THINGS YOU MUST. KNOW Once you sign this contract document, you will be bound by it. However, you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for whichcredit is to be provided under the contract, by telling the credit provider in writing, but you will still be liable for any fees or charges already incurred. You do not have to take out consumer credit insurance unless you want to. However, if this contract document says so, you must take out insurance over any mortgaged property, such as a house or car. If you take out insurance, the credit provider cannot insist on any particular insurance company. If this contract document says so, the credit provider can vary the annual percentage rate (the interest rate), the repayments and the fees and charges and can add new fees and charges without your consent. If this contract document says so, the credit provider can charge a fee if you pay out your contract early. The information statement below only applies to you if your loan is regulated by the National Credit Code. Information statement Things you should know about your proposed credit contract This statement tells you aboutsome of therights and obligations of yourself andyour credit provider. It does notstatethe terms and conditions of your contract. If you have any concerns about your contract, contact the credit provider and, if you still have concerns, your credit provider’s external dispute resolution scheme, or get legal advice. The contract
THINGS YOU MUST. Do We care about and promote responsible pet ownership, and require you to do and pay for the following:
THINGS YOU MUST. KNOW Understand that, by signing this guarantee, you may become personally responsible instead of, or as well as, the debtor to pay the amounts which the debtor owes and the reasonable expenses of the credit provider in enforcing the guarantee. • You should obtain independent legal advice. • • You should also consider obtaining independent financial advice. If the debtor does not pay you must pay. This could mean you lose everything you own including your home. • • You should make your own enquiries about the credit worthiness, financial position and honesty of the debtor. You may be able to withdraw from this guarantee or limit your liability. Ask your legal advisor about this before you sign this guarantee. • You are not bound by a change to the credit contract, or by a new credit contract, that increases your liabilities under the guarantee unless you have agreed in writing and have been given written particulars of the change or a copy of the new credit contract document. Signed as a Deed by Guarantor Signed by Witness Signature: Signature: Name: Name:
