GEM Finance Terms & Conditions

Gem Logo BLUE 300Latitude Logo

ACKNOWLEDGEMENT: To the creditor, Latitude Financial Services Limited, P O Box 4058, Shortland
Street, Auckland 1140 ("Latitude").

Important Privacy Notice

I/We understand there is no obligation to provide personal information, including driver licence
details, but if I/we fail to supply any information requested, or do not agree to any of the disclosures detailed in this acknowledgement, my/our application may not be accepted. I/We certify that all information contained in this application is true and correct, and where applicable, I have the permission of my spouse/partner to disclose his/her personal information.

I/We authorise Latitude to make all necessary enquiries and receive information concerning my/our credit rating, any outstanding fines, residence, employment and my/our identity from other credit providers, credit reporters, identity verification service entities, government agencies, employer,accountant, or other named persons, and where applicable, to obtain such information relating to my/our driver licence(s) from NZ Transport Agency as is authorise by the Land Transport Act 1998, for the purpose of considering this application. I/we agree that this authority may be provided to such parties for these purposes. I/We agree that my personal information may be shared with NZ Post, or any other entity employed by Latitude, for the purpose of verifying my/our identity. Throughout the loan application process, I/we also agree that my personal information may be shared with One Partner Limited for the purpose of completing my/our loan application. I/we consent to One Partner Limited emailing us any documents you may provide to them, which may contain personal information.

I/We understand that Latitude will give my/our personal information to credit reporters and that
those credit reporters may hold the information on their systems and disclose it to authorised users of the credit reporters' services. I/we also understand that information about my creditworthiness and credit history may be disclosed to any credit provider named in a credit report relating to me/us.

I/We acknowledge that if Latitude provides finance it may collect and monitor such personal
information about me/us as is necessary for the administration and protection of such credit
(including without limitation utilising any credit reporters monitoring services to receive updates if
the information held about me/us changes), and may disclose repayment history information,
details relating to my/our account, and any payment default information to credit reporters which
may hold the information on their systems and disclose


it to authorised uses of the credit reporters services. Latitude may also (if necessary) disclose my/our personal information to fraud reporting agencies and to any person Latitude may appoint to assist in enforcement of any agreement between Latitude and me/us.

I/We agree that where I/we have requested insurance cover through Latitude, Latitude may disclose such personal information to Hallmark Life Insurance Company Limited and Hallmark General Insurance Company Limited or any other insurer as is necessary to enable those companies to consider that request.

I/We authorise Latitude and all of its related entities to share and use all personal information held
about me/us now or in the future to offer me/us now or in the future to offer me/us further finance,
to consider any future application of finance from me/us, and to offer or provide me/us with details
of other products and services from time to time. The personal information will be held at the offices of Latitude. Where the personal information may readily be retrieved, I/we shall have access to it and the right to request correction.

I/We agree that Latitude may communicate with me/us via mail, email or telephone (including
SMS/MMS) for all purposes but understand that there may be security risks relating to the electronic transmission of information, and that Latitude cannot guarantee confidentiality. If my/our
application is approved, I/we consent to all disclosure documents required for the purpose of the
Credit Contracts and Consumer Finance Act 2003 being sent either by mail or in electronic form.

Gem Personal Loans are provided by Latitude Financial Services Limited (Latitude).

Financial Advice – Prescribed Statement Disclosure

You are protected by responsible lending laws. Because of these protections, the recommendations given to you by Latitude about personal loans, credit cards and any credit related insurance products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.

Commission disclosure

I/we understand One Partner Limited will receive a commission from Latitude Financial Services
Limited for the referral and settlement of my/our personal loan application.

By signing below the undersigned acknowledges the above

Name:                                                                      Date:


AUTHORISATION: To the creditor, Latitude Financial Services Limited, P O Box 4058, Shortland
Street, Auckland 1140 ("Latitude").


Broker Authorisation

I/we understand that my/our application for credit from Latitude may be made in writing on
Latitude’s forms, or electronically via Latitude’s online application system. I/we confirm that I/we
wish to make an application electronically.

I/we have authorised the Broker to complete and submit my/our application electronically, on
my/our behalf and in my/our name, and to provide any additional information or documentation
requested by Latitude, as if I/we were making the application and providing such information and
documentation myself/ourselves.

I /we hereby authorise Latitude to accept any application made in my/our name and to rely on such
application, with no need for further enquiry as to whether the application was made by me/us or
the Broker. I/we authorise Latitude to communicate with the Broker directly about my/our
application and to rely upon the correctness of the content of any such application or information
provided on my/our behalf by the Broker.

Name:                                                                  Date: