Parramatta Broker Mortgage Services

Loan Reference No ME683130 Date 19/02/2014

Customer Name Hiu Ting I Ngai, Yang Liu
Loan Amount $462,500
Loan Type Negotiated Fixed Rate 2 Year
Company Aussie Home Loans Limited
Attention Lyndal Linkin
Loan Status Approval in Principle

Dear Lyndal Linkin,

We are pleased to confirm that based on the information provided, the loan application for the above named
is Approved in Principle. This Approval in Principle is valid for 180 days from the date shown above.
After the first 90 days from the date of this letter, we will require you or your customer to provide information
for revalidating their financial situation.

Formal approval for the above mentioned loan application is subject to:

· Our verification of all details provided.

· Our receipt of all necessary supporting documentation (Please print the Application Checklist from
the Forms section of the broker website for the information we require now).
· Satisfactory valuation for the proposed security property(s). We will arrange for this to be undertaken
where the Bank requires a valuation be completed.
· Lender’s Mortgage Insurance approval, if required.
· