Home Loan Application. - ME Bank

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Home loan application.Applying for your home loan – getting started.Step 1 Complete and sign thisapplication form.Step 2 Attach all supportingdocuments. See the sectionon this page for what you’llneed to provide.Step 3 Return your application to ME(see page 16).Need help?Looking for the full banking service?You can also use this form to apply for: Contact us on 13 15 63 Mondayto Friday 8am – 8pm or Saturday Frank credit card9am – 5pm (AEST/AEDT) Everyday Transaction Account with Contact your local Mobilea Debit Mastercard Banking Manager Member Package (saves on home loanfees and offers a special variable rate)To apply you must:Be at least 18 years of ageBe applying in personal name(s) – not as a company e an Australian citizen or permanent resident ofBAustralia ORBe a New Zealand citizen residing in AustraliaSupporting documents.Income details.Salaried employeesP AYG summary, tax return,notice of assessment. Most recentyear required.1 payslip. Must be less than4 weeks old (or less than 6 weeksold if you’re paid monthly).An interim bank or transactionstatement no older than 7 dayswhich includes the following: Your name or account number;AND Bank statement showinga minimum of one salary/income credit.A copy of your employmentcontract if you’re: a contracted employee, or; not a contracted employeeand your current length ofemployment is between threeto six months.Note that your employment contractmust include all components ofincome; including remunerationamount, and; payment frequency andproposed hours of work.O ther income. Provide bankor other statements. e.g. salarysacrifice, Centrelink payments.Self-employedInvestment income ertified annual financialCRental income.statements. The last 2 years of A current tenancy agreementstatements are required if incomeshowing commencement dateobtained from your companyand termination date oror trust. Rental statement issued by the Complete business and personalmanaging agent or propertytax returns. The last 2 years ofmanager no older than 30 days.returns are required. 2 years tax returns. An interim bank or transactionAll other investment income.statement no older than 30 days at Government income.loan submission which includes the A Centrelink statement orfollowing:equivalent confirming the benefit Your name or youramount – must be less thanbusiness’ name6 weeks old or A minimum of 90 days Your most recent bank statementstransaction historyshowing regular payments for the Shows credits or depositslast 3 monthsevidencing consistent tradingSuperannuation income.income A superannuation statement or Tax assessment notice. The mostequivalent confirming the incomerecent notice is required for theamount – must be less thanindividual and all entities.6 weeks old or Other income. Provide bank Your most recent bank statementsor other statements. e.g. salaryshowing regular payments for thesacrifice, Centrelink payments.last 3 months Other income. Provide bankor other statements. e.g. salarysacrifice, Centrelink payments.Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 1

Supporting documents (continued).Loan purpose.Property purchaseRefinancing/Consolidating debtConstruction vidence of deposit. 90% LVREevidence as appropriate. 90% LVRstatements for the last 3 monthsare required or other suitableevidence. Contract of sale. Complete signed,dated and legible copy of contractof sale including all appendices/annexures (excl. NSW & ACT). Vendors statement. Provide a copyof the Section 32 (VIC customers only). vidence of deposit. 90% LVREevidence as appropriate. 90% LVRstatements for the last 3 monthsare required or other suitableevidence. Building contracts. Providea signed copy of the buildingcontract. If owner builder fullcosting and specifications arerequired. oan statements. If refinancingLnon-ME home loans or personalloans, provide last 6 monthsconsecutive statements for anyloan where a COVID-19 repaymentpause/support has been or is inplace, an additional 6 consecutivemonths of bank statementsimmediately preceding thecommencement of the COVID-19support period must be provided. Credit card statements. Ifrefinancing non-ME creditcards, provide last 3 consecutivestatements. For Refinance involving maritalseparation. A copy of a bindingfinancial agreement signed byboth parties accompanied by astatement of independent legaladvice (signed by respective lawyerfor each party); or Court order.Personal details – applicant 1.Personal details – applicant 2.Are you an existing ME customer?NoYesAccount numberApplying asBorrowerGuarantorIf you are on/to be on the certificate of title and have notapplied as a borrower, you must apply as a guarantor.Are you an existing ME customer?NoYesAccount numberTitle (Mr/Mrs/Miss/Ms/other) Given name(s)Family nameDate of birthD D M MY Y Y YEmail addressTitle (Mr/Mrs/Miss/Ms/other) Given name(s)Family nameDate of birthD D M MY Y Y YEmail addressYour relationship to applicant 1Loan product – select the type of loan. asic Home Loan – Get back to basics with our no-frills, variable rate home loan – low interest rate, fees and stress.B Flexible Home Loan – Customise to your heart’s content. With options to fix, split or offset, you can create a loanto fit your lifestyle.Loan purpose.Primary purpose.Owner occupied InvestmentME USE ONLY: PROMO CODEME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 2

Purpose (select all that apply).Property purchase Construction — registered builderRefinance Construction — owner builderPlease specify if there are any additional details of loan purpose:Are you a first home buyer using the First Home Owners Grant?Yes Cash out/Equity releaseNoConstruction (only complete for construction).If you’ve selected ‘construction’, will you be:Buying land and starting constructionConstructing on your own landLoan purpose (continued).Cash out/equity release (complete where there is a cash out or equity release component for this loan).NoIs there a cash out component for this loan amount?YesIf yes, please complete additional details below.Cash out amount Cash out reasonRenovationsVehicle purchaseBoat/Caravan/TrailerFurniture/Appliance purchaseTravelInvestmentOther, please specifyPlease comment on why you want to apply for a cash out/equity release.Loan amount and structure.Borrowing amount VariableFixed foryears (between 1-7 years)The fixed option is only available on a Flexible Home Loan.*Loan termyears (between 5-30 years)If you are purchasing, will you be contributing any funds?If yes, please specify the amount First Home Owners Grantand type of contribution.Sale proceedsCash/SavingsGiftOther, please specifySplit loan option – for flexible home loans only.Facility 1Facility 2 VariableFixed forVariableyears (between 1-7 years)Fixed foryears (between 1-7 years)* Please think carefully whether fixing the interest rate on your loan is suitable for your financial circumstances and if youare unsure, we suggest you obtain independent financial advice. Further information regarding choosing to fix your loanwill be sent to you.Repayment details.Principal and interestInterest only foryears (between 1-5 years)Payment frequency.WeeklyFortnightlyMonthlyPayment method.Direct debitSalary credit/Direct creditME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 3

Offsetting your loan with an Everyday Transaction Account – for Flexible Home Loans only.Complete this section if you would like to link an Everyday Transaction Account to your loan.Note: To link an existing/new Everyday Transaction Account (ETA), your ETA must be in the same name(s) as the loan. I/We would like to link my existing Everyday Transaction Account as my/our offset account.Insert your current Everyday Transaction Account numberI /We would like to open an Everyday Transaction Account as my/our offset account. Your account will be in the samename(s) as the loan.If you’re applying for a new Everyday Transaction Account, please choose your card colour:Avocado Green.Pineapple Yellow.Pink.Lobster Red.Shark Blue-Grey.Applicant 1Applicant 2If you have chosen a split loan, please indicate which loan facility you would like to offset.The offset account must be linked to a variable loan facility.Facility 1Facility 2Financial claims scheme.For peace of mind, it’s good to know that the Financial Claims Scheme (Scheme) covers your deposit account. Andit might entitle you to payments under the Scheme, which are subject to a limit for each depositor. The AustralianGovenment’s Financial Claims Scheme website fcs.gov.au and the APRA hotline on 1300 55 88 49 are the go-to places formore information about the scheme.Customer relations.At ME, we are committed to building a reputation for excellence in customer service that includes delivering on ourpromises. If for some reason our service does not meet your expectations, please contact us on 13 15 63 to find out aboutour dispute resolution procedures. ME is a member of the Australian Financial Complaints Authority (AFCA).Member Package application – for flexible home loans only.Complete this section if you would like to purchase a Member Package.If you take out a Member Package, you will be eligible to receive: A special variable interest rate on all eligible ME home loans. An exemption from paying valuation fees, top-up fees, interest rate variation fees or fix/split loan variation fees thatwould be payable on any eligible ME home loans you have with us.For more details about Member Package, refer to mebank.com.auPlease select one applicant to be the Member Package holderApplicant 1 ORApplicant 2YesNoDo you currently have a Member Package?If you already have a Member Package, this loan will automatically receive the same benefits.Rate lock request – for fixed rate flexible home loans only.Complete this section if you would like to purchase rate lock on your fixed facility.If you plan to select a fixed interest rate period for your loan, rate lock means that you can make a payment of 500 nowand make sure that the fixed rate we currently offer for that fixed rate period is held for you for a 90 day period.Yes, I/we would like rate lock on my fixed loan facilityFacility 1Facility 2 (select only one)Please complete the direct debit request below to authorise the payment of the rate lock fee and review the importantinformation regarding your rate lock agreement on page 20.ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 4

Rate lock – direct debit request.Nominated account details (funds will be withdrawn from this account).Name of financial institutionBSB numberName of account holder(s) (e.g. ‘John Smith’ or if the account is in joint names ‘John Smith and Anne Smith’)Account number These details should be as they appear on your nominated account statement.Your nominated account must be held in a personal capacity in your name.If your nominated account is a joint account please ensure the account authority is either party to operate.Frank credit card.Complete this section if you would like to apply for a frank credit card. You can only use this application form if you are also applying for a home loan.There can only be one primary cardholder, who will be responsible for all transactions made on the Frank credit card account.The primary cardholder must earn at least 25,000 p.a. (gross). This form provides for one Frank credit card account, with one home loan applicant as the primary cardholder andthe option for the other home loan applicant to be the additional cardholder. If you wish to set up more than oneFrank credit card account visit mebank.com.au or call us on 13 15 63 for an additional form. If you would like to nominate an additional cardholder who is not an applicant for this home loan, then please askus for a ME too – Credit Card Additional Cardholder Request form.The primary cardholder is:Applicant 1Applicant 2 (select only one)Your Frank credit limit.Please enter your maximum requested credit limit (enter in 500 increments)(minimum credit limit is 1000)OR tick here if you’d like ME to set your credit limitPlease note that your maximum credit limit will be determined after processing your application and in some casesmay be lower than your request.Additional cardholder details (if applicable).The additional cardholder is:Applicant 1Applicant 2 (select only one)Customer information – applicant 1.MaleSingleFemaleMarriedDefactoCustomer information – applicant 2.DivorcedWidowedAges of dependantsNumber of dependantsResidential addressStatePostal address (if different to al address (if different to above)PostcodeStateResidential status:WidowedAges of dependantsNumber of dependantsResidential addressPostcodeDivorcedPostcodePostcodeResidential status:Own homeMortgagedRentingBoardingLive with parentsOther – please specifyMortgagedRentingBoardingLive with parentsOther – please specifyWhen did you move to this address? D D M MY YPrevious residential address (if at current address less than 12 months)StatePostcodeWhen did you move to this address? D D M MAddress after settlement (if different to above)StateOwn homePostcodeWhen did you move to this address? D D M MY YPrevious residential address (if at current address less than 12 months)StateY YPostcodeWhen did you move to this address? D D M MY YAddress after settlement (if different to above)StateME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. Postcode5

Contact details – applicant 1.Mobile phoneContact details – applicant 2.Preferred daytime contact Mobile phoneMobileWork phone)(At least one number must be provided.MobileWork phone)(WorkHome phone)(Preferred daytime contactWorkHome phone)(HomeAt least one number must be provided.HomeSuper fund or union membership – applicant 1.Super fund or union membership – applicant 2.From time to time, we may make product offers tomembers of eligible super funds or unions.From time to time, we may make product offers tomembers of eligible super funds or unions.Super fund nameSuper fund nameMembership #Membership #Union nameUnion nameMembership #Membership #Other details – applicant 1.Other details – applicant 2.Are you an Australian citizen residing in Australia?YesIf ‘No’, are you an Australian citizen residing overseas?YesNoIf ‘No’, are you an Australian permanent residentYesor New Zealand citizen residing in Australia?No Are you an Australian citizen residing in Australia?YesIf ‘No’, are you an Australian citizen residing overseas?YesNoIf ‘No’, are you an Australian permanent residentNo or New Zealand citizen residing in Australia?YesNoNoPassport numberPassport numberCountry of passportCountry of passportDriver’s licence numberDriver’s licence numberState issuedNew customers please nominate a password. We may usethis to identify you when you call.State issuedNew customers please nominate a password. We may usethis to identify you when you call.Password (5-9 characters)Password (5-9 characters)Tax residency – applicant 1.Tax residency – applicant 2.Complete this section if you have selected to open an Everyday Transaction Account as an offset account.Are you a tax resident in any country other than Australia?Are you a tax resident in any country other than Australia?(Generally you are if you’re liable to pay tax in that country – check with your taxadviser if you’re unsure)(Generally you are if you’re liable to pay tax in that country – check with your taxadviser if you’re unsure)NoYesIf you are a tax resident in another country outside Australia,in order to open your account we require your taxpayeridentification number (TIN) for each country or a validreason for not providing this.NoYesIf you are a tax resident in another country outside Australia,in order to open your account we require your taxpayeridentification number (TIN) for each country or a validreason for not providing this.CountryTINCountryTINCountryTINCountryTIN(The TIN is a government issued number and is sometimes known as a social securityor national insurance number).(The TIN is a government issued number and is sometimes known as a social securityor national insurance number).CountryTINIf no TIN is disclosed please indicate the reason below.CountryTINIf no TIN is disclosed please indicate the reason below.Country (as above)Country (as above)This countryTIN collection notdoesn’t issue a TIN required for this countryIf you’re a tax resident in more than three countries,please attach a separate sheet to your application.This countryTIN collection notdoesn’t issue a TIN required for this countryIf you’re a tax resident in more than three countries,please attach a separate sheet to your application.ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 6

Employment details – applicant 1.Primary employment detailsFull timePart timeContractRetiredPensionHome dutiesUnemployedCommissionEmployer’s nameEmployment details – applicant 2.CasualSelf-employedStudentOtherPrimary employment detailsFull timePart timeContractRetiredPensionHome dutiesUnemployedCommissionEmployer’s nameCasualSelf-employedStudentOtherEmployer’s addressEmployer’s addressStatePostcodeDDMMYYEmployed fromCurrent munity/Personal serviceClerical/AdminMachinery operator/DriverTechnician/Trade workerStatePostcodeDDMMYYEmployed fromCurrent munity/Personal serviceClerical/AdminMachinery operator/DriverTechnician/Trade workerOtherOtherEmployment details – applicant 1 (continued).Employment details – applicant 2 (continued).Employer’s contact number (Employer’s contact number ()Please advise your employer that we will contact them to verify your income.)Please advise your employer that we will contact them to verify your income.Please include your previous employment if you have beenwith your current employer for less than 12 months.Full timePart timeCasualContractRetiredSelf-employedPensionHome dutiesStudentUnemployedCommissionOtherPlease include your previous employment if you have beenwith your current employer for less than 12 months.Full timePart timeCasualContractRetiredSelf-employedPensionHome dutiesStudentUnemployedCommissionOtherEmployer’s nameEmployer’s nameEmployer’s addressEmployer’s addressStatePostcodeDDMMYYEmployed fromto D D M M Y YPrevious munity/Personal serviceClerical/AdminMachinery operator/DriverTechnician/Trade workerStatePostcodeDDMMYYEmployed fromto D D M M Y YPrevious munity/Personal serviceClerical/AdminMachinery operator/DriverTechnician/Trade workerOtherEmployer’s contact number (Other)Employer’s contact number ()ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 7

If self-employed.If self-employed.Employed from D D M MBusiness nameEmployed from D D M MBusiness nameY YY YA.B.N.Accountant’s nameA.B.N.Accountant’s nameAccountant’s addressAccountant’s addressStatePostcodeAccountant’s contact number (mobile number not accepted))(StatePostcodeAccountant’s contact number (mobile number not accepted))(Please advise your accountant that we will contact them for confirmation of your incomePlease advise your accountant that we will contact them for confirmation of your incomeFor any additional employment details, please attach a separate sheet to your application.Income details – applicant 1.Base salary/wages (before tax)Income details – applicant 2.Frequency (W,F,M,Y) Base salary/wages (before tax)Frequency (W,F,M,Y) Salary deductionsYesNoDo you have a current HECS/HELP/SFSS debt?Frequency Pre-taxTypeAmountW,F,M,YYes NoSalary deductionsYesNoDo you have a current HECS/HELP/SFSS debt?Frequency Pre-taxTypeAmountW,F,M,YYes No Income details – applicant 1 (continued).Income details – applicant 2 (continued).Other incomee.g. overtime, commission, investment, allowances, workerscompensation, bonus, rental, child maintenance/supportpayments, carer/family payment, pension.FrequencyTypeAmountW,F,M,YOther incomee.g. overtime, commission, investment, allowances, workerscompensation, bonus, rental, child maintenance/supportpayments, carer/family payment, pension.FrequencyTypeAmountW,F,M,Y Have you ever been declared bankrupt?NoHave you ever been declared bankrupt?YesBankruptcy discharge date D D M MIf yes, please provide detailsNoY YYesBankruptcy discharge date D D M MY YIf yes, please provide detailsME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 8

Use this space to provide any extra details.Financial position.All applicants are to complete this page if you jointly share all assets and all liabilities. If not, applicant 1 should completethis page and applicant 2 needs to complete the next section. If there are more than two applicants, please complete theinformation for each additional applicant in a separate form.Both applicants orApplicant 1 onlyAssets (what you own).Real estate (please supply the address)Property used as security StatePostcode StatePostcode StatePostcodeSavings/deposit accounts – please provide the name of the financial institution Superannuation – please provide the name of superannuation fund Other assets (e.g. household contents, car etc.) ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. ValueBalanceBalanceValue9

Liabilities (what you owe).Home loans.Loan 1Name of the financial institutionAmount owing/Pay out amountBSB/Account number Current interest rate Monthly paymentRepayment typeIf not paying out an existing home loan, Principal & interestPay outPay out & closeNo please complete the below.Please advise interest only term expiry date Please advise loan term maturity dateInterest onlyLoan 2Name of the financial institutionAmount owing/Pay out amountBSB/Account number Current interest rate Monthly paymentRepayment typeIf not paying out an existing home loan, Principal & interestPay outPay out & closeNo please complete the below.Please advise interest only term expiry date Please advise loan term maturity dateInterest onlyLoan 3Name of the financial institutionAmount owing/Pay out amountBSB/Account number Current interest rate Monthly paymentRepayment typePrincipal & interestIf not paying out an existing home loan, Pay outPay out & closeNo please complete the below.Please advise interest only term expiry date Please advise loan term maturity dateInterest onlyPersonal loans.Name of the financial institutionBSB/Account numberPay outPay out & closeNoName of the financial institutionBSB/Account numberPay outPay out & closeNoMonthly paymentAmount owing/Pay out amount Monthly paymentAmount owing/Pay out amount Liabilities (what you owe) (continued).*Credit/Store cards.Name of financial institutionCredit/Storecard numberCredit limitAmount owing/Pay out amount Pay outPay out & close No*Includes cards with a zero balance and on interest free termsOther liabilities (e.g. car leases).Name of the financial institutionBSB/Account numberPay outPay out & closeNoName of the financial institutionBSB/Account numberPay outPay out & closeNoMonthly paymentAmount owing/Pay out amount Credit limit Monthly payment Amount owing/Pay out amount Credit limit Overdrafts.Name of the financial institutionPay outPay out & closeBSB/Account numberNoMonthly payment Amount owing/Pay out amount Credit limit ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 10

Financial position.Applicant 2 to complete only if you do not own all of your assets jointly and share all your liabilities with applicant 1.Assets (what you own).Real estate (please supply the address)Property used as security StatePostcode StatePostcode StatePostcodeSavings/deposit accounts – please provide the name of the financial institution Superannuation – please provide the name of superannuation fund Other assets (e.g. household contents, car etc.) ValueBalanceBalanceValueLiabilities (what you owe).Home loans.Loan 1Name of the financial institutionAmount owing/Pay out amountBSB/Account number Current interest rate Monthly paymentRepayment typeIf not paying out an existing home loan, Principal & interestPay outPay out & closeNo please complete the below.Please advise interest only term expiry date Please advise loan term maturity dateInterest onlyLoan 2Name of the financial institutionAmount owing/Pay out amountBSB/Account number Current interest rate Monthly paymentRepayment typeIf not paying out an existing home loan, Principal & interestPay outPay out & closeNo please complete the below.Please advise interest only term expiry date Please advise loan term maturity dateInterest onlyLoan 3Name of the financial institutionAmount owing/Pay out amountBSB/Account number Current interest rate Monthly paymentRepayment typePrincipal & interestIf not paying out an existing home loan, Pay outPay out & closeNo please complete the below.Please advise interest only term expiry date Please advise loan term maturity dateInterest onlyPersonal loans.Name of the financial institutionBSB/Account numberPay outPay out & closeNoName of the financial institutionBSB/Account numberPay outPay out & closeNoMonthly paymentAmount owing/Pay out amount Monthly paymentAmount owing/Pay out amount ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 11

