Common use of Your rights to your information Clause in Contracts

Your rights to your information. You and the Guarantor have the right to access and request correction of information we hold about you, and full details of every organisation to whom we have disclosed information about you, by contacting us on 0800 85 30 30. Clause 15: Dictionary Some of the terms used in this Agreement are defined in the “Commercial Terms”. Otherwise: accrued (interest) interest which is calculated and grows on the principal amount of the Loan Agreement these General Terms and the Commercial Terms (including the Fee Schedule) Annual Interest Rate the rate stated in the “Annual Interest Rate” section on page 1 of the Commercial Terms (or the updated Annual Interest Rate if we have updated it in accordance with clause 12.2(b)(iii)) assign to pass rights to another person (but not obligations) bankrupt includes the bankruptcy of, and entry into any “non-asset procedure” (which is an alternative to bankruptcy) by an individual Borrower or Guarantor and the dissolution, liquidation, receivership, administration and winding-up of any other Borrower or Guarantor Borrower the person or persons named as a “Borrower” on the front page of the Commercial Terms business day a day (other than a Saturday, Sunday or public holiday observed in New Zealand) on which registered banks are opened for general banking business in New Zealand Commercial Terms the terms set out under the heading “Commercial Terms” at the beginning of this Agreement cost includes all commissions, charges, losses, expenses (including legal fees on a solicitor and own client basis) and taxes that we incur debt includes any obligation you have to us now or in the future in any capacity relating to the payment of money Default Interest Rate is defined in clause 5.1 as the higher of the rate per annum equal to (a) the Annual Interest Rate at the time of the default plus 6 per cent per annum and (b) 18 per cent per annum (as amended under clause 12.2(b)(iv)) dispose includes any assignment, transfer, lending arrangement, variation of terms, lease, sub- lease and sale and anything that has the same effect as any of those things due owed to us on a specific date Event of Default any event listed in clause 6.1 and any other circumstance that is likely to be such an event if we give you notice, or if time passes, or if another requirement is met financing statement has the meaning given in the PPSA financing change statement has the meaning given in the PPSA

Your rights to your information. You and the Guarantor have the right to access and request correction of information we hold about you, and full details of every organisation to whom we have disclosed information about you, by contacting us on 0800 85 30 30. Clause 15: Dictionary Some of the terms used in this Agreement are defined in the “Commercial Terms”. Otherwise: accrued (interest) interest which is calculated and grows on the principal amount of the Loan Agreement these General Terms and the Commercial Terms (including the Fee Schedule) Annual Interest Rate the rate stated in the “Annual Interest Rate” section on page 1 of the Commercial Terms (or the updated Annual Interest Rate if we have updated it in accordance with clause 12.2(b)(iii12.2(b) (iii)) assign to pass rights to another person (but not obligations) bankrupt includes the bankruptcy of, and entry into any “non-asset procedure” (which is an alternative to bankruptcy) by an individual Borrower or Guarantor and the dissolution, liquidation, receivership, administration and winding-up of any other Borrower or Guarantor Borrower the person or persons named as a “Borrower” on the front page of the Commercial Terms business day a day (other than a Saturday, Sunday or public holiday observed in New Zealand) on which registered banks are opened for general banking business in New Zealand Commercial Terms the terms set out under the heading “Commercial Terms” at the beginning of this Agreement cost includes all commissions, charges, losses, expenses (including legal fees on a solicitor and own client basis) and taxes that we incur debt includes any obligation you have to us now or in the future in any capacity relating to the payment of money Default Interest Rate is defined in clause 5.1 as the higher of the rate per annum equal to (a) the Annual Interest Rate at the time of the default plus 6 per cent per annum and (b) 18 per cent per annum (as amended under clause 12.2(b)(iv)) dispose includes any assignment, transfer, lending arrangement, variation of terms, lease, sub- lease and sale and anything that has the same effect as any of those things due owed to us on a specific date Event of Default any event listed in clause 6.1 and any other circumstance that is likely to be such an event if we give you notice, or if time passes, or if another requirement is met financing statement has the meaning given in the PPSA financing change statement has the meaning given in the PPSA

