From 21 December 2001, most private sector organisations in Australia must, by law, comply with the National Privacy Principles ("NPPs"). We are bound by and will comply with the NPPs from that date.

We only collect personal information that is necessary for us to perform our functions and activities which consist of the origination and administration of loans and related activities. The kinds of personal information we collect and hold will depend upon your dealings with us and the circumstances in which it was collected, but may include:

• information you provide to us when you apply for a loan or when you offer to guarantee a loan. This information will include your name, address and contact details, and, if applicable, identification information relevant to applications requiring compliance with the Financial Transactions Reports Act.
• financial information about you such as your financial position and details of your salary or wage, and information obtained from credit checks carried out during the loan approval process (but only if you have authorised such checks to be carried out).
• information about the progress of any loan provided to you, or which you have guaranteed, including your communications with us.

We respect your privacy. Any personal information which we collect about you will be used by us to assess your application for a loan or offer to provide a guarantee, and to facilitate provision and administration of loans and related activities.
In order to do this, we may disclose your personal information to:

• professional advisers such as solicitors, accountants and valuers;
• mortgage insurers;
• underwriters;
• government agencies such as those which administer land titles and revenue or (where applicable) foreign investments;
• credit reporting agencies and mercantile agents;
• external auditors; and
• other organisations which participate in funding, providing and administering your loan or the loan you have guaranteed, such as the trustee of the fund from which the loan is sourced.
• We may also use your personal information to provide you with information about other products and services offered or distributed by us. To do that we may disclose your information to our service providers (see below).

We also disclose personal information to organisations to whom we outsource functions, such as mailing and printing houses, IT providers or a mortgage servicer which organisations assist us to service and administer your loan or the loan you have guaranteed, or provide you with information about products and services offered or distributed by us.

In most cases, you can gain access to personal information that we hold about you. We will handle requests for access to your personal information in accordance with the NPPs. Requests for access should be directed to the Privacy Officer, whose contact details are set out below.

If you would like more information about the way we manage our personal information or are concerned that we may have breached your privacy and wish to make a complaint, please contact us by calling us on (02) 9907 7858, or by writing to us at the postal or email addresses set out below.

6/40 Lauderdale Avenue, FAIRLIGHT NSW 2094

info@smservices.com.au

From time to time it may be necessary for us to review and revise our privacy policy. We reserve the right to change our privacy policy at any time. We may notify you of any change to our privacy policy by any means we choose including by email, by other electronic communication, by sending you a revised copy or by otherwise informing you that a revised copy of our privacy policy is available on request.

Specialty Mortgage Services recognises that your privacy is very important to you. Providing your personal information is an act of trust that we take very seriously. Specialty Mortgage Services will not sell, trade, give or rent any information obtained from you to a third party.

Specialty Mortgage Services collects the personal data that you volunteer when registering on our website, or through other forms, or by email. This information will only be collected by lawful and fair means. In order to register on the Specialty Mortgage Services website we require some basic information about you. We also allow you to provide additional non-required information on registration and at other times. Only information marked, as 'required' during registration is needed to use services on the Website. This information is used for identification purposes and to contact you when necessary.

smservices.com.au requires you to provide certain information about yourself in order to provide services to you. We will not rent, sell or exchange information about you to third parties, except where we are legally obliged to disclose such information.

Specialty Mortgage Services will be honest and open with you about the type of personal information that is collected about you and the actual use of any such information. By giving out your personal information, or filling in an entry or application form, you have consented to the use of this information in future.