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[]
[null,"NCCP CREDIT GUIDE AND DISCLOSURE DOCUMENT "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"CUSTOMER & QUOTE DATA INPUT"]
[]
[null,null,"Released 10.02.2021"]
[null,null,"Customer Details"]
[null,null,"Surname:"]
[null,null,"First Name:"]
[null,null,"Middle Name:"]
[null,null,"Address:"]
[null,null,"Phone:"]
[null,null,"Email:"]
[]
[null,null,"Services to be provided"]
[null,null,"Purpose of Loan:",null,"Vehicle Purchase"]
[null,null,"Lender:",null,"Affordable Car Loans"]
[null,null,"Loan Amount:",null,10000,"Note:","(Borrow after deposit/trade + Insurances)"]
[null,null,"Loan Term:",null,60]
[null,null,"Indicative Interest Rate:",null,9.9900000000000003E-2]
[null,null,"Indicative Monthly Repayment:",null,{"$f":"PMT(E28/12,E27,-(E26+E35+E37+E38+E39+E41),E31,E30)+E40","v":241.35687242092828}]
[null,null,"Advance (1) or Arrears (0) payments ",null,0]
[null,null,"Balloon or Residual Value:",null,0]
[null,null,"Loan Type:",null,"Secured Credit Loan Contract"]
[null,null,null,null,"Novated Lease"]
[null,null,"Fees and Charges (if applicable)"]
[null,null,"Fees payable by you to us (inc GST)",null,770]
[null,null,"Fees payable by you to lender being;"]
[null,null,"Stamp Duty:",null,0]
[null,null,"Lenders Loan Application Fee:",null,350]
[null,null,"Motor Vehicle / Asset registration Fee:",null,6.8]
[null,null,"Lenders Monthly Account Keeping Fee",null,5]
[null,null,"Inspection Fees:",null,0]
[]
[]
[null,null,"Referrers"]
[null,null,"Referrers Name:"]
[null,null,"Referrer Fee:",null,0]
[]
[]
[]
[]
[]
[]
[null,null,"DISCLAIMER"]
[null,null,"The information contained in this document has been prepared for the purpose of Brokers Mutual Acceptance Pty Ltd, "]
[null,null,"and is not in any way binding on Brokers Mutual Acceptance Pty Ltd."]
[null,null,"This document has been compiled in good faith by Brokers Mutual Acceptance Pty Ltd and its related entities. "]
[null,null,"No representation is made or warranty given (either expressed or implied) as to the completeness or accuracy of the"]
[null,null,"information it contains. You are therefore requested to verify this information before you act upon it."]
[null,null,"By accessing the use of this document, you agree that Brokers Mutual Acceptance Pty Ltd and its related entities will "]
[null,null,"not be liable for any direct or indirect loss arising from the use of the information and the material contained in this "]
[null,null,"Document."]

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[null,"AUTHORISED CREDIT REPRESENTATIVE"]
[]
[]
["The following information will be pre populated into the required documents attached"]
[]
[]
["Authorised Credit Representative"]
["Authorised Credit Representative:"]
["ABN:"]
["ACN:"]
["Authorised Credit Representative Number:"]
["Director:"]
["Trading Address:"]
["Mailing Address:"]
["Phone Number:"]
["Fax Number:"]
["Email:"]
[]
[]
["Credit Licence Holder"]
["Name:","Brokers Mutual Acceptance Pty Ltd"]
["ABN:","20 121 876 953"]
["ACN:","121 876 953"]
["NCCP Licence Number:",388249]
["Trading Address:","5/6 Somerset Ave Narellan NSW 2567"]
["Mailing Address:","PO Box 680 Narellan NSW 2567"]
["Phone Number:","02 4647 5666"]
["Fax Number:"]
["Email Address:","info@brokersmutual.com.au"]
[]
["Internal Complaints Officer"]
["Name:","The Complaints Manager"]
["Phone Number:","02 4647 5666"]
["Mobile:"]
["Email Address:","complaints@brokersmutual.com.au"]
[]
["External Complaints"]
["Name:","Australian Financial Complaints Authority\nPhone:  1800 931 678\nhttps://www.afca.org.au/"]
[]
[]
["Members Name:","Brokers Mutual Acceptance Pty Ltd"]
["Members Number:",14714]

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[]
[null,null,"Original Copy",null,null,"Verson 10.7.15",null,null,null,"Client Copy",null,null,"Verson 10.7.15"]
[null,null,null,null,null,{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"},null,null,null,null,null,null,{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"}]
[null,null,null,null,"ACN:",{"$f":"'ACR Template'!B24","v":"121 876 953"},null,null,null,null,null,"ACN:",{"$f":"'ACR Template'!B24","v":"121 876 953"}]
[null,null,null,null,"Australian Credit Licence Number:",{"$f":"'ACR Template'!B25","v":388249},null,null,null,null,null,"Australian Credit Licence Number:",{"$f":"'ACR Template'!B25","v":388249}]
[]
[null,null,"CREDIT GUIDE & QUOTE",null,null,null,null,null,null,"CREDIT GUIDE & QUOTE"]
[]
[null,"Congratulations, you have chosen a licensed Finance Broker authorised to provide loan assistance under the National Consumer Credit Protection Act of 2009 (NCCP Act).",null,null,null,null,null,null,"Congratulations, you have chosen a licensed Finance Broker authorised to provide loan assistance under the National Consumer Credit Protection Act of 2009 (NCCP Act)."]
[null,"This document is designed to provide you with information about the services that we provide.",null,null,null,null,null,null,"This document is designed to provide you with information about the services that we provide."]
[null,"KEY INFORMATION",null,null,null,null,null,null,"KEY INFORMATION"]
[]
[null,"Credit Representative",{"$f":"'ACR Template'!B9","v":0},null,null,null,null,null,"Credit Representative",{"$f":"'ACR Template'!B9","v":0}]
[null,"ABN:",{"$f":"'ACR Template'!B10","v":0},null,null,null,null,null,"ABN:",{"$f":"'ACR Template'!B10","v":0}]
[null,"ACN:",{"$f":"'ACR Template'!B11","v":0},null,null,null,null,null,"ACN:",{"$f":"'ACR Template'!B11","v":0}]
[null,"Credit Representative Number:",{"$f":"'ACR Template'!B12","v":0},null,null,null,null,null,"Credit Representative Number:",{"$f":"'ACR Template'!B12","v":0}]
[null,"Trading Address:",{"$f":"'ACR Template'!B14","v":0},null,null,null,null,null,"Trading Address:",{"$f":"'ACR Template'!B14","v":0}]
[null,"Mailing Address:",{"$f":"'ACR Template'!B15","v":0},null,null,null,null,null,"Mailing Address:",{"$f":"'ACR Template'!B15","v":0}]
[null,"Phone:",{"$f":"'ACR Template'!B16","v":0},null,null,null,null,null,"Phone:",{"$f":"'ACR Template'!B16","v":0}]
[null,"Fax:",{"$f":"'ACR Template'!B17","v":0},null,null,null,null,null,"Fax:",{"$f":"'ACR Template'!B17","v":0}]
[null,"Email",{"$f":"'ACR Template'!B18","v":0},null,null,null,null,null,"Email",{"$f":"'ACR Template'!B18","v":0}]
[]
[null,"Credit Licence Holder:",{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"},null,null,null,null,null,"Credit Licence Holder:",{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"}]
[null,"ABN:",{"$f":"'ACR Template'!B23","v":"20 121 876 953"},null,null,null,null,null,"ABN:",{"$f":"'ACR Template'!B23","v":"20 121 876 953"}]
[null,"ACN:",{"$f":"'ACR Template'!B24","v":"121 876 953"},null,null,null,null,null,"ACN:",{"$f":"'ACR Template'!B24","v":"121 876 953"}]
[null,"Australian Credit Licence Number:",{"$f":"'ACR Template'!B25","v":388249},null,null,null,null,null,"Australian Credit Licence Number:",{"$f":"'ACR Template'!B25","v":388249}]
[null,"Trading Address:",{"$f":"'ACR Template'!B26","v":"5/6 Somerset Ave Narellan NSW 2567"},null,null,null,null,null,"Trading Address:",{"$f":"'ACR Template'!B26","v":"5/6 Somerset Ave Narellan NSW 2567"}]
[null,"Mailing Address:",{"$f":"'ACR Template'!B27","v":"PO Box 680 Narellan NSW 2567"},null,null,null,null,null,"Mailing Address:",{"$f":"'ACR Template'!B27","v":"PO Box 680 Narellan NSW 2567"}]
[null,"Phone:",{"$f":"'ACR Template'!B28","v":"02 4647 5666"},null,null,null,null,null,"Phone:",{"$f":"'ACR Template'!B28","v":"02 4647 5666"}]
[null,"Fax:",{"$f":"'ACR Template'!B29","v":0},null,null,null,null,null,"Fax:",{"$f":"'ACR Template'!B29","v":0}]
[null,"Email",{"$f":"'ACR Template'!B30","v":"info@brokersmutual.com.au"},null,null,null,null,null,"Email",{"$f":"'ACR Template'!B30","v":"info@brokersmutual.com.au"}]
[]
[null,"INTERNAL COMPLAINTS OFFICER","Name",{"$f":"'ACR Template'!B33","v":"The Complaints Manager"},null,null,null,null,"INTERNAL COMPLAINTS OFFICER","Name",{"$f":"'ACR Template'!B33","v":"The Complaints Manager"}]
[null,null,"Phone ",{"$f":"'ACR Template'!B34","v":"02 4647 5666"},null,null,null,null,null,"Phone ",{"$f":"'ACR Template'!B34","v":"02 4647 5666"}]
[null,null,"Email",{"$f":"'ACR Template'!B36","v":"complaints@brokersmutual.com.au"},null,null,null,null,null,"Email",{"$f":"'ACR Template'!B36","v":"complaints@brokersmutual.com.au"}]
[]
[]
[null,"EXTERNAL COMPLAINTS",{"$f":"'ACR Template'!B39","v":"Australian Financial Complaints Authority\nPhone:  1800 931 678\nhttps://www.afca.org.au/"},null,null,null,null,null,"EXTERNAL COMPLAINTS",{"$f":"'ACR Template'!B39","v":"Australian Financial Complaints Authority\nPhone:  1800 931 678\nhttps://www.afca.org.au/"}]
[null,"SERVICES WE PROVIDE","We will help you to choose a loan or lease which is not unsuitable for your purposes from our panel of lenders. ",null,null,null,null,null,"SERVICES WE PROVIDE","We will help you to choose a loan or lease which is not unsuitable for your purposes from our panel of lenders. "]
[null,null,"We will source the best priced product available to you from our panel of lenders",null,null,null,null,null,null,"We will source the best priced product available to you from our panel of lenders"]
[null,null,"We will help you obtain a credit approval",null,null,null,null,null,null,"We will help you obtain a credit approval"]
[null,null,"We will prepare all necessary loan documentation ",null,null,null,null,null,null,"We will prepare all necessary loan documentation "]
[]
[null,"OUR PANEL OF LENDERS",null,null,null,null,null,null,"OUR PANEL OF LENDERS"]
[null,"ANZ/Esanda","GE Money","Yamaha Finance",null,null,null,null,"ANZ/Esanda","GE Money","Yamaha Finance"]
[null,"Pepper Asset Finance","Now Finance","Australian Premier Finance",null,null,null,null,"Pepper Asset Finance","Now Finance","Australian Premier Finance"]
[null,"Liberty Financial","Money 3 ","Group & General",null,null,null,null,"Liberty Financial","Money 3 ","Group & General"]
[]
[null,"INFORMATION WE NEED FROM YOU",null,null,null,null,null,null,"INFORMATION WE NEED FROM YOU"]
[]
[null,"Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan that we help you to obtain is NOT unsuitable for you.",null,null,null,null,null,null,"Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan that we help you to obtain is NOT unsuitable for you."]
