Common use of Right to Cancel Clause in Contracts

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the lender. Time limits for cancellation *You must give notice that you intend to cancel a contract within 5 working days of the statement on the front of this document, date or the disclosure date (whichever is the latter). Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender written notice that you intend to cancel a contract by – giving notice to the lender or an employee or agent of the lender; or posting the notice to the lender or an agent of the lender; or emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or sending the notice to the lender’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, return to the lender any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract the lender can charge you the amount of any reasonable expenses the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender can also charge you – • Interest for the period from the day you received the advance until the day you repay the advance 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 keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship or other reasonable cause you may be able to apply to the lender for a hardship variation. To apply for a hardship variation, you need to:

Right to Cancel. You are entitled to cancel the This Agreement is a consumer credit contract by giving notice 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 the lenderyou to cancel your Agreement. Time limits for cancellation *You If this Agreement is handed to you directly, you must give notice that you intend to cancel a contract within 5 five working days after you have received it. If this Agreement is sent to you by electronic means (e.g. email) you must give notice of intention to cancel within seven working days after the statement on electronic communication has been sent. If this Agreement is mailed to you, you must give notice of intention to cancel within nine working days after the front of this document, date or the disclosure date (whichever is the latter)Agreement was posted. Saturdays, Sundays, Sundays and national public holidays are not counted as working days. How If you want to cancel To cancel your Agreement you must give the lender us written notice that you intend to cancel a contract by – giving notice to the lender or an employee or agent of the lender; or posting the notice to the lender or an agent of the lender; or emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or sending the notice to the lender’s fax number (if specified on the front of this disclosure statement)notice. You must also, within the same time, also return to the lender Simplicity any advance and any other property received by you under the contractin respect to your Agreement. What you may have to pay if you cancel If you cancel the contract the lender can charge you the amount This statement only contains a summary of any reasonable expenses the lender had to pay your rights and obligations in connection with the contract 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. *If you cancel the contract, the lender can also charge you – • Interest for the period from the day you received the advance until the day you repay the advance 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 Unforeseen Hardship If you are unable reasonably 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 are not able to keep up meet your payments or other obligations under this Agreement because of an unforeseen life event such as illness, injury, loss of employment, or the end of a relationship or other reasonable cause cause, but you expect that a change to the Agreement would enable you to meet your obligations, you may apply in writing to have the Agreement changed in one of the following ways: • 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 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 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 minimum payment, or postponing the agreed dates for the minimum payments for a period of time. There are limits on when and how often you can make a hardship application. You should contact us as soon as possible, if you leave it too long, we may not be able to apply to the lender for a hardship variation. To apply for a hardship variation, you need to:help or consider your application.

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the lenderCreditor. Time limits for cancellation *You If the disclosure documents are handed to you directly you must give notice that you intend to cancel a contract within 5 working days of after you receive the statement on the front of this document, date or documents. If the disclosure date documents are sent to you by electronic means (whichever for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the latter)documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel cancel, you must give the lender Creditor written notice that you intend to cancel a the contract by – giving by: • Giving notice to the lender Creditor or an employee or agent of the lenderCreditor; or posting • Posting the notice to the lender Creditor or an agent of the lenderCreditor; or emailing • Emailing the notice to the lender’s Creditor's email address (if specified on the front of this disclosure statement); or sending • Sending the notice to the lender’s Creditor's fax number (if specified on the front of this disclosure statement). You must also, within the same time, return to the lender Creditor any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract contract, the lender Creditor can charge you the amount of any reasonable expenses the lender Creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc.). *If you cancel the contract, the lender Creditor can also charge you – • Interest interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damageadvance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to 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 the lender Creditor for a hardship variation. To apply for a hardship variation, you need to: • Make an application in writing; and • Explain your reason(s) for the application; and • Request one of the following: o An extension of the term of the contract (which will reduce the amount of each payment due under the contract); or o A postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or o Both of the above; and • Give the application to the Creditor. Do this as soon as possible. If you leave it for too long, the Creditor may not have to consider your application. DISPUTE RESOLUTION It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with the Creditor. Contact details of dispute resolution scheme: Name: Financial Dispute Resolution Service Phone: (0508) 337 337 Email: xxxxxxxxx@xxxx.xxx.xx Website: xxx.xxxx.xxx.xx Business Address: Xxxxx 0, 000 Xxxxxxx Xxxx Xxxxxxxxxx Central Wellington 6011 REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER 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 You, the buyer may cancel this transaction at any time prior to cancel midnight of the consumer credit contract by giving 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 the lender. Time limits address given for cancellation *You must give notice that you intend to cancel a contract within 5 working days any time before midnight of the statement on third business day after the front contract date. Saturdays count as business days, Sun- days do not. Keep the other copy for your records. Proof of this documentmailing date and proof of receipt are important, date or the disclosure date (whichever so, although it is the latter). Saturdaysnot required, Sundaysyou should send a letter from your local post office by certified mail, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender written notice that you intend to cancel a contract by – giving notice to the lender or an employee or agent of the lender; or posting the notice to the lender or an agent of the lender; or emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or sending the notice to the lender’s fax number (if specified on the front of this disclosure statement)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 alsoeither pick up the items left with you, or reimburse you for mailing expenses, if you agree to send back the items. NOTICE OF CANCELLATION {enter date of transaction} (date) You may cancel this transaction, without any penalty or obligation, within three business days from the same timeabove date. If you cancel, return to the lender any advance and property traded in, any other property received 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 transaction will be cancelled. If you cancel, you must make available to the seller at your residence in substantially as good condition as when received, any goods delivered to you under this contract or sale; or you may, if you wish, comply with the instructions of the seller regarding the 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 twenty days of the date of your notice of cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract. What you may have to pay if you To cancel If you cancel the contract the lender can charge you the amount this transaction, mail or deliver a signed and dated copy of this cancellation notice or any reasonable expenses the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender can also charge you – • Interest for the period from the day you received the advance until the day you repay the advance 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 keep up your payments or other obligations because of illness, injury, loss of employmentwritten notice, or the end send a telegram, to {name of a relationship or other reasonable cause you may be able to apply to the lender for a hardship variation. To apply for a hardship variationseller}, you need to:at {address of seller's place of business} not later than midnight of .

Right to Cancel. You are entitled to cancel the consumer credit contract this Agreement by giving notice to the lenderFNL. Time limits for cancellation *You must give notice that you intend to cancel a contract this Agreement: a. within 5 working days of the statement date on the front of this documentdocument 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, date or the disclosure date (whichever is the latter). Saturdays, Sundays, Sundays and national public holidays are not counted as working days. How to cancel To cancel cancel, you must give the lender to FNL written notice that you intend to cancel a contract the Agreement by – • giving notice to the lender FNL or an employee or agent of the lenderFNL; or • posting the notice to the lender or an agent of the lenderFNL; or • emailing the notice to the lenderFNL’s email address (if specified on at the front top of this disclosure statementDisclosure Statement); or • sending the notice to the lenderFNL’s fax number (if specified on at the front top of this disclosure statementDisclosure Statement). You must also, within the same time, return to the lender FNL any advance and any other property received by you under the contractagreement. What you may have to pay if you cancel cancel? If you cancel the contract the lender Agreement, FNL can charge you the amount of any reasonable expenses the lender FNL had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contractAgreement, the lender FNL can also charge you – • Interest interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damageadvance. 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, or the end of a relationship relationship, or other reasonable cause cause, you may be able to apply to the lender 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 the consumer credit contract by giving notice to the lendercreditor. Time limits for cancellation *• You must give notice that you intend to cancel a contract within 5 working days of the statement date on the front of this document, date or the disclosure date (whichever is the latter). Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender creditor written notice that you intend to cancel a contract by – • giving notice to the lender creditor or an employee or agent of the lendercreditor; or • posting the notice to the lender creditor or an agent of the lendercreditor; or • emailing the notice to the lendercreditor’s email address (if specified on the front of this disclosure statement); or • sending the notice to the lendercreditor’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, also return to the lender creditor any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract the lender creditor can charge you the amount of any reasonable expenses the lender creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender creditor can also charge you – • Interest interest for the period from the day you received the advance until the day you repay the advance 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 keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship or other reasonable cause you may be able to apply to the lender creditor for a hardship variation. To apply for a hardship variation, you need to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the lender. Time limits for cancellation *You If the disclosure documents are handed to you directly you must give notice that you intend to cancel a contract within 5 working days of after you receive the statement on the front of this document, date or documents. If the disclosure date documents are sent to you by electronic means (whichever for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the latter)documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel cancel, you must give the lender written notice that you intend to cancel a the contract by – by: • giving notice to the lender or an employee or agent of the lender; or • posting the notice to the lender or an agent of the lender; or • emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or • sending the notice to the lender’s fax number (if specified on the front of this disclosure 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 day you give the lender any advance and any other property received by you under the contractcancellation notice. What you may have to pay if you cancel If you cancel the contract contract, the lender can charge you the amount of any reasonable expenses the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender can also charge you – • Interest interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damageadvance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to 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 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 contract (which will reduce the amount of each payment due under the contract); or • a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or • both of the above; and (d) give the application to the lender. Do this as soon as possible. If you leave it for too long, the lender may not have to consider your application. DISPUTE RESOLUTION Name of dispute resolution scheme: Financial Services Complaints Ltd It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with the lender. Contact details of dispute resolution scheme: Phone: (0800) 347 257 Website: xxx.xxxx.xxx.xx Business Address: P O Box 0000 Xxxxxxx Xxxx Xxxxxxxxxx 0000 REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER Lender Registration Name: Economy Finance Limited

