Common use of Exchange generally Clause in Contracts

Exchange generally. You understand and agree that we may exchange your personal information, including credit information, to the extent permitted by law, with:  persons with whom you make a joint application or another person (if any) authorised to operate any credit Facility;  other financial institutions and credit providers for purposes including (i) assessing your application(s) for credit; (ii) notifying other credit providers of defaults; (iii) exchanging information about your credit status where you are in default with BOQ Specialist or another credit provider; (iv) assessing your credit worthiness at any time during or after the life of your credit arrangement; and (v) any other purpose authorised by law;  BOQ Specialist’s subsidiaries, related bodies corporate and other members of BOQ and its related bodies corporate;  its agents, credit managers and related service providers who assist BOQ Specialist in the management and administration of your application and the Facility;  its other agents and service providers (including without limitation organisations providing debt collection, mailing house, legal, accounting, business and financial consulting, loan management, archival, auditing, banking, marketing, advertising, delivery, recruitment, customer contact, information technology, research, utility, valuation, insurance (including lenders’ mortgage insurance), data processing, data analysis, investigation or security services);  your agents and representatives, including, without limitation, referees, brokers, guarantors and prospective guarantors, executors, administrators, trustees, guardians, attorneys, or financial or legal advisors;  anyone for whom you are a beneficial owner, directors and any authorised signatories;  anyone who introduces you to BOQ Specialist (such as a mortgage broker);  partner organisations, including professional associations, organisations providing benefits to BOQ Specialist clients and suppliers of products or services requested by you but not provided by BOQ Specialist;  Experien Insurance Services and its subsidiaries for the purpose of contacting you about their insurance services, unless you opt out;  other entities to whom BOQ Specialist is, by law, required or permitted to provide information about you, including law enforcement authorities, government authorities, regulatory bodies, courts, external dispute resolution schemes and government registries, such as the Personal Property Securities Register;  any guarantor or potential guarantor for the Facility, in order for them to consider whether or not to act as guarantor or provide security; and;  other entities that are authorised by you. Some of the parties with which we exchange your personal information may be located outside Australia, in countries including South Africa, the United Kingdom, New Zealand, Philippines, India, Singapore and the United States of America. By entering into this agreement, you consent to overseas disclosures on this basis. Exchange - credit reporting bodies BOQ Specialist may exchange your personal information with credit reporting bodies (CRBs) in order to, for example, obtain a credit report about you for the purposes of assessing an application for consumer or commercial credit, disclose any failure by you to meet your payment obligations in relation to any credit Facility, the fact that you have committed fraud or other serious credit infringement, and considering whether or not to accept you as a guarantor or security provider. CRBs may include information that BOQ Specialist has provided them to other credit providers to assist them to assess your creditworthiness. You can ask a CRB not to disclose the credit information that it holds about you without your consent for a "ban period" of 21 days if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud. If a ban period is active at the time you submit your application to enter into this agreement, or any time during the life of this agreement, you consent to BOQ Specialist accessing your credit information from a CRB. CRBs may use your credit information to respond to requests from credit providers to "pre-screen" you for marketing. You can ask a CRB not to do this, although BOQ Specialist may still (unless you request otherwise) provide you with direct marketing. The credit reporting bodies BOQ Specialist uses may include:  Veda Advantage, whose privacy policy and contact details are available at xxx.xxxx.xxx.xx/xxxxxxx-xx  Dun & Bradstreet, whose privacy policy and contact details are available at xxx.xxx.xxx.xx  Experian, whose privacy policy and contact details are available at xxx.xxxxxxxx.xxx.xx  Tasmanian Collection Service, whose privacy policy and contact details are available at xxx.xxxxxx.xxx.xx

Exchange generally. You understand and agree that we may exchange your personal information, including credit information, to the extent permitted by law, with:  persons with whom you make a joint application or another person (if any) authorised to operate any credit Facilityfacility;  other financial institutions and credit providers for purposes including (i) assessing your application(s) for credit; (ii) notifying other credit providers of defaults; (iii) exchanging information about your credit status where you are in default with BOQ Specialist or another credit provider; (iv) assessing your credit worthiness at any time during or after the life of your credit arrangement; and (v) any other purpose authorised by law;  BOQ Specialist’s subsidiaries, related bodies corporate and other members of BOQ and its related bodies corporate;  its agents, credit managers and related service providers who assist BOQ Specialist in the management and administration of your application and the Facility;  its other agents and service providers (including without limitation organisations providing debt collection, mailing house, legal, accounting, business and financial consulting, loan management, archival, auditing, banking, marketing, advertising, delivery, recruitment, customer contact, information technology, research, utility, valuation, insurance (including lenders’ mortgage insurance), data processing, data analysis, investigation or security services);  your agents and representatives, including, without limitation, referees, brokers, guarantors and prospective guarantors, executors, administrators, trustees, guardians, attorneys, or financial or legal advisors;  anyone for whom you are a beneficial owner, directors and any authorised signatories;  anyone who introduces you to BOQ Specialist (such as a mortgage broker);  partner organisations, including professional associations, organisations providing benefits to BOQ Specialist clients and suppliers of products or services requested by you but not provided by BOQ Specialist;  Experien Insurance Services and its subsidiaries for the purpose of contacting you about their insurance services, unless you opt out;  other entities to whom BOQ Specialist is, by law, required or permitted to provide information about you, including law enforcement authorities, government authorities, regulatory bodies, courts, external dispute resolution schemes and government registries, such as the Personal Property Securities Register;  any guarantor or potential guarantor for the Facility, in order for them to consider whether or not to act as guarantor or provide security; and;  other entities that are authorised by you. Some of the parties with which we exchange your personal information may be located outside Australia, in countries including South Africa, the United Kingdom, New Zealand, Philippines, India, Singapore and the United States of America. By entering into this agreement, you consent to overseas disclosures on this basis. Exchange - credit reporting bodies BOQ Specialist may exchange your personal information with credit reporting bodies (CRBs) in order to, for example, obtain a credit report about you for the purposes of assessing an application for consumer or commercial credit, disclose any failure by you to meet your payment obligations in relation to any credit Facilityfacility, the fact that you have committed fraud or other serious credit infringement, and considering whether or not to accept you as a guarantor or security provider. CRBs may include information that BOQ Specialist has provided them to other credit providers to assist them to assess your creditworthiness. You can ask a CRB not to disclose the credit information that it holds about you without your consent for a "ban period" of 21 days if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud. If a ban period is active at the time you submit your application to enter into this agreement, or any time during the life of this agreement, you consent to BOQ Specialist accessing your credit information from a CRB. CRBs may use your credit information to respond to requests from credit providers to "pre-screen" you for marketing. You can ask a CRB not to do this, although BOQ Specialist may still (unless you request otherwise) provide you with direct marketing. The credit reporting bodies BOQ Specialist uses may include:  Veda Advantage, whose privacy policy and contact details are available at xxx.xxxx.xxx.xx/xxxxxxx-xx  Dun & Bradstreet, whose privacy policy and contact details are available at xxx.xxx.xxx.xx  Experian, whose privacy policy and contact details are available at xxx.xxxxxxxx.xxx.xx  Tasmanian Collection Service, whose privacy policy and contact details are available at xxx.xxxxxx.xxx.xx

Exchange generally. You understand and agree that we may exchange your personal information, including credit information, to the extent permitted by law, with:  • persons with whom you make a joint application or another any other person (if any) authorised to operate any credit Facilitythe facility governed by this agreement;  • other financial institutions and credit providers for purposes including (i) assessing your application(s) for credit; (ii) notifying other credit providers of defaults; (iii) exchanging information about your credit status where you are in default with BOQ Specialist us or another credit provider; (iv) assessing your credit worthiness at any time during or after the life of your credit arrangement; and (v) any other purpose authorised by law;  BOQ Specialist’s subsidiaries, related bodies corporate and other members of BOQ and its • our subsidiaries or related bodies corporate;  its • our agents, credit managers and related service providers who assist BOQ Specialist us in the management and administration of your application and the Facilityfacility governed by this agreement;  its • our other agents and service providers (including without limitation organisations providing debt collection, mailing house, legal, accounting, business and financial consulting, loan management, archival, auditing, banking, marketing, advertising, delivery, recruitment, customer contact, information technology, research, utility, valuation, insurance (including lenders’ mortgage insurance), data processing, data analysis, investigation or security services);  • your agents and representatives, including. Including, without limitation, referees, brokers, guarantors and prospective guarantors, executors, administrators, trustees, guardians, attorneys, attorneys or financial or legal advisors;  anyone for whom you are a beneficial owner, directors and any authorised signatories;  • anyone who introduces you to BOQ Specialist us (such as a mortgage broker);  • partner organisations, including professional associations, organisations providing benefits to BOQ Specialist our clients and suppliers of products or services requested by you but not provided by BOQ Specialistus;  Experien Insurance Services and its subsidiaries for the purpose of contacting you about their insurance services, unless you opt out;  • other entities to whom BOQ Specialist iswe are, by law, required or permitted to provide information about you, including law enforcement authorities, government authorities, regulatory bodies, courts, external dispute resolution schemes and government registries, such as the Land Titles Office of any State and the Personal Property Securities Register;  • any guarantor or potential guarantor for the Facilityagreement, in order for them to consider whether or not to act as guarantor or provide security; and;  • other entities that are authorised by you. Some of the parties with which we exchange your personal information may be located outside Australia, in countries including South Africa, the United Kingdom, New Zealand, Philippines, India, Singapore and the United States of America. By entering into this agreement, you consent to overseas disclosures on this basis. Exchange - credit reporting bodies BOQ Specialist We may exchange your personal information with credit reporting bodies (CRBs) in order to, for example, obtain a credit report about you for the purposes of assessing an application for consumer or commercial credit, disclose any failure by you to meet your payment obligations in relation to any credit Facilityfacility, the fact that you have committed fraud or other serious credit infringement, and considering whether or not to accept you as a guarantor or security provider. CRBs may include information that BOQ Specialist has we have provided them to other credit providers to assist them to assess your creditworthiness. You can ask a CRB not to disclose the credit information that it holds about you without your consent for a "ban period" of 21 days if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud. If a ban period is active at the time you submit your application to enter into this agreement, or any time during the life of this agreement, you consent to BOQ Specialist us accessing your credit information from a CRB. CRBs may use your credit information to respond to requests from credit providers to "pre-screen" you for marketing. You can ask a CRB not to do this, although BOQ Specialist we may still (unless you request otherwise) provide you with direct marketing. The credit reporting bodies BOQ Specialist uses we use may include:  • Veda Advantage, whose privacy policy and contact details are available at xxx.xxxx.xxx.xx/xxxxxxx-xx  • Dun & Bradstreet, whose privacy policy and contact details are available at xxx.xxx.xxx.xx  • Experian, whose privacy policy and contact details are available at xxx.xxxxxxxx.xxx.xx  • Tasmanian Collection Service, whose privacy policy and contact details are available at xxx.xxxxxx.xxx.xx

Exchange generally. You understand and agree that we may exchange your personal information, including credit information, to the extent permitted by law, with:  persons with whom you make a joint application or another any other person (if any) authorised to operate any credit Facilitythe facility governed by this agreement;  other financial institutions and credit providers for purposes including (i) assessing your application(s) for credit; (ii) notifying other credit providers of defaults; (iii) exchanging information about your credit status where you are in default with BOQ Specialist us or another credit provider; (iv) assessing your credit worthiness at any time during or after the life of your credit arrangement; and (v) any other purpose authorised by law;  BOQ Specialist’s subsidiaries, related bodies corporate