[null,"To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to;",null,null,null,null,null,null,"To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to;"]
[null,"     * make reasonable inquiries about your requirements and objectives;",null,null,null,null,null,null,"     * make reasonable inquiries about your requirements and objectives;"]
[null,"     * make reasonable inquiries about your financial situation;",null,null,null,null,null,null,"     * make reasonable inquiries about your financial situation;"]
[null,"     * take reasonable steps to verify that the information provided is accurate.",null,null,null,null,null,null,"     * take reasonable steps to verify that the information provided is accurate."]
[]
[null,"Credit is deemed unsuitable if at the time of the assessment and at time of providing credit if;",null,null,null,null,null,null,"Credit is deemed unsuitable if at the time of the assessment and at time of providing credit if;"]
[null,"     * you could not pay or could only pay with substantial hardship",null,null,null,null,null,null,"     * you could not pay or could only pay with substantial hardship"]
[null,"     * the credit will not meet your requirements and objectives",null,null,null,null,null,null,"     * the credit will not meet your requirements and objectives"]
[null,"FEES PAYABLE BY YOU",null,null,null,null,null,null,"FEES PAYABLE BY YOU"]
[]
[null,"We sometimes charge a fee to help cover the costs of preparing loan documentation on your behalf. More details about fees payable by you will be set out in our quote which we will give you before a finance application is lodged. In addition to this, you will need to pay the financiers loan application fee, any fees associated with registering the lenders interest on the assets being secured, and or any other fees charged by the lender.",null,null,null,null,null,null,"We sometimes charge a fee to help cover the costs of preparing loan documentation on your behalf. More details about fees payable by you will be set out in our quote which we will give you before a finance application is lodged. In addition to this, you will need to pay the financiers loan application fee, any fees associated with registering the lenders interest on the assets being secured, and or any other fees charged by the lender."]
[null,"COMMISSIONS RECEIVED BY US AS A CREDIT REPRESENTATIVE ACTING ON YOUR BEHALF",null,null,null,null,null,null,"COMMISSIONS RECEIVED BY US AS A CREDIT REPRESENTATIVE ACTING ON YOUR BEHALF"]
[null,"We may receive commissions from the lenders and lessors who provide finance for you as our customers. These are not fees payable by you. They are usually calculated as follows:",null,null,null,null,null,null,"We may receive commissions from the lenders and lessors who provide finance for you as our customers. These are not fees payable by you. They are usually calculated as follows:"]
[]
[null,"         - A fixed base fee; and",null,null,null,null,null,null,"         - A fixed base fee; and"]
[null,"         - A percentage of the interest payable at the contract written rate over and above the interest payable on the minimum rate as determined by the Credit Provider; and",null,null,null,null,null,null,"         - A percentage of the interest payable at the contract written rate over and above the interest payable on the minimum rate as determined by the Credit Provider; and"]
[null,"         - An additional amount based on a percentage of the above two items may also be payable, however this is unknown at the time of entering into the contract.",null,null,null,null,null,null,"         - An additional amount based on a percentage of the above two items may also be payable, however this is unknown at the time of entering into the contract."]
[]
[null,"COMMISSIONS PAYABLE BY US AS A CREDIT REPRESENTATIVE ACTING ON YOUR BEHALF",null,null,null,null,null,null,"COMMISSIONS PAYABLE BY US AS A CREDIT REPRESENTATIVE ACTING ON YOUR BEHALF"]
[null,"We may source referrals from broad range of sources including for example, Accountants, Mortgage Brokers, Financial Advisors, Suppliers and vendors etc for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is calculated.",null,null,null,null,null,null,"We may source referrals from broad range of sources including for example, Accountants, Mortgage Brokers, Financial Advisors, Suppliers and vendors etc for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is calculated."]
[null,"OUR INTERNAL DISPUTE RESOLUTION SCHEME",null,null,null,null,null,null,"OUR INTERNAL DISPUTE RESOLUTION SCHEME"]
[null,"We believe that it is essential for our customers to be able to identify and deal with a broker who has the ability, authority and proper training to hear and respond appropriately to any complaints or disputes.  ",null,null,null,null,null,null,"We believe that it is essential for our customers to be able to identify and deal with a broker who has the ability, authority and proper training to hear and respond appropriately to any complaints or disputes.  "]
[null,"It is a requirement under the National Consumer Credit Protection Act 2009 that we have in place an Internal Dispute Resolution procedure.  ",null,null,null,null,null,null,"It is a requirement under the National Consumer Credit Protection Act 2009 that we have in place an Internal Dispute Resolution procedure.  "]
[null,"You can lodge complaints by contacting:",null,null,null,null,null,null,"You can lodge complaints by contacting:"]
[null,"      Name:",{"$f":"'ACR Template'!B33","v":"The Complaints Manager"},null,null,null,null,null,"      Name:",{"$f":"'ACR Template'!B33","v":"The Complaints Manager"}]
[null,"     Telephone:",{"$f":"'ACR Template'!B34","v":"02 4647 5666"},null,null,null,null,null,"     Telephone:",{"$f":"'ACR Template'!B34","v":"02 4647 5666"}]
[null,"     E-mail:",{"$f":"'ACR Template'!B36","v":"complaints@brokersmutual.com.au"},null,null,null,null,null,"     E-mail:",{"$f":"'ACR Template'!B36","v":"complaints@brokersmutual.com.au"}]
[null,"     In writing to:",{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"},null,null,null,null,null,"     In writing to:",{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"}]
[null,null,{"$f":"'ACR Template'!B27","v":"PO Box 680 Narellan NSW 2567"},null,null,null,null,null,null,{"$f":"'ACR Template'!B27","v":"PO Box 680 Narellan NSW 2567"}]
[]
[null,"or by speaking to any representative of our business who will refer you to the Complaints Officer.",null,null,null,null,null,null,"or by speaking to any representative of our business who will refer you to the Complaints Officer."]
