Your Loan AgreementConsumer Lending Agreement • February 2nd, 2015
Contract Type FiledFebruary 2nd, 2015These Consumer Lending Products Terms and Conditions (“Terms and Conditions”); your Letter of Offer including the Information Statement (which we are required to give you under the Consumer Credit Act 1999); each Loan Variation Letter; each guarantee and Security; and any special conditions set out in your Letter of Offer or otherwise agreed in writing by you and ANZ or as incorporated pursuant to the Terms and Conditions, collectively form your Loan Agreement ("Loan Agreement” or “contract") with us.