and other members of BOQ and its our subsidiaries or related bodies corporate;  its our agents, credit managers and related service providers who assist BOQ Specialist us in the management and administration of your application and the Facilityfacility governed by this agreement;  its our other agents and service providers (including without limitation organisations providing debt collection, mailing house, legal, accounting, business and financial consulting, loan management, archival, auditing, banking, marketing, advertising, delivery, recruitment, customer contact, information technology, research, utility, valuation, insurance (including lenders’ mortgage insurance), data processing, data analysis, investigation or security services);  your agents and representatives, including. Including, without limitation, referees, brokers, guarantors and prospective guarantors, executors, administrators, trustees, guardians, attorneys, attorneys or financial or legal advisors;  anyone for whom you are a beneficial owner, directors and any authorised signatories;  anyone who introduces you to BOQ Specialist us (such as a mortgage broker);  partner organisations, including professional associations, organisations providing benefits to BOQ Specialist our clients and suppliers of products or services requested by you but not provided by BOQ Specialistus;  Experien Insurance Services and its subsidiaries for the purpose of contacting you about their insurance services, unless you opt out;  other entities to whom BOQ Specialist iswe are, by law, required or permitted to provide information about you, including law enforcement authorities, government authorities, regulatory bodies, courts, external dispute resolution schemes and government registries, such as the Land Titles Office of any State and the Personal Property Securities Register;  any guarantor or potential guarantor for the Facilityagreement, in order for them to consider whether or not to act as guarantor or provide security; and Experien Insurance Services and its subsidiaries for the purpose of contacting you about their insurance services, unless you opt out; and  other entities that are authorised by you. Some of the parties with which we exchange your personal information may be located outside Australia, in countries including South Africa, the United Kingdom, New Zealand, Philippines, India, Singapore and Singapore, Canada, Mongolia, the United States of AmericaAmerica and other countries. By entering into this agreement, you consent to overseas disclosures on this basis. Exchange - credit reporting bodies BOQ Specialist We may exchange your personal information with credit reporting bodies (CRBs) in order to, for example, obtain a credit report about you for the purposes of assessing an application for consumer or commercial credit, disclose any failure by you to meet your payment obligations in relation to any credit Facilityfacility, the fact that you have committed fraud or other serious credit infringement, and considering whether or not to accept you as a guarantor or security provider. CRBs may include information that BOQ Specialist has we have provided them to other credit providers to assist them to assess your creditworthiness. You can ask a CRB not to disclose the credit information that it holds about you without your consent for a "ban period" of 21 days if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud. If a ban period is active at the time you submit your application to enter into this agreement, or any time during the life of this agreement, you consent to BOQ Specialist us accessing your credit information from a CRB. CRBs may use your credit information to respond to requests from credit providers to "pre-screen" you for marketing. You can ask a CRB not to do this, although BOQ Specialist we may still (unless you request otherwise) provide you with direct marketing. The credit reporting bodies BOQ Specialist uses we use may include:  Veda Advantage, whose privacy policy and contact details are available at xxx.xxxx.xxx.xx/xxxxxxx-xx  Dun & Bradstreet, whose privacy policy and contact details are available at xxx.xxx.xxx.xx  Experian, whose privacy policy and contact details are available at xxx.xxxxxxxx.xxx.xx  Tasmanian Collection Service, whose privacy policy and contact details are available at xxx.xxxxxx.xxx.xxxxx.xxxxxx.xxx.xx Marketing Unless you opt out, you consent to us using and sharing information about you with its related bodies corporate to contact you on an ongoing basis by any means including telephone, email and other electronic message, to provide you information about our other products and services which we think might be of interest to you. You have the option to call us at any time if you no longer want to receive such information. Notifications You also acknowledge that we may send you Short Messaging Service (SMSs) for any purpose related to your application or agreement, if approved. You acknowledge that we will send these SMSs to any mobile phone number it has on record for you and that you need to contact us if you want to nominate a different mobile number to be used.