Your rights to your information. You and the Guarantor have the right to access and request correction of information we hold about you, and full details of every organisation to whom we have disclosed information about you, by contacting us on 0800 85 30 3088 20 20. Clause 1514: Dictionary Dictionairy Some of the terms used in this Agreement are defined in the “"Commercial Terms”". Otherwise: accrued (interest) interest which is calculated and grows on the principal amount of the Loan Agreement these General Terms and the Commercial Terms (including the Fee Schedule) Annual Interest Rate the rate stated in the “"Annual Interest Rate” " section on page 1 of the Commercial Terms (or the updated Annual Interest Rate if we have updated it in accordance with clause 12.2(b)(iii11.2(b) (iii)) assign to pass rights to another person (but not obligations) bankrupt includes the bankruptcy of, and entry into any “non-asset procedure” (which is an alternative to bankruptcy) by an individual Borrower or Guarantor and the dissolution, liquidation, receivership, administration and winding-up of any other Borrower or Guarantor Borrower the person or persons named as a “Borrower” on the front page of the Commercial Terms business day a day (other than a Saturday, Sunday or public holiday observed in New Zealand) on which registered banks are opened for general banking business in New Zealand Commercial Terms the terms set out under the heading “Commercial Terms” at the beginning of this Agreement cost includes all commissions, charges, losses, expenses (including legal fees on a solicitor and own client basis) and taxes that we incur debt includes any obligation you have to us now or in the future in any capacity relating to the payment of money Default Interest Rate is defined in clause 5.1 4.1 as the higher of the rate per annum equal to (a) the Annual Interest Rate at the time of the default plus 6 per cent per annum and (b) 18 per cent per annum (as amended under clause 12.2(b)(iv)) dispose includes any assignment, transfer, lending arrangement, variation of terms, lease, sub- lease and sale and anything that has the same effect as any of those things due owed to us on a specific date Event of Default any event listed in clause 6.1 5.1 and any other circumstance that is likely to be such an event if we give you notice, or if time passes, or if another requirement is met financing statement Guaranteed Debt in relation to the Guarantor, all debt of the Borrower and (if relevant) each other Guarantor to us, including the unpaid principal amount of the Loan, plus all accrued and unpaid interest and costs relating to it and all other amounts due to us under any Relevant Document liable legally responsible Loan the principal amount that we pay you under this Agreement (the "Loan Amount" listed on page 1 of the Commercial Terms) and, depending on the context, may also include all accrued and unpaid interest and fees and charges relating to the principal amount payable under this Agreement Payment Amount is defined in clause 3.1(ii) Payment Date is defined in clause 3.1(ii) person an individual and any entity, such as a company, whether or not it exists as a separate "person" at law PPSA the Personal Property Securities Xxx 0000 principal the principal amount of the Loan is the amount you borrow from us (this does not include accrued interest or fees relating to the Loan) Property includes any legal or present and future property, revenue and rights, and any legal or equitable interest in it Related Security Agreement each security agreement, guarantee or other agreement (present or future) that is expressed to be security for the Loan, or that you and we otherwise agree in writing is a “Related Security Agreement” for the purposes of this Agreement. Relevant Documents this Agreement, each Related Security Agreement and each other agreement (present or future) evidencing or relating to the Secured Debt Schedule of Payments the SCHEDULE OF PAYMENTS on page 1 of the Commercial Terms Secured Property all property that is secured property for the purposes of any Related Security Agreement and all of your present and future right, title and interest (legal and equitable) in all documents of title relating to, and proceeds of, that property security interest an interest in personal property that, in substance, secures payment or performance of an obligation xxx take legal action (such as taking you to court) unpaid (interest) interest which, at a particular time, is due but has not been paid or which has not been added to the meaning given principal amount of the Loan at that time we (or us) the Lender, i-finance, a division of Heartland Bank Limited you the Borrower or, if there is more than one Borrower, all Borrowers equally INTERPRETING THIS AGREEMENT The Agreement must be interpreted using the following rules (unless it would not make sense to do so): • Ignore all headings, bolded text and italicised text when interpreting this Agreement. • Where we have provided an explanation of a legal word (in brackets), the legal word or phrase takes priority over the explanation. • Where we refer to one thing (the singular), we include multiple things (the plural), and the other way around. • Where we define a word or expression in the PPSA financing change statement has the meaning given Dictionary or in the PPSACommercial Terms, then other grammatical forms of that word or expression have corresponding meanings. • Where we refer to any statute, we include all future versions if it, including all changes to it, all re-enactments or replacements of it, and all regulations and orders in-council made in connection with it. • Where we refer to you, or to a Guarantor, we include any person that legally takes over your or the Guarantor’s responsibilities or rights, or both. • Where we refer to the Lender (or "we" or "us"), we include any person that legally takes over our responsibilities or rights, or both. This includes any of our transferees or assignees under clause 10.1.