Credit Guide

This Credit Guide is provided to you by Clunes Rural Pty Ltd (ABN {TBC}) (Clunes) in accordance with the National Consumer Credit Protection Act 2009 (Cth).

Who we are

Nicholas Clunes is an Australian Credit Representative ({ACR TBC}) authorised under Australian Credit Licence {ACL TBC} held by {Aggregator TBC}.

Clunes Rural Pty Ltd Level 25, 100 Mount Street, North Sydney NSW 2060 0480 521 605 nick@clunesrural.com.au

What we do

Clunes provides credit assistance for rural lending and rural asset finance products. We assess your credit requirements, identify suitable lenders and products, and arrange finance on your behalf.

Clunes is a credit representative. We do not provide financial advice, tax advice, or accounting advice.

Our lender panel

Clunes accredits with a panel of bank and non-bank lenders. The full panel is available on request. Our Tier-1 launch panel includes:

• NAB Agribusiness
• Westpac Agribusiness
• Commonwealth Bank
• Bendigo Bank Agribusiness
• Judo Bank
• StockCo
• Merricks Capital
• Angle Finance
• Macquarie Asset Finance
• Regional Investment Corporation (referral pathway)

How we are paid

Clunes is paid a commission by the lender when a loan is settled. This is typically calculated as a percentage of the loan amount. The specific commission amount for your transaction will be disclosed in your Credit Proposal Disclosure Document before you proceed.

Clunes does not receive commissions that vary based on the interest rate charged to you.

Conflicts of interest

Clunes has a duty to act in your interests. We manage potential conflicts by disclosing all remuneration and by recommending products on their suitability to your needs rather than on commission rates.

Your rights

You have the right to:

• Receive this Credit Guide before we provide credit assistance
• Receive a Credit Proposal Disclosure Document before a loan application is lodged
• Request a copy of your credit file
• Make a complaint (see below)

Complaints

If you have a complaint, contact us in the first instance:

Nick Clunes nick@clunesrural.com.au 0480 521 605

We will acknowledge your complaint within 2 business days and respond within 30 calendar days.

If you are not satisfied with our response, you may contact the Australian Financial Complaints Authority (AFCA):

AFCA 1800 931 678 info@afca.org.au afca.org.au GPO Box 3, Melbourne VIC 3001

AFCA provides free, independent dispute resolution for financial complaints.

Memberships

• Finance Brokers Association of Australia (FBAA)
• Commercial & Asset Finance Brokers Association of Australia (CAFBA)
• Australian Financial Complaints Authority (AFCA) — member {AFCA TBC}