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the lenderCreditor. Time limits for cancellation *You If the disclosure documents are handed to you directly you must give notice that you intend to cancel a contract within 5 working days of after you receive the statement on the front of this document, date or documents. If the disclosure date documents are sent to you by electronic means (whichever for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the latter)documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel cancel, you must give the lender Creditor written notice that you intend to cancel a the contract by – giving by: • Giving notice to the lender Creditor or an employee or agent of the lenderCreditor; or posting • Posting the notice to the lender Creditor or an agent of the lenderCreditor; or emailing • Emailing the notice to the lender’s Creditor's email address (if specified on the front of this disclosure statement); or sending • Sending the notice to the lender’s Creditor's fax number (if specified on the front of this disclosure statement). You must also, within the same time, return to the lender Creditor any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract contract, the lender Creditor can charge you the amount of any reasonable expenses the lender Creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc.). *If you cancel the contract, the lender Creditor can also charge you – • Interest interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damageadvance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to 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 the lender Creditor for a hardship variation. To apply for a hardship variation, you need to:: • Make an application in writing; and • Explain your reason(s) for the application; and • Request one of the following: o An extension of the term of the contract (which will reduce the amount of each payment due under the contract); or o A postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or o Both of the above; and • Give the application to the Creditor. Do this as soon as possible. If you leave it for too long, the Creditor may not have to consider your application. DISPUTE RESOLUTION It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with the Creditor. Contact details of dispute resolution scheme: Name: [Entity.DisputeResolutionName] Phone: [Entity.DisputeResolutionPhone] Email: [Entity.DisputeResolutionEmail] Website: [Entity.DisputeResolutionWebsite] Business Address: [Entity.DisputeResolutionAddress] REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER 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 the consumer credit contract by giving notice to the lendercreditor. Time limits for cancellation * You must give notice that you intend to cancel a the contract within 5 working days of the statement date on the front of this document, document if the document was given to you.  You must give notice that you intend to cancel the contract within 7 working days of the date the document was emailed or faxed to you.  You must give notice that you intend to cancel the disclosure contract within 7 working days of the date (whichever is the latter)document was signed electronically by you.  You must give notice that you intend to cancel the contract within 9 working days of the date the document was posted to you. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel cancel, you must give the lender creditor written notice that you intend to cancel a the contract by – giving by:  Giving notice to the lender creditor or an employee or agent of the lendercreditor; or posting  Posting the notice to the lender creditor or an agent of the lendercreditor; or emailing  Emailing the notice to the lendercreditor’s email address (if specified on the front of this disclosure statementdisclosure); or sending  Sending the notice to the lendercreditor’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, also return to the lender creditor any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract contract, the lender creditor can also charge you the you:  The amount of any reasonable expenses the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reportsreports and property inspections, etc). *If you cancel the contract, the lender can also charge you – • ; and  Interest for the period from the day you received the advance until the day you repay the advance and • advance. What To Do 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 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, or the end of a relationship relationship, or other reasonable cause cause, you may be able to apply to the lender creditor for a hardship variation. To apply for a hardship variation, you need to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the lender. Time limits for cancellation *You must give notice that you intend to cancel a contract within 5 working days of the statement date on the front of this document, date or the disclosure date (whichever is the latter). Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender written notice that you intend to cancel a contract by – * giving notice to the lender or an employee or agent of the lender; or * posting the notice to the lender or an agent of the lender; or * emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or * sending the notice to the lender’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, also return to the lender any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract the lender can charge you the a. The amount of any reasonable expenses the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender can also charge you – • ) and b. Interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damageadvance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship or other reasonable cause you may be able to apply to the lender creditor for a hardship variation. To apply for a hardship variation, you need to:: a. make an application in writing; and b. explain your reasons(s) for the application; and c. request one of the following: • an extension of the term of the contract (which will reduce the amount of each payment due under the contract); or • postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply; or • both of the above; and d. give the application to the lender. Do this as soon as possible. If you leave it too long, 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* Name of dispute resolution scheme: Financial Services Complaints Ltd It is free to make a complaint to this independent dispute resolution scheme. The scheme can help you to resolve any disagreements that you have with the lender.

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 consumer credit contract by giving Agreement. How to cancel If you want to cancel this Agreement you must give written notice to the lender. Time limits for cancellation *You must give notice us that you intend to cancel a contract within 5 working days of the statement on the front of this document, date or the disclosure date (whichever is the latter). Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender written notice that you intend to cancel a contract by – Agreement by:  giving notice to the lender us or an employee one of our employees or agent of the lenderagents; or  posting the notice to the lender us or an agent one of the lenderour agents; or  emailing the notice to the lender’s our email address (if specified on the front of this disclosure statement)address; or  sending the notice to the lender’s our fax number (if specified on the front of this disclosure statement)number. You must also, within the same time, also return to the lender us any advance and any other property received by you under the contractAgreement. Time limits for cancellation If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays and national public holidays are not counted as working days. What you may have to pay if you cancel If you cancel the contract the lender Agreement we can charge you the you: (a) The amount of any reasonable expenses the lender we had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender can also charge you – • ; and (b) Interest for the period from the day you received the advance Loan until the day you repay the advance Loan. 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 returned property has been damaged while in your possessionway, the costs of repairing the damageyou should seek legal advice immediately. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to 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 the lender us 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 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 (specify the period for which you want this to apply); or  both of the above; and (d) give the application to us. Do this as soon as possible. If you leave it for too long, we may not have to consider your application. 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 following dispute resolution scheme: The Insurance & Financial Services Ombudsman Scheme (IFSO) It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with us. Contact details of dispute resolution scheme are as follows: Phone: 0000 000 000 Website: xxxx://xxx.xxxx.xx Business address: Level 00, 00-00 Xxxxxx Xxxxxx, Wellington 6011 Page 7 Copyright Co-op Money NZ 17624927

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the lenderFSL. Time limits for cancellation *You cancellation: • If the disclosure documents are handed to you directly you must give notice that you intend to cancel a contract within 5 working days of after you receive the statement on the front of this document, date or documents. • If the disclosure date documents are sent to you by electronic means (whichever for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the latter)documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays, Sundays and national public holidays are not counted as working days. How to cancel cancel: To cancel cancel, you must give the lender FSL written notice that you intend to cancel a the contract by – giving notice to the lender FSL or an employee or agent of the lenderFSL; or posting the notice to the lender FSL or an agent of the lenderFSL; or emailing the notice to the lenderFSL’s email address (if specified on the front of this disclosure statement); or sending the notice to the lenderFSL’s fax number address (if specified on the front of this disclosure statement). You must also, within the same time, return to the lender FSL any advance and any other property received by you under the contract. What you may have to pay if you cancel to cancel: If you cancel the contract the lender contract, FSL can charge you the amount of any reasonable expenses the lender it has had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If etc).If you cancel the contract, the lender FSL can also charge you – • Interest interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damageadvance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP UNFORSEEN HARDSHIP: If you are unable reasonably to keep up with 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 the lender FSL for a hardship variation. To apply for a hardship variation, you need to:: make an application in writing; and explain your reason(s) for the application; and request one of the following: an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both of the above; and give the application to FSL. Do this as soon as possible. If you leave it for too long, FSL may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you resolve any disagreements you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 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 to cancel the consumer credit contract by giving notice to the lender. Time limits for cancellation *You must give notice that you intend to cancel a contract within 5 working days of the statement date on the front of this document, date or the disclosure date (whichever is the latter). Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To cancel you must give the lender written notice that you intend to cancel a contract by – * giving notice to the lender or an employee or agent of the lender; or * posting the notice to the lender or an agent of the lender; or * emailing the notice to the lender’s email address (if specified on the front of this disclosure statement); or * sending the notice to the lender’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, also return to the lender any advance and any other property received by you under the contract. What you may have to pay if you cancel If you cancel the contract the lender can charge you the a. The amount of any reasonable expenses the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc). *If you cancel the contract, the lender can also charge you – • ) and b. Interest for the period from the day you received the advance until the day you repay the advance and • If any returned property has been damaged while in your possession, the costs of repairing the damageadvance. WHAT TO DO IF YOU SUFFER UNFORESEEN HARDSHIP If you are unable reasonably to keep up your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship or other reasonable cause you may be able to apply to the lender creditor for a hardship variation. To apply for a hardship variation, you need to:: a. make an application in writing; and b. explain your reasons(s) for the application; and c. request one of the following:  an extension of the term of the contract (which will reduce the amount of each payment due under the contract); or  postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply; or  both of the above; and d. give the application to the lender. Do this as soon as possible. If you leave it too long, 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* Name of dispute resolution scheme: Financial Services Complaints Ltd It is free to make a complaint to this independent dispute resolution scheme. The scheme can help you to resolve any disagreements that you have with the lender.