assessment for contracts entered into before January 2011, or once 7 years since the credit day has elapsed.

How you can make a complaint Hume Limited ABN 85 051 868 556 We have a dispute resolution system to deal with any AFSL No. 244248 Hume Bank Limited ABN 85 051 868 556 complaint you may have. AFSL & Australian Credit To make a complaint: Licence No. 244248 > speak to any of our branch staff; 10 May 2021 > call 1300 004 863; General Enquiries > complete the Customer Feedback form located on our 1300 004 863 website www.humebank.com.au; E: [email protected] > send a letter or any other correspondence to Hume Bank W: www.humebank.com.au Limited, Disputes Resolution Officer, 492 Olive St, Albury NSW 2640. We will try to resolve your complaint as quickly as possible, but in any event within 21 days. Where you are not satisfied with the outcome of your Branch Locations complaint, you may be able to pursue the matter further by referring it free of charge to the independent Australian Albury Wagga Wagga Financial Complaints Authority (AFCA), by any of the following methods: Head Office Baylis Street 492 Olive Street, 115 Baylis Street, Telephone: 1800 931 678 (free call within ) Albury NSW 2640 Wagga Wagga NSW 2650

Mail: Australian Financial Complaints Authority Myer Centrepoint GPO Box 3 Shop 13A, David & Swift Streets, Regional Melbourne VIC 3001 Albury NSW 2640 Corowa Website: www.afca.org.au Lavington 79 Sanger Street, Email: [email protected] Shop 1/346 Griffith Road, Corowa NSW 2646 Lavington NSW 2641 If your complaint relates to an insurance product, we will Culcairn promptly refer it to the insurer. The insurer will attempt to Thurgoona Plaza Shop 2, 50 Balfour Street, Financial Services resolve the matter in accordance with their internal dispute Shop 11/10 Shuter Avenue, Culcairn NSW 2660 Thurgoona NSW 2640 resolution procedures. To obtain a copy of the insurer’s Yackandandah procedures please contact us. Where you are not satisfied 35 High Street, and Credit Guide with the outcome of an insurance complaint, you may be Wodonga Yackandandah VIC 3749 able to pursue the matter further by referring it free of charge to AFCA. Refer to contact details above. Wodonga Place Howlong Shop 7-8, 107-117 High Street & Shop 1/ 45 Hawkins Street This guide tells you about: Elgin Boulevard, Howlong NSW 2643 Wodonga VIC 3690 > who we are and how you can contact us Jindera Whitebox Rise Cnr Urana Road and Creek > what services we are licensed to provide Shop 12, Cnr Victoria Cross Street, Parade & Kelliher Avenue Jindera NSW 2642 > relationships we have with other product Wodonga VIC 3690 Rutherglen issuers 128-130 Main Street, Wangaratta Rutherglen VIC 3685 > how we are paid for providing those services 76 Reid Street, Wangaratta VIC 3677 > how you can make a complaint This Financial Services and Credit Guide (FSCG) is designed They may also receive benefits such as tickets to events and Credit Guide other similar benefits either from us or from product providers to assist you in deciding whether to use any of the services We have an Australian Credit Licence which authorises whose products we sell. offered in this FSCG. us to be a credit provider in relation to consumer lending We may earn commission and make payments as follows: products, regulated by the National Credit Code. We are: Our consumer lending products include: Hume Bank Limited Commission and Payments > ABN: 85 051 868 556 Home loans Allianz Australia > Personal loans AFSL & Australian Credit Licence No. 244248 to 20% of the base Insurance Ltd and General premium you pay when > Overdrafts Strata Community Insurance you first acquire a policy or You can contact us by: Insurance Agencies > Credit cards renew that policy > visiting your local branch Pty Ltd (“SCI”) > Residential property investment loans > calling us on 1300 004 863 AWP Australia Pty Travel > online at www.humebank.com.au Ltd, t/a Allianz Global 30% of the base premium Our obligations Insurance > in writing addressed to us at Assistance We must not enter into a credit contract, a credit card contract or 492 Olive Street Albury NSW 2640 Allianz Australia increase a credit limit, if it is unsuitable for you. Consumer Insurance Ltd and up to 20% of the base We will comply with the Customer Owned Banking Code of Credit Allianz Australia Life premium you pay What does “unsuitable” mean? Practice in our dealings with you. Insurance Insurance Ltd A proposed credit contract, credit card contract or increase Financial Services Guide Allianz Australia Life up to 20% of the annual in a credit limit will be unsuitable if, at the time it is entered Life Insurance into, it is likely that: We are licensed under the Corporations Act to deal and advise Insurance Ltd premium you pay > the contract will not meet your requirements or objectives; in the following financial products (including on behalf of others): Upon signing an Authority or > basic deposit products; to Proceed with Bridges Financial Bridges Financial Financial Services Pty Ltd: > > you will be unable to comply with your financial obligations non-basic deposit products; Planning $1,500 for comprehensive Services Pty Ltd under the contract, or could only comply with substantial > non-cash payment facilities; advice; or $300 for single hardship (such as selling your principal place of residence > general insurance; and strategy advice. or being unable to repay an amount equal to the credit > life products – limited to life risk insurance products (consumer BPAY BPAY Pty Ltd 46¢ for each transaction limit of your credit card within a period determined by the credit insurance). Allianz Australia Ltd, Regulator, unless the contrary is proven). up to 20% of the base Full details of all these products are contained in the Product Global Transport Commercial premium you pay when Disclosure Statements which we may issue with this FSCG & Automotive Insurance you first acquire a policy or Your right to a copy of the suitability assessment Insurance Solutions or may be obtained at any branch. You should consider the renew a policy Pty Ltd If your application for credit or an increase in your credit Product Disclosure Statement before making a decision to limit has been approved, you can contact us using the 20% of the administration acquire or keep any of the above products. Commercial HIB Insurance fee and 20% of the contact details set out in this Guide and ask for a written Insurance Brokers Pty Ltd Our policy is only to provide general advice in relation to these commission earnt by HIB copy of the suitability assessment. We will provide this to products. you free of charge within the time frames set out below: 1% of the total AUD order MasterCard Prepaid amount and between 10% Cash Passport What relationships do we have with other product Management and 40% of the foreign Your request We will give you Cards issuers? Services Pty Ltd exchange margin on funds is made: your assessment: In relation to basic deposit products and non-cash payment loaded via Hume branches As soon as possible after we receive your Before the Credit Day* request, but before entering the credit products, we are generally acting on our own behalf. When we 30% of the sum of the fee Telegraphic Western Union contract or increasing the credit limit we charge you and the arrange to issue insurance products, we do so on behalf of the Transfers & Business Solutions foreign exchange margin Up to 2 years after the Within 7 business days after we receive insurers who are the product issuers. Details of who the relevant Drafts (Australia) on the transaction Credit Day* your request product issuer is will be included in the Conditions Of Use or Product Disclosure Statement for that insurance product. Community Between 2 and 7 years Within 21 business days after we Rewards Hume Bank Limited Ranges from $50 to $350 after the Credit Day* receive your request Program How we are paid for providing those services * The Credit Day is the date the credit contract is entered Our staff are remunerated by salary and do not receive into or the credit limit is increased. commissions. They may be eligible for an annual bonus Professional indemnity insurance payment which is based on a number of factors which include: We do not have to provide a suitability assessment to you if We are regulated by the Australian Prudential Regulation Authority your application is declined. > standards achieved in customer service; and and so we are not required by the Australian Securities and > performance against targets. Investments Commission to have professional indemnity insurance. We are not obliged to provide you with a copy of a suitability