour notice of cancellation, you must give to FNL written notice that you intend to cancel may retain or dispose of the Agreement by • giving notice to FNL or an employee or agent of FNL; or • posting the notice to FNL; or • emailing the notice to FNL’s email address (specified at the top of this Disclosure Statement); or • sending the notice to FNL’s fax number (specified at the top of this Disclosure Statement). You must also, within the same time, return to FNL goods without any advance and any other property received by you under the agreement. What you may have to pay if you cancel? If you cancel the Agreement, FNL can charge you the amount of any reasonable expenses FNL had to pay in connection with the Agreement and its cancellation (including legal fees and fees for credit reports, etc)further obligation. If you cancel fail to make the Agreement, FNL can also charge you interest for goods available to the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable to reasonably keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationshipseller, or other reasonable causeif you agree to return the goods to the seller and fail to do so, then you may be able to apply to FNL remain liable for a hardship variationperformance of all obligations under the contract. To apply for cancel this transaction, mail or deliver a hardship variationsigned and dated copy of this cancellation notice or any other written notice, you need to: a. Make an application in writing; and b. Explain your reason(s) for the application; and c. Request one or send a telegram, to {name of the following: • an extension seller}, at {address of the term seller's place of the Agreement (which will reduce the amount business} not later than midnight of each payment due under the Agreement); or • a postponement of the dates on which payments are due under the agreement (specify the period for which you want this to apply); or • both of the above; and d. Give the application to FNL. Do this as soon as possible. If you leave it for too long, FNL may not have to consider your application. DISPUTE RESOLUTION FNL is a member of the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolutions scheme. This scheme can help you to resolve any disagreement you have with FNL. Contact details of the dispute resolution scheme are: Phone: 0000 000 000 Website: xxx.xxxxxxx.xxx.xx Business address: Freepost 218002, PO Box 00000, Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER.