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 creditor. 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 documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancel, you must give the creditor written notice that you intent to cancel the contract by- • Giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing the notice to the creditor You must also, within the same time, return to the creditor any advance received by you under the contract. What you may have to pay if you cancel If you cancel the contract, the creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. • interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and :

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. 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 emailed or posted sent to youyou 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 emailed or posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel Cancel To Cancelcancel, you must give the creditor written notice that you intent intend to cancel the contract by- • Giving ● giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing ● posting the notice to the creditor or an agent of the creditor; or ● emailing the notice to the creditor’s email address (if specified on the front of this disclosure statement). You must also, within the same time, return to the 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 creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellationcancellation (including legal fees and fees for credit reports, etc.). • If you cancel the contract the creditor can also charge you interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. 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 emailed or posted sent to youyou 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 emailed or posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel Cancel To Cancelcancel, you must give the creditor written notice that you intent intend to cancel the contract by- • Giving ● giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing ● posting the notice to the creditor or an agent of the creditor; or ● emailing the notice to the creditor’s email address (if specified on the front of this disclosure statement). You must also, within the same time, return to the 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 creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellationcancellation (including legal fees and fees for credit reports, etc.). • If you cancel the contract the creditor can also charge you interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. 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 documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancel, you must give the creditor written notice that you intent to cancel the contract by- • Giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing the notice to the creditor You must also, within the same time, return to the creditor any advance received by you under the contract. What you may have to pay if you cancel If you cancel the contract, the creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. • interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etcand any other fee paid to third-parties that is not able to be reversed. WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and :

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. Time limits for cancellation • If we give you 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 documents are emailed or posted to youcontract personally, you must give notice that you intend to cancel the contract within 9 5 working days after they were emailed of the statement date on the front of this document or posted5 working days from the date that you sign the contact, whichever is the later. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancel, cancel you must give the creditor written notice that you intent intend to cancel the a contract by- • Giving by – * giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing * posting the notice to the creditor or an agent of the creditor; or * emailing the notice to the creditor’s email address (if specified on the front of this disclosure statement); or * sending the notice to the creditor’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, also return to the 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 creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellationcancellation (including legal fees and fees for credit reports, etc). If you cancel a contract, the creditor can also charge you – • interest Interest for the period from the day you received the advance until the day you repay the advance. advance and • VEDA searchesIf any returned property has been damaged while in your possession, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etcthe 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, the end of a relationship, relationship or other reasonable cause, you may be able to apply to the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. Time limits for cancellation • If the disclosure documents are handed to you directly you You must give notice that you intend to cancel the contract within 5 working days after you receive of the documents. • If statement date on the documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or postedfront of this document. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancelcancel, you must give the creditor written notice that you intent intend to cancel the contract by- by – • Giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing Posting the notice to the creditor You must also, within or an agent of the same time, return creditor; or • Emailing the notice to the creditor any advance received by you under creditor’s email address (if specified on the contract. front of this disclosure statement) • Sending the notice to the creditors fax number (if specified on the front of this disclosure statement) What you may have to pay if you cancel If you cancel the contract, contract the creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. – • interest for the period from the day you received the advance until the day you repay the advance. ; and • VEDA searchesthe amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. ) WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. Time limits for cancellation • If the disclosure documents are handed to you directly you You must give notice that you intend to cancel a contract within 5 7 working days after you receive of date document is given in person or emailed to the documents. • If the documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or postedborrower. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancel, cancel you must give the creditor written notice that you intent intend to cancel the a contract by- by – • Giving giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing posting the notice to the creditor or an agent of the creditor; or • emailing the notice to the creditor’s email address (if specified on the front of this disclosure statement); or • sending the notice to the creditor’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, also return to the 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 a contract, the creditor can charge you – • the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. cancellation (including legal fees and fees for credit reports, etc.) • interest Interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. 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 documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancel, you must give the creditor written notice that you intent to cancel the contract by- • Giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing the notice to the creditor You must also, within the same time, return to the creditor any advance received by you under the contract. What you may have to pay if you cancel If you cancel the contract, the creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. • interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etcand any other fee paid to third-parties that is not able to be reversed. WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and :

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. 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 documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or posted. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancel, you must give the creditor written notice that you intent to cancel the contract by- • Giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing the notice to the creditor You must also, within the same time, return to the creditor any advance received by you under the contract. What you may have to pay if you cancel If you cancel the contract, the creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. • interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN HARDSHIP If you are unable reasonably to reasonably keep up your you 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and :

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. Time limits for cancellation • If the disclosure documents are handed to you directly you You must give notice that you intend to cancel the contract within 5 working days after you receive of the documents. • If statement date on the documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or postedfront of this document. Saturdays, Sundays, and national public holidays are not counted as working days. How to cancel To Cancelcancel, you must give the creditor written notice that you intent intend to cancel the contract by- • by –  Giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing  Posting the notice to the creditor You must also, within or an agent of the same time, return creditor; or  Emailing the notice to the creditor any advance received by you under creditor’s email address (if specified on the contract. front of this disclosure statement)  Sending the notice to the creditors fax number (if specified on the front of this disclosure statement) What you may have to pay if you cancel If you cancel the contract, contract the creditor can charge you –  interest for the period from the day you received the advance until the day you repay the advance; and  the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. • interest cancellation (including legal fees and fees for the period from the day you received the advance until the day you repay the advance. • VEDA searchescredit reports, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. ) All borrowers and guarantors initial in box: INITIAL HERE WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN 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 the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and to:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to the creditor. Time limits for cancellation • If the disclosure documents are handed to you directly you You must give notice that you intend to cancel within 5 working days after you receive of your being given the documents. • If the documents are emailed or posted to you, you must give notice that you intend to cancel within 9 working days after they were emailed or posted. contract (Saturdays, Sundays, and national public holidays are not counted as working days. ) How to cancel To Cancel, cancel you must give the creditor written notice that you intent intend to cancel the a contract by- • Giving by – * giving notice to the creditor or an employee or agent of the creditor; or • Posting, emailing or faxing * posting the notice to the creditor or an agent of the creditor; or * emailing the notice to the creditor’s email address (if specified on the front of this disclosure statement); or * sending the notice to the creditor’s fax number (if specified on the front of this disclosure statement). You must also, within the same time, also return to the 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 creditor can charge you the amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation. cancellation (including legal fees and fees for credit reports, etc) and • interest Interest for the period from the day you received the advance until the day you repay the advance. • VEDA searches, PPSR searches, Security inspection fees, Mobile lending fees, PPSR Registration, any referral fees etc. WHAT TO DO IF YOU SUFFER UNFORESEEN UNFORSEEN 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, relationship or other reasonable cause, cause you may be able to apply to the creditor for a hardship variation. To apply for a hardship variation, you need to seek independent budgeting advice and to: