Common use of Right to Cancel Clause in Contracts

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSL. Time limits for cancellation: • If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. • If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays and national public holidays are not counted as working days. How to cancel: To cancel, you must give FSL written notice that you intend to cancel the contract by giving notice to FSL or an employee or agent of FSL; or posting the notice to FSL or an agent of FSL; or emailing the notice to FSL’s email address (if specified on the front of this disclosure statement); or sending the notice to FSL’s fax address (if specified on the front of this disclosure statement). You must also, within the same time, return to FSL any advance and any other property received by you under the contract. What you may have to pay if you to cancel: If you cancel the contract, FSL can charge you the amount of any reasonable expenses it has had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If you cancel the contract, FSL can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FSL for a hardship variation. To apply for a hardship variation, you need to: make an application in writing; and explain your reason(s) for the application; and request one of the following: an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both of the above; and give the application to FSL. Do this as soon as possible. If you leave it for too long, FSL may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you resolve any disagreements you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61

Right to Cancel. You are entitled to cancel the consumer credit contract this Agreement by giving notice to FSLFNL. Time limits for cancellation: • If the disclosure documents are handed to you directly you cancellation You must give notice that you intend to cancel this Agreement: a. within 5 working days after you receive of the documents. • If statement date on the disclosure documents are sent front of this document if this Disclosure Statement is given to you by electronic means (for example, email) you must give notice that you intend to cancel in person; or b. within 7 working days after of the electronic communication date the Disclosure Statement is sent. If the documents are mailed to you, you must give the notice sent if this Disclosure is sent by email or otherwise provided electronically; or c. within 9 working days after they were postedof the date of posting if this Disclosure Statement is posted to you. SaturdaysSaturday, Sundays and national public holidays are not counted as working days. How to cancel: cancel To cancel, you must give FSL to FNL written notice that you intend to cancel the contract Agreement by • giving notice to FSL FNL or an employee or agent of FSLFNL; or • posting the notice to FSL or an agent of FSLFNL; or • emailing the notice to FSLFNL’s email address (if specified on at the front top of this disclosure statementDisclosure Statement); or • sending the notice to FSLFNL’s fax address number (if specified on at the front top of this disclosure statementDisclosure Statement). You must also, within the same time, return to FSL FNL any advance and any other property received by you under the contractagreement. What you may have to pay if you to cancel: ? If you cancel the contractAgreement, FSL FNL can charge you the amount of any reasonable expenses it has FNL had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc).If etc). If you cancel the contractAgreement, FSL FNL can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable to reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FSL FNL for a hardship variation. To apply for a hardship variation, you need to: make a. Make an application in writing; and explain b. Explain your reason(s) for the application; and request c. Request one of the following: • an extension of the term of the contract Agreement (which will reduce the amount of each payment due under the contract);a Agreement); or • a postponement of the dates on which payments are due under the contract agreement (specify the period for which you want this to apply); or • both of the above; and give d. Give the application to FSLFNL. Do this as soon as possible. If you leave it for too long, FSL FNL may not have to consider your application. Name DISPUTE RESOLUTION FNL is a member of Dispute Resolution Scheme: Financial Dispute Resolution the Banking Ombudsmen dispute resolution scheme. It is free to make a complaint to this independent dispute resolution resolutions scheme. This scheme can help you to resolve any disagreements disagreement you have with FSLFNL. Contact details of the dispute resolution schemescheme are: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx xxx.xxxxxxx.xxx.xx Business Addressaddress: Level 0Freepost 218002, 000 Xxxxxxxxxxxx XxxxxxPO Box 00000, Wellington 6011Xxxxxxxxxxx Xxxxx, Xxxxxxxxxx 0000. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe creditor. Time limits for cancellation: cancellation • If the disclosure documents are handed to you directly you You must give notice that you intend to cancel a contract within 5 working days after you receive of the documents. • If statement date on the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were postedfront of this document. Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, cancel you must give FSL the creditor written notice that you intend to cancel the a contract by – • giving notice to FSL the creditor or an employee or agent of FSLthe creditor; or • posting the notice to FSL the creditor or an agent of FSLthe creditor; or • emailing the notice to FSLthe creditor’s email address (if specified on the front of this disclosure statement); or • sending the notice to FSLthe creditor’s fax address number (if specified on the front of this disclosure statement). You must also, within the same time, also return to FSL the creditor any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL contract the creditor can charge you the amount of any reasonable expenses it has the creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If etc). If you cancel the contract, FSL the creditor can also charge you • interest for the period from the day you received the advance until the day you repay the advanceadvance and • If any returned property has been damaged while in your possession, the costs of repairing the damage. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FSL the creditor for a hardship variation. To apply for a hardship variation, you need to: make an application in writing; and explain your reason(s) for the application; and request one of the following: an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both of the above; and give the application to FSL. Do this as soon as possible. If you leave it for too long, FSL may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you resolve any disagreements you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe lender. Time limits for cancellation: • If the disclosure documents are handed to you directly you cancellation *You must give notice that you intend to cancel a contract within 5 working days after you receive of the documents. • If statement date on the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were postedfront of this document. Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, cancel you must give FSL the lender written notice that you intend to cancel the a contract by – * giving notice to FSL the lender or an employee or agent of FSLthe lender; or * posting the notice to FSL the lender or an agent of FSLthe lender; or * emailing the notice to FSLthe lender’s email address (if specified on the front of this disclosure statement); or * sending the notice to FSLthe lender’s fax address number (if specified on the front of this disclosure statement). You must also, within the same time, also return to FSL the lender any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL contract the lender can charge you the a. The amount of any reasonable expenses it has the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If you cancel the contract, FSL can also charge you interest etc) and b. Interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FSL the creditor for a hardship variation. To apply for a hardship variation, you need to: a. make an application in writing; and b. explain your reason(sreasons(s) for the application; and c. request one of the following: • an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a contract); or • postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or • both of the above; and d. give the application to FSLthe lender. Do this as soon as possible. If you leave it for too long, FSL the lender may not have to consider your application. Please note also that you may not make an application if, when you entered the consumer credit contract, the illness, injury, loss of employment, end of relationship or other reasonable cause was reasonably foreseeable to you. DISPUTE RESOLUTION* Name of Dispute Resolution Schemedispute resolution scheme: Financial Dispute Resolution Services Complaints Ltd It is free to make a complaint to this independent dispute resolution scheme. This The scheme can help you to resolve any disagreements that you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61lender.

Right to Cancel. You are entitled to may cancel the consumer credit contract this facility by giving us written notice to FSLand meeting the other requirements below. Time limits for cancellation: • If the disclosure documents are handed to you directly you cancellation You must give notice that you intend to cancel this facility within the following time limits: • if these Details are given to you in person, within 5 working days after you receive the documents. them, • If the disclosure documents if these Details are sent to you by email or other electronic means (for examplecommunication, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents , or • if these Details are mailed sent to youyou by post, you must give the notice within 9 working days after they were are posted. Saturdays, Sundays and national public holidays are not counted as working days. How to cancel: To cancel, you cancel You must give FSL us written notice that you intend to cancel the contract by by: • giving notice to FSL us or an our employee or agent of FSL; agent, or • posting the notice to FSL us or an agent of FSL; our agent, or • emailing the notice to FSL’s our email address (if specified on at the front start of this disclosure statement); or sending the notice to FSL’s fax address (if specified on the front of this disclosure statement)these Details. You must also, within also return the same time, return to FSL any advance and any other property received by you under the contractUtilised Amount for this facility. What you may have to pay if you cancel In addition to cancel: If repaying the Utilised Amount for this facility, if you cancel the contractthis facility, FSL can we may charge you the amount of any reasonable expenses it has had to pay we necessarily incur in connection with this facility and the contract cancellation, and its cancellation (including legal fees and fees for credit reports, etc).If interest charges on any advance provided to you cancel the contract, FSL can also charge you interest for the period from the day until it is repaid. What to do if you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: suffer unforeseen hardship If you are unable reasonably to keep up with your payments or other obligations unable, because of illness, injury, loss of employment, the end of a relationship, relationship or other reasonable causereasons, to meet your obligations under this facility, you may be able to can apply to FSL make changes for a hardship variationthis facility in writing to us specifying the reason for your inability to meet those obligations. To apply for a hardship variation, you need to: make an Your written application in writing; and must explain your reason(s) for the application; and request one of the following: an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a a postponement of your payment date(s) for amount you are owing to under this facility (without changing the dates on which payments are due under the contract (specify the period for which you want applicable Interest Rate). You should make this to apply); or both of the above; and give the application to FSL. Do this as soon as possiblepossible after you become aware that you are unable to meet your payment obligations under this facility. If you leave it for too long, FSL interest payment will keep accumulating for the amount you owe us and we may not have to consider your application. Name of Dispute Resolution SchemeThere may also be extra requirements you will need to meet if: Financial Dispute Resolution It is free • you have already missed a payment that we asked you to make; • we have already sent you a notice under the Property Law Act 2007 for payment; or • you have sent us a similar application in the recent past. We may only be able to make a complaint changes to this independent dispute resolution schemefacility if we believe the requested changes are fair and reasonable given the hardship you are experiencing. Security required for this facility This scheme is secured credit. You acknowledge that the following security extends to and secures any money owing (now or in the future) under this facility. If you fail to pay us any amount under this facility when due or otherwise breach the terms of this facility, we may be entitled to repossess and sell the property referred to below. If we exercise our rights under the security and there is a shortfall, you will remain liable to pay us the amount of any shortfall. You may not give the same security (as that term is defined in the General Terms & Condition) unless we agree in writing. If we had not agreed and any security interest is given to someone else, we can help ask you resolve any disagreements to repay the amount you have with FSLare owing to under this facility. Contact details of If the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0amount you are owing to under this facility is not repaid, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61we may be entitled to repossess and sell the property.