[null,"You should explain the details of your complaint as clearly as you can.  You may do this verbally or in writing.",null,null,null,null,null,null,"You should explain the details of your complaint as clearly as you can.  You may do this verbally or in writing."]
[null,"When we receive a complaint, we will attempt to resolve it promptly.  We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.  ",null,null,null,null,null,null,"When we receive a complaint, we will attempt to resolve it promptly.  We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.  "]
[null,"We will observe the following principles in handling your complaint:",null,null,null,null,null,null,"We will observe the following principles in handling your complaint:"]
[null,"1. there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution;",null,null,null,null,null,null,"1. there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution;"]
[null,"2. We expect that both parties will make a genuine attempt to resolve a complaint promptly;",null,null,null,null,null,null,"2. We expect that both parties will make a genuine attempt to resolve a complaint promptly;"]
[null,"3. We expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and reasonably be believed to assist in resolving the complaint; ",null,null,null,null,null,null,"3. We expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and reasonably be believed to assist in resolving the complaint; "]
[null,"4. We expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.  ",null,null,null,null,null,null,"4. We expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.  "]
[null,"OUR EXTERNAL DISPUTE RESOLUTION SCHEME",null,null,null,null,null,null,"OUR EXTERNAL DISPUTE RESOLUTION SCHEME"]
[null,"If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme.  Our external dispute resolution provider is; ",null,null,null,null,null,null,"If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme.  Our external dispute resolution provider is; "]
[null,{"$f":"'ACR Template'!B39","v":"Australian Financial Complaints Authority\nPhone:  1800 931 678\nhttps://www.afca.org.au/"},null,null,null,null,null,null,{"$f":"'ACR Template'!B39","v":"Australian Financial Complaints Authority\nPhone:  1800 931 678\nhttps://www.afca.org.au/"}]
[null,"Member:   ",{"$f":"'ACR Template'!B42","v":"Brokers Mutual Acceptance Pty Ltd"},null,null,null,null,null,"Member:   ",{"$f":"'ACR Template'!B42","v":"Brokers Mutual Acceptance Pty Ltd"}]
[null,"Membership Number:   ",{"$f":"'ACR Template'!B43","v":14714},null,null,null,null,null,"Membership Number:   ",{"$f":"'ACR Template'!B43","v":14714}]
[]
[null,"External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.  ",null,null,null,null,null,null,"External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.  "]
[null,"Fees Payable by you to us",null,null,null,null,null,null,"Fees Payable by you to us"]
[null,"Our service fee for loan preparation is up to $990 inc GST",null,null,null,null,null,null,"Our service fee for loan preparation is up to $990 inc GST"]
[null,"When and how fees are payable ",null,null,null,null,null,null,"When and how fees are payable "]
[null,"Once off fees can be either deducted from your account at settlement by the lender, or may be financed in the total loan amount.",null,null,null,null,null,null,"Once off fees can be either deducted from your account at settlement by the lender, or may be financed in the total loan amount."]
[null,"Acceptance",null,null,null,null,null,null,"Acceptance"]
[null,"By signing this document you agree to the terms set out in this quote and to pay the fees specified above by the time specified above. After you have signed this document in duplicate, we will give you a copy to keep.",null,null,null,null,null,null,"By signing this document you agree to the terms set out in this quote and to pay the fees specified above by the time specified above. After you have signed this document in duplicate, we will give you a copy to keep."]
[]
[]
[null,"Brokers Mutual Acceptance Pty Ltd- Privacy Regulation 2013",null,null,null,null,null,null,"Brokers Mutual Acceptance Pty Ltd- Privacy Regulation 2013"]
[null,"\nWho are we?\n‘We’, ‘us’ and ‘our’ refer to BROKERS MUTUAL ACCEPTANCE PTY LTD, ACN 121876953, Australian Credit Licence 388249 and our related businesses.\nOur commitment to protect your privacy\nWe understand how important it is to protect your personal information.  This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information. We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law.  It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information. Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.\nPersonal information\nWhen we refer to personal information we mean information from which your identity is reasonably apparent.  This information may include information or an opinion about you.  The personal information we hold about you may also include credit information.  \nCredit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.\nThe kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.\nIf you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.  If you apply for any insurance product through us we may also collect your health information.  We will only collect health information from you with your consent.\nWhy we collect your personal information\nWe collect personal information for the purposes of assessing your application for finance and managing that finance.  We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.  From time to time we may offer you other products and services. To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us.   We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.\nHow do we collect your personal information?\nWhere reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and lawyers.\nDo we disclose your personal information?\nWe may disclose your personal information:\n• to prospective funders or other intermediaries in relation to your finance requirements; \n• to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;\n• to associated businesses that may want to market products to you;\n• to companies that provide information and infrastructure systems to us;• to anybody who represents you, such as finance brokers, lawyers and accountants; \n• to anyone, where you have provided us consent; \n• where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);to investors, agents or advisers, or any entity that has an interest in our business; or\n• to your employer, referees or identity verification services.\nPrior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:\n(a) the person or organisation has a commitment to protecting your personal information at least  equal to our commitment, or \n(b) you have consented to us making the disclosure.