Common use of THINGS YOU MUST Clause in Contracts

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. 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 earlycontractearly. This notice is prescribed by law. Not all of the information may be relevant to you 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 about some of therights the rights and obligations of yourself andyour and your credit provider. It does notstatethe not state the 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. 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. This notice is prescribed by law. Not all of the information may be relevant to you 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 oftherights and obligations of yourself ofyourself andyour credit provider. It does notstatethe terms Itdoesnotstate theterms 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. 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 which credit 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. This notice is prescribed by law. Not all of the information may be relevant to you 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 about some of therights the rights and obligations of yourself andyour and your credit provider. It does notstatethe not state the 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. 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 which credit 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. This notice is prescribed by law. Not all of the information may be relevant to you If the borrower is a company, or if this loan is predominantly used for business purposes or investment purposes (except for investment in residential property) it will not be regulated by the National Credit Code despite any statement that the National Credit Code applies to this loan. 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 about some of therights the rights and obligations of yourself andyour and your credit provider. It does notstatethe not state the 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