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe lender. Time limits for cancellation: • If the disclosure documents are handed to you directly you cancellation *You must give notice that you intend to cancel a contract within 5 working days after you receive of the documents. • If statement on the front of this document, date or the disclosure documents are sent to you by electronic means date (for example, email) you must give notice that you intend to cancel within 7 working days after whichever is the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were postedlatter). Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, cancel you must give FSL the lender written notice that you intend to cancel the a contract by – giving notice to FSL the lender or an employee or agent of FSLthe lender; or posting the notice to FSL the lender or an agent of FSLthe lender; or emailing the notice to FSLthe lender’s email address (if specified on the front of this disclosure statement); or sending the notice to FSLthe lender’s fax address number (if specified on the front of this disclosure statement). You must also, within the same time, return to FSL the lender any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL contract the lender can charge you the amount of any reasonable expenses it has the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If etc). *If you cancel the contract, FSL the lender can also charge you interest – • Interest for the period from the day you received the advance until the day you repay the advanceadvance and • If any returned property has been damaged while in your possession, the costs of repairing the damage. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FSL the lender for a hardship variation. To apply for a hardship variation, you need to: make an application in writing; and explain your reason(s) for the application; and request one of the following: an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both of the above; and give the application to FSL. Do this as soon as possible. If you leave it for too long, FSL may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you resolve any disagreements you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe Creditor. Time limits for cancellation: • cancellation If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. • If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, you must give FSL the Creditor written notice that you intend to cancel the contract by giving by: • Giving notice to FSL the Creditor or an employee or agent of FSLthe Creditor; or posting • Posting the notice to FSL the Creditor or an agent of FSLthe Creditor; or emailing • Emailing the notice to FSL’s the Creditor's email address (if specified on the front of this disclosure statement); or sending • Sending the notice to FSL’s the Creditor's fax address number (if specified on the front of this disclosure statement). You must also, within the same time, return to FSL the Creditor any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL the Creditor can charge you the amount of any reasonable expenses it has the Creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If etc.). If you cancel the contract, FSL the Creditor can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FSL the Creditor for a hardship variation. To apply for a hardship variation, you need to: make • Make an application in writing; and explain • Explain your reason(s) for the application; and request • Request one of the following: an o An extension of the term of the contract (which will reduce the amount of each payment due under the contract);a contract); or o A postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both o Both of the above; and give • Give the application to FSLthe Creditor. Do this as soon as possible. If you leave it for too long, FSL the Creditor may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution DISPUTE RESOLUTION It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with FSLthe Creditor. Contact details of the dispute resolution scheme: Name: [Entity.DisputeResolutionName] Phone: 0000 000 000 [Entity.DisputeResolutionPhone] Email: [Entity.DisputeResolutionEmail] Website: xxx.xxx.xxx.xx [Entity.DisputeResolutionWebsite] Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. [Entity.DisputeResolutionAddress] REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERREGISTER Financial Service Provider Register details: Creditor registration nameCredit Registration Name: Financial Synergy Limited. [Entity.LicenceName] Registration Number: FSP25762 Financial Synergy Limited[Entity.LicenceNumber] MONETARY DECLARATION This declaration sets out how funds will be transferred to you, PO Box 106 935how any subsequent withdrawals can be arranged and what you have requested to be recorded as a payment arrangement for this loan agreement. Loan Agreement number [Account.AccountId]. Nominated bank account This is the nominated bank account for the initial loan payment direct transfer, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Useall ongoing withdrawals and which payments to be made from: S45C0.00.6.61BankAccountNum BankAccountName Once the initial loan payment transfer or withdrawal has been made by DCO FINANCE, the funds are not able to be recalled. Payments (if any) to other parties (Loan Payment – Other Party) will be direct transferred to their respective bank accounts. Initial loan payment transfer: Once the documents have been signed and finalised, the loan payment amount will be electronically transferred to the above bank account. If your bank account is held with one of the major trading banks, (ANZ, ASB, BNZ, Kiwibank, Westpac) this will be available within four hours under normal circumstances. If your bank account is held with a different bank or a credit union or a co-operative, you may not be able to draw on these funds until the next day. Payment arrangement set: In order to ensure the minimum monthly payment commitment is met, you have requested the following payment arrangement for this loan agreement: Amount: Starting On: Frequency: Via: Conditions relating to the direct debit authority / payment arrangements: • Charges relating to a direct debit authority being loaded and ongoing amendment fees will apply as outlined in the disclosure document. • Any amendments to a direct debit authority will need to be requested in writing with a minimum of 24 hours’ notice prior to the proposed amendment and will incur a $10 amendment fee. • Should a scheduled payment fall on a public holiday or weekend, the scheduled payment will be direct debited from your bank account on the next working day. • It is your responsibility to ensure the required funds are available in the bank account for each scheduled payment and that should a payment dishonor (for whatever reason), you may be charged a payment reversal fee along with being issued a charged default or reminder notice. • If DCO FINANCE obtains evidence of suspected financial hardship, the amount being direct debited each installment may be reduced or suspended temporarily while contact is being sought to investigate whether a hardship restructure is appropriate. • Correspondence notice of adjustments due to public holidays, requested alterations will be done via SMS to the nominated mobile number held on file. DIRECT DEBIT AUTHORITY DIRECT CASH ORDERS LIMITED Authority to accept Direct Debits BANK INSTRUCTIONS NAME: (of Bank Account) BankAccountName AUTHORITY TO ACCEPT DIRECT DEBITS (Not to operate as an assignment or agreement) BANK ACCOUNT FROM WHICH PAYMENTS TO BE MADE: BankAccountNumber AUTHORISATION CODE 0000000 TO THE BANK MANAGER BankBranchName I / We authorise you until further notice, to debit my/our account with all amounts which DIRECT CASH ORDERS LIMITED (hereinafter referred to as the Initiator) the registered Initiator of the above Authorisation Code, may initiate by Direct Debit. I / We acknowledge and accept that the bank accepts this authority only upon the conditions listed below. INFORMATION TO APPEAR ON MY / OUR BANK STATEMENT: PAYER PARTICULARS DCO FINANCE PAYER CODE [Account.AccountId] PAYER REFERENCE YOUR SIGNATURE(S) DATE: [Account.DateOpened] [Account.ESignatureBlock]

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe lender. Time limits for cancellation: • If the disclosure documents are handed to you directly you cancellation *You must give notice that you intend to cancel a contract within 5 working days after you receive of the documents. • If statement date on the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were postedfront of this document. Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, cancel you must give FSL the lender written notice that you intend to cancel the a contract by – * giving notice to FSL the lender or an employee or agent of FSLthe lender; or * posting the notice to FSL the lender or an agent of FSLthe lender; or * emailing the notice to FSLthe lender’s email address (if specified on the front of this disclosure statement); or * sending the notice to FSLthe lender’s fax address number (if specified on the front of this disclosure statement). You must also, within the same time, also return to FSL the lender any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL contract the lender can charge you the a. The amount of any reasonable expenses it has the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If you cancel the contract, FSL can also charge you interest etc) and b. Interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, or the end of a relationship, relationship or other reasonable cause, cause you may be able to apply to FSL the creditor for a hardship variation. To apply for a hardship variation, you need to: a. make an application in writing; and b. explain your reason(sreasons(s) for the application; and c. request one of the following:  an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a contract); or  postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or  both of the above; and d. give the application to FSLthe lender. Do this as soon as possible. If you leave it for too long, FSL the lender may not have to consider your application. Please note also that you may not make an application if, when you entered the consumer credit contract, the illness, injury, loss of employment, end of relationship or other reasonable cause was reasonably foreseeable to you. DISPUTE RESOLUTION* Name of Dispute Resolution Schemedispute resolution scheme: Financial Dispute Resolution Services Complaints Ltd It is free to make a complaint to this independent dispute resolution scheme. This The scheme can help you to resolve any disagreements that you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61lender.

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe creditor. Time limits for cancellation: • If the disclosure documents are handed to you directly you cancellation  You must give notice that you intend to cancel the contract within 5 working days after you receive of the documentsstatement date on the front of this document if the document was given to you. • If the disclosure documents are sent to you by electronic means (for example, email) you  You must give notice that you intend to cancel the contract within 7 working days after of the electronic communication is sent. If date the documents are mailed document was emailed or faxed to you, you .  You must give notice that you intend to cancel the contract within 7 working days of the date the document was signed electronically by you.  You must give notice that you intend to cancel the contract within 9 working days after they were postedof the date the document was posted to you. Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, you must give FSL the creditor written notice that you intend to cancel the contract by giving by:  Giving notice to FSL the creditor or an employee or agent of FSLthe creditor; or posting  Posting the notice to FSL the creditor or an agent of FSLthe creditor; or emailing  Emailing the notice to FSLthe creditor’s email address (if specified on the front of this disclosure statementdisclosure); or sending  Sending the notice to FSLthe creditor’s fax address number (if specified on the front of this disclosure statement). You must also, within the same time, also return to FSL the creditor any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL the creditor can also charge you the you:  The amount of any reasonable expenses it has the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reportsreports and property inspections, etc).If you cancel the contract, FSL can also charge you interest etc); and  Interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: What To Do If You Suffer Unforeseen Hardship If you are unable to reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FSL the creditor for a hardship variation. To apply for a hardship variation, you need to: make an application in writing; and explain your reason(s) for the application; and request one of the following: an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both of the above; and give the application to FSL. Do this as soon as possible. If you leave it for too long, FSL may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you resolve any disagreements you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61:

Right to Cancel. You are entitled The Credit Contracts and Consumer Finance Act 2003 gives you a right for a short time after the terms of this Agreement have been disclosed to you to cancel the consumer credit contract by Agreement. How to cancel If you want to cancel this Agreement you must give written notice to us that you intend to cancel this Agreement by:  giving notice to FSLus or one of our employees or agents; or  posting the notice to us or one of our agents; or  emailing the notice to our email address; or  sending the notice to our fax number. You must also return to us any advance and any other property received by you under the Agreement. Time limits for cancellation: • cancellation If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. • If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays and national public holidays are not counted as working days. How to cancel: To cancel, you must give FSL written notice that you intend to cancel the contract by giving notice to FSL or an employee or agent of FSL; or posting the notice to FSL or an agent of FSL; or emailing the notice to FSL’s email address (if specified on the front of this disclosure statement); or sending the notice to FSL’s fax address (if specified on the front of this disclosure statement). You must also, within the same time, return to FSL any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL Agreement we can charge you the you: (a) The amount of any reasonable expenses it has we had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc).If you cancel the contract, FSL can also charge you interest etc); and (b) Interest for the period from the day you received the advance Loan until the day you repay the advanceLoan. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that we are being unreasonable in any way, you should seek legal advice immediately. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FSL us for a hardship variation. To apply for a hardship variation, you need to: (a) make an application in writing; and (b) explain your reason(s) for the application; and (c) request one of the following:  an extension of to the term of the contract Agreement (which will reduce the amount of each payment due under the contract);a Agreement); or  a postponement of the dates on which payments are due under the contract Agreement (specify the period for which you want this to apply); or  both of the above; and (d) give the application to FSLus. Do this as soon as possible. If you leave it for too long, FSL we may not have to consider your application. Name of CONTINUING DISCLOSURE We may be required to provide you with regular disclosure statements. The statements will give you information about your account. If we are required to provide you with regular statements, those statements will be provided at least every six months, or at least every 45 working days if your Loan is a Revolving Credit Loan (or at such other times required under the Credit Contracts and Consumer Finance Act 2003). As an alternative, you agree that we may satisfy our obligation to provide regular statements by making the required information available on our website. Dispute Resolution SchemeWe are a member of the following dispute resolution scheme: The Insurance & Financial Dispute Resolution Services Ombudsman Scheme (IFSO) It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with FSLus. Contact details of the dispute resolution schemescheme are as follows: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx xxxx://xxx.xxxx.xx Business Addressaddress: Level 000, 000 Xxxxxxxxxxxx 00-00 Xxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.616011 Page 7 Copyright Co-op Money NZ 17624927

Right to Cancel. You, the buyer may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right. To cancel, sign and date one copy of the cancellation form. Then mail it to the address given for cancellation any time before midnight of the third business day after the contract date. Saturdays count as business days, Sun- days do not. Keep the other copy for your records. Proof of mailing date and proof of receipt are important, so, although it is not required, you should send a letter from your local post office by certified mail, with return receipt requested. You are entitled do not have to give a reason for canceling. It is your right under the law to change your mind. If you cancel your purchase, the consumer credit contract by giving notice to FSL. Time limits for cancellationseller has 10 days to: • If Cancel and return any promissory note or other negotiable instrument you signed; • Refund all your money and tell you whether any product you still have will be picked up; and • Return any trade-in. Within 20 days, the disclosure documents are handed seller must either pick up the items left with you, or reimburse you for mailing expenses, if you agree to you directly you must give notice that you intend to send back