\nWe may use cloud storage to store the personal information we hold about you.  The cloud storage and the IT servers may be located outside Australia.\nWe may disclose your personal information to overseas entities that provide support functions to us.  You may obtain more information about these entities by contacting us. \nDirect Marketing\nFrom time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.\nIf you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 0246475666 or by writing to us at P.O. Box 680 Narellan NSW 2567. If the direct marketing is by email you may also use the unsubscribe function.   We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.\nIt is important to us that the personal information we hold about you is accurate and up to date.  During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.  ",null,null,null,null,null,null,"\nWho are we?\n‘We’, ‘us’ and ‘our’ refer to BROKERS MUTUAL ACCEPTANCE PTY LTD, ACN 121876953, Australian Credit Licence 388249 and our related businesses.\nOur commitment to protect your privacy\nWe understand how important it is to protect your personal information.  This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information. We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law.  It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information. Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.\nPersonal information\nWhen we refer to personal information we mean information from which your identity is reasonably apparent.  This information may include information or an opinion about you.  The personal information we hold about you may also include credit information.  \nCredit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.\nThe kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.\nIf you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.  If you apply for any insurance product through us we may also collect your health information.  We will only collect health information from you with your consent.\nWhy we collect your personal information\nWe collect personal information for the purposes of assessing your application for finance and managing that finance.  We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.  From time to time we may offer you other products and services. To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us.   We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.\nHow do we collect your personal information?\nWhere reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and lawyers.\nDo we disclose your personal information?\nWe may disclose your personal information:\n• to prospective funders or other intermediaries in relation to your finance requirements; \n• to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;\n• to associated businesses that may want to market products to you;\n• to companies that provide information and infrastructure systems to us;• to anybody who represents you, such as finance brokers, lawyers and accountants; \n• to anyone, where you have provided us consent; \n• where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);to investors, agents or advisers, or any entity that has an interest in our business; or\n• to your employer, referees or identity verification services.\nPrior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:\n(a) the person or organisation has a commitment to protecting your personal information at least  equal to our commitment, or \n(b) you have consented to us making the disclosure.\nWe may use cloud storage to store the personal information we hold about you.  The cloud storage and the IT servers may be located outside Australia.\nWe may disclose your personal information to overseas entities that provide support functions to us.  You may obtain more information about these entities by contacting us. \nDirect Marketing\nFrom time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.\nIf you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 0246475666 or by writing to us at P.O. Box 680 Narellan NSW 2567. If the direct marketing is by email you may also use the unsubscribe function.   We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.\nIt is important to us that the personal information we hold about you is accurate and up to date.  During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.  "]
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[null,"\nUpdating your personal information\nIf you wish to make any changes to your personal information, you may contact us.  We will generally rely on you to ensure the information we hold about you is accurate or complete\nAccess and correction to your personal information\nWe will provide you with access to the personal information we hold about you.  You may request access to any of the personal information we hold about you at any time.\nWe may charge a fee for our costs of retrieving and supplying the information to you.\nDepending on the type of request that you make we may respond to your request immediately, otherwise weusually respond to you within seven days of receiving your request.  We may need to contact other entities to properly investigate your request.  \nThere may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.\nAn explanation will be provided to you if we deny you access to the personal information we hold about you.\nIf any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. \n If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request.  Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.\nWe may need to consult with other entities as part of our investigation.  \nIf we refuse to correct personal information we will provide you with our reasons for not correcting the information.  \nUsing government identifiers\nIf we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law.  We will never use a government identifier in order to identify you.\nBusiness without identifying you\nIn most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.\nSensitive information\nWe will only collect sensitive information about you with your consent.  Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.\nHow safe and secure is your personal information that we hold?\nWe will take reasonable steps to protect your personal information by storing it in a secure environment.  We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.  ",null,null,null,null,null,null,"\nUpdating your personal information\nIf you wish to make any changes to your personal information, you may contact us.  We will generally rely on you to ensure the information we hold about you is accurate or complete\nAccess and correction to your personal information\nWe will provide you with access to the personal information we hold about you.  You may request access to any of the personal information we hold about you at any time.\nWe may charge a fee for our costs of retrieving and supplying the information to you.\nDepending on the type of request that you make we may respond to your request immediately, otherwise weusually respond to you within seven days of receiving your request.  We may need to contact other entities to properly investigate your request.  \nThere may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.\nAn explanation will be provided to you if we deny you access to the personal information we hold about you.\nIf any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. \n If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request.  Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.\nWe may need to consult with other entities as part of our investigation.  \nIf we refuse to correct personal information we will provide you with our reasons for not correcting the information.  \nUsing government identifiers\nIf we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law.  We will never use a government identifier in order to identify you.\nBusiness without identifying you\nIn most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.\nSensitive information\nWe will only collect sensitive information about you with your consent.  Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.\nHow safe and secure is your personal information that we hold?\nWe will take reasonable steps to protect your personal information by storing it in a secure environment.  We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.  "]
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[null,"Complaints\nIf you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer on 0246475666.\nWe will acknowledge your complaint within seven days.  We will provide you with a decision on your complaint within 30 days.\nIf you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992. \nFurther information\nYou may request further information about the way we manage your personal information by contacting us.\nChange in our privacy policy\nWe are constantly reviewing all of our policies and attempt to keep up to date with market expectations.  Technology is constantly changing, as is the law and market place practices.  \nAs a consequence we may change this privacy policy from time to time or as the need arises.\nYou may request this privacy policy in an alternative form.\nThis Privacy Policy came into existence on 03-03-2014.\nSign",null,null,null,null,null,null,"Complaints\nIf you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer on 0246475666.\nWe will acknowledge your complaint within seven days.  We will provide you with a decision on your complaint within 30 days.\nIf you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992. \nFurther information\nYou may request further information about the way we manage your personal information by contacting us.\nChange in our privacy policy\nWe are constantly reviewing all of our policies and attempt to keep up to date with market expectations.  Technology is constantly changing, as is the law and market place practices.  \nAs a consequence we may change this privacy policy from time to time or as the need arises.\nYou may request this privacy policy in an alternative form.\nThis Privacy Policy came into existence on 03-03-2014.\nSign"]
[]
[]
[null,"Borrower 1 signature",null,"Borrower 2 signature",null,null,null,null,"Borrower 1 signature",null,"Borrower 2 signature"]
[]
[]
[null,"Borrower 1 Name",null,"Borrower 2 Name",null,null,null,null,"Borrower 1 Name",null,"Borrower 2 Name"]
[null,"Date:",null,"Date:",null,null,null,null,"Date:",null,"Date:"]
[null,"Esanda www.esanda.com.au",null,"Yamaha Finance www.yamaha-motor.com.au",null,null,null,null,"Esanda www.esanda.com.au",null,"Yamaha Finance www.yamaha-motor.com.au"]
[null,"Pepper Finance www.pepper.com.au",null,"Group & General www.alto.com.au",null,null,null,null,"Pepper Finance www.pepper.com.au",null,"Group & General www.alto.com.au"]
[null,"Liberty Financial www.liberty.com.au",null,"Money 3 www.money3.com.au",null,null,null,null,"Liberty Financial www.liberty.com.au",null,"Money 3 www.money3.com.au"]
[null,"Ge Money www.gemoney.com.au",null,"NAB www.nab.com.au",null,null,null,null,"Ge Money www.gemoney.com.au",null,"NAB www.nab.com.au"]
[null,"Now Finance www.nowfinance.com.au",null,"Westpac www.westpac.com.au",null,null,null,null,"Now Finance www.nowfinance.com.au",null,"Westpac www.westpac.com.au"]
[null,"Australian Premier Finance http://www.australianpremierfinance.com.au/",null,null,null,null,null,null,"Australian Premier Finance http://www.australianpremierfinance.com.au/"]

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[null,null,"Original Copy",null,null,null,null,null,null,"Customer Copy"]
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[null,null,null,null,"ACN:",{"$f":"'ACR Template'!B24","v":"121 876 953"},null,null,null,null,null,{"$f":"E5","v":"ACN:"},{"$f":"'ACR Template'!B24","v":"121 876 953"}]
[null,null,null,null,"Licence Number:",{"$f":"'ACR Template'!B25","v":388249},null,null,null,null,null,{"$f":"E6","v":"Licence Number:"},{"$f":"'ACR Template'!B25","v":388249}]
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[null,null,"PROPOSAL DISCLOSURE DOCUMENT",null,null,null,null,null,null,"PROPOSAL DISCLOSURE DOCUMENT"]
[null,"Congratulations, you have chosen a licensed Finance Broker authorised to provide loan assistance under the National Consumer Credit Protection Act of 2009 (NCCP Act).",null,null,null,null,null,null,"Congratulations, you have chosen a licensed Finance Broker authorised to provide loan assistance under the National Consumer Credit Protection Act of 2009 (NCCP Act)."]
[null,"This document is designed to provide you with information on commissions we receive if you proceed with this proposal for finance.",null,null,null,null,null,null,"This document is designed to provide you with information on commissions we receive if you proceed with this proposal for finance."]
[null,"KEY INFORMATION",null,null,null,null,null,null,"KEY INFORMATION"]
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[null,"Customers Surname:",{"$f":"'Home Page'!E16","v":0},null,null,null,null,null,"Customers Surname:",{"$f":"C13","v":0}]
[null,"Customers Given Name:",{"$f":"'Home Page'!E17","v":0},null,null,null,null,null,"Customers Given Name:",{"$f":"C14","v":0}]
[null,"Customers Middle Name:",{"$f":"'Home Page'!E18","v":0},null,null,null,null,null,"Customers Middle Name:",0]
[null,"Address:",{"$f":"'Home Page'!E19","v":0},null,null,null,null,null,"Address:",0]
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[null,"Phone:",{"$f":"'Home Page'!E20","v":0},null,null,null,null,null,"Phone:",{"$f":"C18","v":0}]