Exchange generally. You understand and agree that we may exchange your personal information, including credit information, to the extent permitted by law, with:  persons with whom you make a joint application or another person (if any) authorised to operate any credit Facility;  other financial institutions and credit providers for purposes including (i) assessing your application(s) for credit; (ii) notifying other credit providers of defaults; (iii) exchanging information about your credit status where you are in default with BOQ Specialist or another credit provider; (iv) assessing your credit worthiness at any time during or after the life of your credit arrangement; and (v) any other purpose authorised by law;  BOQ Specialist’s subsidiaries, related bodies corporate and other members of BOQ and its related bodies corporate;  its agents, credit managers and related service providers who assist BOQ Specialist in the management and administration of your application and the Facility;  its other agents and service providers (including without limitation organisations providing debt collection, mailing house, legal, accounting, business and financial consulting, loan management, archival, auditing, banking, marketing, advertising, delivery, recruitment, customer contact, information technology, research, utility, valuation, insurance (including lenders’ mortgage insurance), data processing, data analysis, investigation or security services);  your agents and representatives, including, without limitation, referees, brokers, guarantors and prospective guarantors, executors, administrators, trustees, guardians, attorneys, or financial or legal advisors;  anyone for whom you are a beneficial owner, directors and any authorised signatories;  anyone who introduces you to BOQ Specialist (such as a mortgage broker);  partner organisations, including professional associations, organisations providing benefits to BOQ Specialist clients and suppliers of products or services requested by you but not provided by BOQ Specialist;  Experien Insurance Services and its subsidiaries for the purpose of contacting you about their insurance services, unless you opt out;  other entities to whom BOQ Specialist is, by law, required or permitted to provide information about you, including law enforcement authorities, government authorities, regulatory bodies, courts, external dispute resolution schemes and government registries, such as the Personal Property Securities Register;  any guarantor or potential guarantor for the Facility, in order for them to consider whether or not to act as guarantor or provide security; and;  other entities that are authorised by you. Some of the parties with which we exchange your personal information may be located outside Australia, in countries including South Africa, the United Kingdom, New Zealand, Philippines, India, Singapore and the United States of America. By entering into this agreement, you consent to overseas disclosures on this basis. Exchange - credit reporting bodies BOQ Specialist may exchange your personal information with credit reporting bodies (CRBs) in order to, for example, obtain a credit report about you for the purposes of assessing an application for consumer or commercial credit, disclose any failure by you to meet your payment obligations in relation to any credit Facilityfacility, the fact that you have committed fraud or other serious credit infringement, and considering whether or not to accept you as a guarantor or security provider. CRBs may include information that BOQ Specialist has provided them to other credit providers to assist them to assess your creditworthiness. You can ask a CRB not to disclose the credit information that it holds about you without your consent for a "ban period" of 21 days if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud. If a ban period is active at the time you submit your application to enter into this agreement, or any time during the life of this agreement, you consent to BOQ Specialist accessing your credit information from a CRB. CRBs may use your credit information to respond to requests from credit providers to "pre-screen" you for marketing. You can ask a CRB not to do this, although BOQ Specialist may still (unless you request otherwise) provide you with direct marketing. The credit reporting bodies BOQ Specialist uses may include:  Veda Advantage, whose privacy policy and contact details are available at xxx.xxxx.xxx.xx/xxxxxxx-xx  Dun & Bradstreet, whose privacy policy and contact details are available at xxx.xxx.xxx.xx  Experian, whose privacy policy and contact details are available at xxx.xxxxxxxx.xxx.xx  Tasmanian Collection Service, whose privacy policy and contact details are available at xxx.xxxxxx.xxx.xx