the items. NOTICE OF CANCELLATION {enter date of transaction} (date) You may cancel this transaction, without any penalty or obligation, within 5 working three business days after you receive from the documents. • If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sentabove date. If you cancel, any property traded in, any payments made by you under the documents are mailed to you, contract or sale and any negotiable instrument executed by you must give will be returned within ten business days following receipt by the seller of your cancellation notice within 9 working days after they were postedand any security interest arising out of the transaction will be cancelled. Saturdays, Sundays and national public holidays are not counted as working days. How to cancel: To If you cancel, you must give FSL written notice that make available to the seller at your residence in substantially as good condition as when received, any goods delivered to you intend to cancel the under this contract by giving notice to FSL or an employee or agent of FSLsale; or posting you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk. If you do make the goods available to the seller and the seller does not pick them up within twenty days of the date of your notice of cancellation, you may retain or dispose of the goods without any further obligation. If you fail to FSL make the goods available to the seller, or an agent if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of FSL; or emailing the notice to FSL’s email address (if specified on the front of this disclosure statement); or sending the notice to FSL’s fax address (if specified on the front of this disclosure statement). You must also, within the same time, return to FSL any advance and any other property received by you all obligations under the contract. What you may have to pay if you to cancel: If you To cancel the contractthis transaction, FSL can charge you the amount mail or deliver a signed and dated copy of this cancellation notice or any reasonable expenses it has had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If you cancel the contract, FSL can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationshipwritten notice, or other reasonable causesend a telegram, you may be able to apply to FSL for a hardship variation. To apply for a hardship variation{name of seller}, you need to: make an application in writing; and explain your reason(s) for the application; and request one at {address of the following: an extension seller's place of the term business} not later than midnight of the contract (which will reduce the amount of each payment due under the contract);a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both of the above; and give the application to FSL. Do this as soon as possible. If you leave it for too long, FSL may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you resolve any disagreements you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61.

Right to Cancel. You are entitled to cancel the This Agreement is a consumer credit contract by giving notice for the purposes of the Credit Contracts and Consumer Finance Xxx 0000, that Act gives you a right for a short time after the terms of your Agreement have been disclosed to FSLyou to cancel your Agreement. Time limits for cancellation: • If the disclosure documents are this Agreement is handed to you directly directly, you must give notice that you intend to cancel within 5 five working days after you receive the documentshave received it. • If the disclosure documents are this Agreement is sent to you by electronic means (for example, e.g. email) you must give notice that you intend of intention to cancel within 7 seven working days after the electronic communication is has been sent. If the documents are this Agreement is mailed to you, you must give the notice of intention to cancel within 9 nine working days after they were the Agreement was posted. Saturdays, Sundays and national public holidays are not counted as working days. How If you want to cancel: To cancel, cancel your Agreement you must give FSL us written notice that you intend to cancel the contract by giving notice to FSL or an employee or agent of FSL; or posting the notice to FSL or an agent of FSL; or emailing the notice to FSL’s email address (if specified on the front of this disclosure statement); or sending the notice to FSL’s fax address (if specified on the front of this disclosure statement)notice. You must also, within the same time, also return to FSL Simplicity any advance and any other property received by you under the contractin respect to your Agreement. What you may have to pay if you to cancel: If you cancel the contract, FSL can charge you the amount This statement only contains a summary of any reasonable expenses it has had to pay your rights and obligations in connection with the contract right to cancel. If there is anything about your rights or obligations under the Credit Contracts and its cancellation (including Consumer Finance Xxx 0000 that you do not understand, if there is a dispute about your rights, or if you think we are being unreasonable in any way, you should seek legal fees and fees for credit reports, etc).If you cancel the contract, FSL can also charge you interest for the period from the day you received the advance until the day you repay the advanceadvice immediately. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: Unforeseen Hardship If you are unable reasonably in financial difficulty it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If you are not able to keep up with meet your payments or other obligations under this Agreement because of an unforeseen life event such as illness, injury, loss of employment, the end of a relationship, relationship or other reasonable cause, but you expect that a change to the Agreement would enable you to meet your obligations, you may be able apply in writing to apply to FSL for a hardship variation. To apply for a hardship variation, you need to: make an application have the Agreement changed in writing; and explain your reason(s) for the application; and request one of the followingfollowing ways: an extension • extending the loan term so that the amount of each repayment is reduced; or • postponing repayments for a specified period; or • extending both the term of the contract (which Agreement and postponing repayments for a specified time. We may, but are not obliged to, agree to a change to the terms and conditions of this Agreement. You will reduce be required to explain what changes to this Agreement will help you meet your obligations. For example, extending the term of this Agreement and reducing the amount of each payment due under minimum payment, or postponing the contract);a postponement agreed dates for the minimum payments for a period of the dates time. There are limits on which payments are due under the contract (specify the period for which when and how often you want this to apply); or both of the above; and give the application to FSLcan make a hardship application. Do this You should contact us as soon as possible. If , if you leave it for too long, FSL we may not have be able to help or consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you resolve any disagreements you have with FSL. Contact details of the dispute resolution scheme: Phone: 0000 000 000 Website: xxx.xxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTER: Creditor registration name: Financial Synergy Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61.

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe Creditor. Time limits for cancellation: • cancellation If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. • If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, you must give FSL the Creditor written notice that you intend to cancel the contract by giving by: • Giving notice to FSL the Creditor or an employee or agent of FSLthe Creditor; or posting • Posting the notice to FSL the Creditor or an agent of FSLthe Creditor; or emailing • Emailing the notice to FSL’s the Creditor's email address (if specified on the front of this disclosure statement); or sending • Sending the notice to FSL’s the Creditor's fax address number (if specified on the front of this disclosure statement). You must also, within the same time, return to FSL the Creditor any advance and any other property received by you under the contract. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL the Creditor can charge you the amount of any reasonable expenses it has the Creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If etc.). If you cancel the contract, FSL the Creditor can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FSL the Creditor for a hardship variation. To apply for a hardship variation, you need to: make • Make an application in writing; and explain • Explain your reason(s) for the application; and request • Request one of the following: an o An extension of the term of the contract (which will reduce the amount of each payment due under the contract);a contract); or o A postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or both o Both of the above; and give • Give the application to FSLthe Creditor. Do this as soon as possible. If you leave it for too long, FSL the Creditor may not have to consider your application. Name of Dispute Resolution Scheme: Financial Dispute Resolution DISPUTE RESOLUTION It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with FSLthe Creditor. Contact details of the dispute resolution scheme: Name: Financial Dispute Resolution Service Phone: 0000 000 000 (0508) 337 337 Email: xxxxxxxxx@xxxx.xxx.xx Website: xxx.xxx.xxx.xx xxx.xxxx.xxx.xx Business Address: Level Xxxxx 0, 000 Xxxxxxxxxxxx Xxxxxx, Xxxxxxx Xxxx Xxxxxxxxxx Central Wellington 6011. 6011 REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERREGISTER Financial Service Provider Register details: Creditor registration nameCredit Registration Name: Financial Synergy Limited. Direct Cash Orders Limited trading as DCO FINANCE Registration Number: FSP25762 Financial Synergy LimitedFSP3841 MONETARY DECLARATION This declaration sets out how funds will be transferred to you, PO Box 106 935how any subsequent withdrawals can be arranged and what you have requested to be recorded as a payment arrangement for this loan agreement. Loan Agreement number xxxxxxxxxx Nominated bank account This is the nominated bank account for the initial loan payment direct transfer, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Useall ongoing withdrawals and which payments to be made from: S45C0.00.6.61xxxxxxxxxx xxxxxxxxxx • Once the initial loan payment transfer or withdrawal has been made by DCO FINANCE, the funds are not able to be recalled. Payments (if any) to other parties (Loan Payment – Other Party) will be direct transferred to their respective bank accounts. Initial loan payment transfer: Once the documents have been signed and finalised, the loan payment amount will be electronically transferred to the above bank account. If your bank account is held with one of the major trading banks, (ANZ, ASB, BNZ, Kiwibank, Westpac) this will be available within four hours under normal circumstances. If your bank account is held with a different bank or a credit union or a co-operative, you may not be able to draw on these funds until the next day. Payment arrangement set: In order to ensure the minimum monthly payment commitment is met, you have requested the following payment arrangement for this loan agreement: Amount: xxxxxxxxxx Via: xxxxxxxxxx Starting On: xxxxxxxxxx Frequency: xxxxxxxxxx Conditions relating to the direct debit authority / payment arrangements: • Charges relating to a direct debit authority being loaded and ongoing amendment fees will apply as outlined in the disclosure document. • Any amendments to a direct debit authority will need to be requested in writing with a minimum of 24 hours’ notice prior to the proposed amendment and will incur a $10 amendment fee. • Should a scheduled payment fall on a public holiday or weekend, the scheduled payment will be direct debited from your bank account on the next working day. • It is your responsibility to ensure the required funds are available in the bank account for each scheduled payment and