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[null,"E-mail:",{"$f":"'Home Page'!E21","v":0},null,null,null,null,null,"E-mail:",{"$f":"C20","v":0}]
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[null,"Licensee's full name:",null,{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"},null,null,null,null,"Licensee's full name:",null,{"$f":"'ACR Template'!B22","v":"Brokers Mutual Acceptance Pty Ltd"}]
[null,"ABN:",null,{"$f":"'ACR Template'!B23","v":"20 121 876 953"},null,null,null,null,"ABN:",null,{"$f":"'ACR Template'!B23","v":"20 121 876 953"}]
[null,"ACN:",null,{"$f":"'ACR Template'!B24","v":"121 876 953"},null,null,null,null,"ACN:",null,{"$f":"'ACR Template'!B24","v":"121 876 953"}]
[null,"Credit Licence Number:",null,{"$f":"'ACR Template'!B25","v":388249},null,null,null,null,{"$f":"B25","v":"Credit Licence Number:"},null,{"$f":"'ACR Template'!B25","v":388249}]
[null,"Trading Address:",null,{"$f":"'ACR Template'!B26","v":"5/6 Somerset Ave Narellan NSW 2567"},null,null,null,null,"Trading Address:",null,{"$f":"'ACR Template'!B26","v":"5/6 Somerset Ave Narellan NSW 2567"}]
[null,"Mailing Address:",null,{"$f":"'ACR Template'!B27","v":"PO Box 680 Narellan NSW 2567"},null,null,null,null,"Mailing Address:",null,{"$f":"'ACR Template'!B27","v":"PO Box 680 Narellan NSW 2567"}]
[null,"Phone:",null,{"$f":"'ACR Template'!B28","v":"02 4647 5666"},null,null,null,null,"Phone:",null,{"$f":"'ACR Template'!B28","v":"02 4647 5666"}]
[null,"Fax:",null,{"$f":"'ACR Template'!B29","v":0},null,null,null,null,"Fax:",null,{"$f":"'ACR Template'!B29","v":0}]
[null,"Email",null,{"$f":"'ACR Template'!B30","v":"info@brokersmutual.com.au"},null,null,null,null,"Email",null,{"$f":"'ACR Template'!B30","v":"info@brokersmutual.com.au"}]
[]
[null,"Credit Representative Full Name:",null,{"$f":"'ACR Template'!B9","v":0},null,null,null,null,"Credit Representative Full Name:",null,{"$f":"'ACR Template'!B9","v":0}]
[null,"Authorised Credit Representative Number:",null,{"$f":"'ACR Template'!B12","v":0},null,null,null,null,"Authorised Credit Representative Number:",null,{"$f":"'ACR Template'!B12","v":0}]
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[]
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[null,"Proposed Finance:",null,null,null,null,null,null,"Proposed Finance:"]
[null,"Lender:",null,{"$f":"'Home Page'!E25","v":"Affordable Car Loans"},null,null,null,null,{"$f":"B42","v":"Lender:"},null,{"$f":"D42","v":"Affordable Car Loans"}]
[null,"Purpose of Loan:",null,{"$f":"'Home Page'!E24","v":"Vehicle Purchase"},null,null,null,null,{"$f":"B43","v":"Purpose of Loan:"},null,"Vehicle Purchase"]
[null,"Loan Amount:",null,{"$f":"'Home Page'!E26","v":10000},null,null,null,null,"Loan Amount:",null,10000]
[null,"Term of Loan:",null,{"$f":"'Home Page'!E27","v":60},null,null,null,null,"Term of Loan:",null,60]
[null,"Indicative Interest Rate:",null,{"$f":"'Home Page'!E28","v":9.9900000000000003E-2},null,null,null,null,"Indicative Interest Rate:",null,9.9900000000000003E-2]
[null,"Indicative monthly repayment:",null,{"$f":"'Home Page'!E29","v":241.35687242092828},null,null,null,null,"Indicative monthly repayment:",null,241.35687242092828]
[null,"Balloon or Residual Payment:",null,{"$f":"'Home Page'!E31","v":0},null,null,null,null,"Balloon or Residual Payment:",null,0]
[null,"Loan Type:",null,{"$f":"'Home Page'!E32","v":"Secured Credit Loan Contract"},null,null,null,null,"Loan Type:",null,"Secured Credit Loan Contract"]
[]
[null,"*Fees Payable by you to us",null,"(inc GST)",null,null,null,null,"*Fees Payable by you to us",null,"(inc GST)"]
[null,"(as per agreed quote)",null,null,null,null,null,null,"(as per agreed quote)"]
[null,"Our service fee for loan preparation:",null,{"$f":"'Home Page'!E35","v":770},"(once off)",null,null,null,{"$f":"B53","v":"Our service fee for loan preparation:"},null,{"$f":"D53","v":770},"(once off)"]
[]
[null,"**Fees Payable by you to lender",null,null,null,null,null,null,"**Fees Payable by you to lender"]
[null,"(as per agreed quote)",null,null,null,null,null,null,"(as per agreed quote)"]
[null,"Inspection Fee:",null,{"$f":"'Home Page'!E37","v":0},"(once off)",null,null,null,{"$f":"B57","v":"Inspection Fee:"},null,{"$f":"D57","v":0},"(once off)"]
[null,"Lenders Loan Application Fee:",null,{"$f":"'Home Page'!E38","v":350},"(once off)",null,null,null,{"$f":"B58","v":"Lenders Loan Application Fee:"},null,{"$f":"D58","v":350},"(once off)"]
[null,"Motor vehicle / Asset registration Fee:",null,{"$f":"'Home Page'!E39","v":6.8},"(once off)",null,null,null,"Motor vehicle / Asset registration Fee:",null,6.8,"(once off)"]
[null,"Lenders Monthly Account Keeping Fee:",null,{"$f":"'Home Page'!E40","v":5},"(on going)",null,null,null,"Lenders Monthly Account Keeping Fee:",null,5,"(on going)"]
[null,"* / ** These figures are estimates only and the final figures will be shown in your credit contract or lease. Some or all of these fees may be paid from the finance proceeds. These fees (apart from the monthly account keeping fee) are payable only once. We are not aware of any other fees or charges payable to anyone else in relation to the application for finance, but the lender may impose some additional requirements.",null,null,null,null,null,null,"* / ** These figures are estimates only and the final figures will be shown in your credit contract or lease. Some or all of these fees may be paid from the finance proceeds. These fees (apart from the monthly account keeping fee) are payable only once. We are not aware of any other fees or charges payable to anyone else in relation to the application for finance, but the lender may impose some additional requirements."]
[]
[null,"Commission",null,null,null,null,null,null,"Commission"]
[null,"The following are reasonable estimates of the commission payable under your Credit Contract.",null,null,null,null,null,null,"The following are reasonable estimates of the commission payable under your Credit Contract."]
[null,"A share of the commission may be apportioned to the Credit Representative. These amounts ",null,null,null,null,null,null,"A share of the commission may be apportioned to the Credit Representative. These amounts "]
[null,"will not be paid if you do not proceed with the Credit Contract. ",null,null,null,null,null,null,"will not be paid if you do not proceed with the Credit Contract. "]
[null,"Fee or Charge","Explanation",null,"Reasonable estimate",null,null,null,"Fee or Charge","Explanation",null,"Reasonable estimate"]
[null,"Commission on credit contract","Represents commission payable in providing credit assistance to you under the Credit Contract.",null,"From nil to 10% of the amount financed.",null,null,null,"Commission on credit contract","Represents commission payable in providing credit assistance to you under the Credit Contract.",null,"From nil to 10% of the amount financed."]