Liabilities (what you owe) (continued).*Credit/Store cards.Name of financial institutionCredit/Storecard numberCredit limitAmount owing/Pay out amount Pay outPay out & close No*Includes cards with a zero balance and on interest free termsOther liabilities (e.g. car leases).Name of the financial institutionBSB/Account numberPay outPay out & closeNoName of the financial institutionBSB/Account numberPay outPay out & closeNoMonthly paymentAmount owing/Pay out amount Credit limit Monthly payment Amount owing/Pay out amount Credit limit Overdrafts.Name of the financial institutionPay outPay out & closeBSB/Account numberNoMonthly payment Amount owing/Pay out amount Credit limit ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. 12

Details of your living and other expenses (mandatory for all applications).Please itemise all your expenses in this section.Note: If there is more than one applicant and you jointly share all expenses, all applicants are to complete this information inthe section for applicant 1 below. If there is more than one applicant and you don’t share all expenses, please complete this information in the sectionsfor applicant 1 and applicant 2 as applicable (and in an additional form if there are more than two applicants).Both applicants ORApplicant 1 onlyPlease indicate if all expense information is forLiving expenses.Applicant 1.Applicant 2.Monthly paymentMonthly paymentGroceries (e.g. food and groceries including toiletries and household products) Clothing & Personal Care (e.g. clothing, footwear, grooming and otherpersonal care expenses) Telephone, Internet & Pay TV (e.g. mobile and home telephone, internet,TV and media subscriptions incl. Netflix, Spotify etc) Transport (e.g. public transport, fuel, registration, maintenance, license,tolls, parking, excl. vehicle insurance) Recreation & Entertainment (e.g. holidays, dining out, membership andsubscription fees, pet care, gambling and general recreation expenses) Medical & Health (e.g. doctor, dental, optical and pharmaceutical, excl. health insurance) Utilities & Rates (e.g. owner occupied property expenses including electricity, gas, water, rates, maintenance and other household expenses excl. telephone, internet and media) Insurance (e.g. insurance including health, home and contents and motor vehicle) Education (e.g. public education fees incl. preschool, primary, secondaryand tertiary, and associated expenses including books and uniforms etc) Childcare (e.g. childcare including nannies) Child maintenance/support payments Rent (e.g. rent, board) Other (e.g. private school fees, life insurance, income protection, body corporate fees and any other expenses not covered in above categories which must be explained further in the comments)Total of living expenses 0 0Comments – If applicable, please provide an explanation of any unusual responses to the above living expenses(e.g. my transport costs are nil as I have a company car).Consent to electronic statements and legal notices.By selecting Yes below, you agree we can send you statements and legal notices electronically for that product.Applicant 1Applicant 2YesNoHome loanYesNoHome loanYesNoEveryday Transaction AccountYesNoEveryday Transaction AccountYesNoFrank credit cardYesNoFrank credit cardNote that: We will email you when your statement or notice is available. You must check regularly for emails from us andmake sure your email address remains up-to-date. We may send the statement or notice by email or make it available at our website. You will no longer receive paper statements. In some circumstances we may still send you legal notices by mail. You can withdraw this consent at any time. If so, we will send statements and notices by mail.ME Bank – a division of Bank of Queensland Limited ABN

Loan product - select the type of loan. Basic Home Loan - Get back to basics with our no-frills, variable rate home loan - low interest rate, fees and stress. Flexible Home Loan - Customise to your heart's content. With options to fix, split or offset, you can create a loan to fit your lifestyle. Loan purpose. Primary purpose.

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academic writing, the purpose of which is to explore complex concepts and issues. Terms like Zin essence or to summarise, are more appropriate. The use of the word Ztalking [ is unsuitable because the law is a concept and concepts are not capable of talking! Words that could be used instead include state, articulate or describe. Sentences Try to express a single idea or point in each sentence .