that should a payment dishonor (for whatever reason), you may be charged a payment reversal fee along with being issued a charged default or reminder notice. • If DCO FINANCE obtains evidence of suspected financial hardship, the amount being direct debited each installment may be reduced or suspended temporarily while contact is being sought to investigate whether a hardship restructure is appropriate. • Correspondence notice of adjustments due to public holidays, requested alterations will be done via SMS to the nominated mobile number held on file. DIRECT DEBIT AUTHORITY DIRECT CASH ORDERS LIMITED Authority to accept Direct Debits BANK INSTRUCTIONS NAME: (of Bank Account) xxxxxxxxxx AUTHORITY TO ACCEPT DIRECT DEBITS (Not to operate as an assignment or agreement) BANK ACCOUNT FROM WHICH PAYMENTS TO BE MADE: xxxxxxxxxx AUTHORISATION CODE 0000000 TO THE BANK MANAGER xxxxxxxxxx I / We authorise you until further notice, to debit my/our account with all amounts which DIRECT CASH ORDERS LIMITED (hereinafter referred to as the Initiator) the registered Initiator of the above Authorisation Code, may initiate by Direct Debit. I / We acknowledge and accept that the bank accepts this authority only upon the conditions listed below. INFORMATION TO APPEAR ON MY / OUR BANK STATEMENT: PAYER PARTICULARS DCO FINANCE PAYER CODE xxxxxxxxxx PAYER REFERENCE YOUR SIGNATURE(S) DATE:

Right to Cancel. You are entitled to cancel the consumer credit contract by giving notice to FSLthe lender. Time limits for cancellation: • cancellation If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 5 working days after you receive the documents. • If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 7 working days after the electronic communication is sent. If the documents are mailed to you, you must give the notice within 9 working days after they were posted. Saturdays, Sundays Sundays, and national public holidays are not counted as working days. How to cancel: cancel To cancel, you must give FSL the lender written notice that you intend to cancel the contract by by: • giving notice to FSL the lender or an employee or agent of FSLthe lender; or • posting the notice to FSL the lender or an agent of FSLthe lender; or • emailing the notice to FSLthe lender’s email address (if specified on the front of this disclosure statement); or • sending the notice to FSLthe lender’s fax address number (if specified on the front of this disclosure statement). You must also, also pay the cash price of the property or services (or the balance of the cash price after deducting any amount you have already paid) within 15 working days of the same time, return to FSL any advance and any other property received by day you under give the contractcancellation notice. What you may have to pay if you to cancel: cancel If you cancel the contract, FSL the lender can charge you the amount of any reasonable expenses it has the lender had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc).If etc). If you cancel the contract, FSL the lender can also charge you interest for the period from the day you received the advance until the day you repay the advance. WHAT TO DO IF YOU SUFFER UNFORSEEN HARDSHIP: UNFORESEEN HARDSHIP If you are unable reasonably to keep up with your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to FSL the lender for a hardship variation. To apply for a hardship variation, you need to: (a) make an application in writing; and (b) explain your reason(s) for the application; and (c) request one of the following: • an extension of the term of the contract (which will reduce the amount of each payment due under the contract);a contract); or • a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or • both of the above; and (d) give the application to FSLthe lender. Do this as soon as possible. If you leave it for too long, FSL the lender may not have to consider your application. DISPUTE RESOLUTION Name of Dispute Resolution Schemedispute resolution scheme: Financial Dispute Resolution Services Complaints Ltd It is free to make a complaint to this independent dispute resolution scheme. This scheme can help you to resolve any disagreements you have with FSLthe lender. Contact details of the dispute resolution scheme: Phone: 0000 000 000 (0800) 347 257 Website: xxx.xxx.xxx.xx xxx.xxxx.xxx.xx Business Address: Level 0, 000 Xxxxxxxxxxxx Xxxxxx, Wellington 6011. P O Box 0000 Xxxxxxx Xxxx Xxxxxxxxxx 0000 REGISTRATION ON FINANCIAL SERVICE PROVIDER REGISTERREGISTER Lender Registration Name: Creditor registration name: Financial Synergy Economy Finance Limited. Registration Number: FSP25762 Financial Synergy Limited, PO Box 106 935, Auckland 1143 Email xxxx@xxxxxxxxxxxxxxxx.xx.xx Freephone 0800 379 637 For Office Use: S45C0.00.6.61