[null,"Volume Bonus","Represents volume based incentive payable in providing credit assistance to you under the Credit Contract.",null,"Range from 0% to 2% depending on type of finance, total volume introduced & subject to Aggregator performance & individual credit providers benchmarks set.",null,null,null,"Volume Bonus","Represents volume based incentive payable in providing credit assistance to you under the Credit Contract.",null,"Range from 0% to 2% depending on type of finance, total volume introduced & subject to Aggregator performance & individual credit providers benchmarks set."]
[null,"Trail commission","Represents ongoing commission payable under the Credit Contract.",null,"Range from 0% to 1% depending on type of finance, total volume introduced & subject to Aggregator performance & individual credit providers benchmarks set.",null,null,null,"Trail commission","Represents ongoing commission payable under the Credit Contract.",null,"Range from 0% to 1% depending on type of finance, total volume introduced & subject to Aggregator performance & individual credit providers benchmarks set."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Referral Fee",null,null,null,null,null,null,"Referral Fee"]
[null,"We have paid or will pay a referral fee of;",null,null,null,null,null,null,"We or our credit representatives have paid or will pay a referral fee of;"]
[null,"    Referral Fee:",{"$f":"'Home Page'!E46","v":0},null,null,null,null,null,"    Referral Fee:",{"$f":"C84","v":0}]
[null,"    Paid to Referrer being:",{"$f":"'Home Page'!E45","v":0},"for referring you to us.",null,null,null,null,"    Paid to Referrer being:",{"$f":"C85","v":0},"for referring you to us."]
[null," In addition, we receive referrals from a broad range of sources including for example, Accountants, Mortgage Brokers, Financial Advisors, Suppliers and vendors etc for referring you to us. These referral fees are generally small amounts and accord with usual business practise. These are not fees payable by you. You may on request, obtain a reasonable estimate of those commissions and how the commission is calculated.",null,null,null,null,null,null," In addition, we receive referrals from a broad range of sources including for example, Accountants, Mortgage Brokers, Financial Advisors, Suppliers and vendors etc for referring you to us. These referral fees are generally small amounts and accord with usual business practise. These are not fees payable by you. You may on request, obtain a reasonable estimate of those commissions and how the commission is calculated."]
[null,"If you have any questions regarding the information contained in this document, please contact us promptly.",null,null,null,null,null,null,"If you have any questions regarding the information contained in this document, please contact us promptly."]
[null,"Brokers Mutual Acceptance Pty Ltd ACN: 121 876 953 Australian Credit Licence Number: 388249 Released 15.02.2017",null,null,null,null,null,null,"Brokers Mutual Acceptance Pty Ltd ACN: 121 876 953 Australian Credit Licence Number: 388249 Released 15.02.2017"]

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[]
["CAFBA"]
["MFAA"]
["AELEA"]
[null,null,84,null,"Vehicle Purchase"]
[null,"Secured Credit Loan Contract",72,null,"Watercraft Purchase"]
[null,"Novated Lease",60,null,"Motorcycle Purchase"]
[null,"Consumer Finance Lease",48,null,"Personal Loan"]
[null,"Personal Loan",36]
[null,null,24]
[null,null,12]
[null,null,1]
[null,null,2,null,"ANZ Banking Group",null,"Affordable Car Loans"]
[null,null,3,null,"Latitude Financial Services",null,"ANZ Bank"]
[null,null,4,null,"Liberty Finance",null,"Australian Motorcycle and Marine Finance"]
[null,null,5,null,"Yamaha Finance",null,"Australian Premier Finance"]
[null,null,6,null,"Now Finance",null,"Automotive Financial Services"]
[null,null,7,null,"Money 3",null,"BetterChoice"]
[null,null,8,null,"Iden",null,"Finance 1"]
[null,null,9,null,"Pepper Finance",null,"Firstmac"]
[null,null,10,null,"Australian Premier Finance",null,"GreenLight Auto Finance"]
[null,null,11,null,"Group & General Finance",null,"Latitude Financial"]
[null,"Australian Financial Complaints Authority\nPhone:  1800 931 678\nhttps://www.afca.org.au/",12,null,null,null,"Liberty Financial"]
[null,null,13,null,null,null,"Macquarie Leasing"]
[null,null,14,null,null,null,"Money 3"]
[null,null,15,null,null,null,"MoneyPlace"]
[null,null,16,null,null,null,"Now Finance"]
[null,null,17,null,null,null,"Pepper Money"]
[null,null,18,null,null,null,"Plenti"]
[null,null,19,null,null,null,"SocietyOne"]
[null,null,20,null,null,null,"VWFS"]
[null,null,21,null,null,null,"Wisr"]
[null,null,22]
[null,null,23]
[null,null,24]
[null,null,25]
[null,null,26]
[null,null,27]
[null,null,28]
[null,null,29]
[null,null,30]
[null,null,31]
[null,null,32]
[null,null,33]
[null,null,34]
[null,null,35]
[null,null,36]
[null,null,37]
[null,null,38]
[null,null,39]
[null,null,40]
[null,null,41]
[null,null,42]
[null,null,43]
[null,null,44]
[null,null,45]
[null,null,46]
[null,null,47]
[null,null,48]
[null,null,49]
[null,null,50]
[null,null,51]
[null,null,52]
[null,null,53]
[null,null,54]
[null,null,55]
[null,null,56]
[null,null,57]
[null,null,58]
[null,null,59]
[null,null,60]
[null,null,61]
[null,null,62]
[null,null,63]
[null,null,64]
[null,null,65]
[null,null,66]
[null,null,67]
[null,null,68]
[null,null,69]
[null,null,70]
[null,null,71]
[null,null,72]
[null,null,73]
[null,null,74]
[null,null,75]
[null,null,76]
[null,null,77]
[null,null,78]
[null,null,79]
[null,null,80]
[null,null,81]
[null,null,82]
[null,null,83]
[null,null,84]

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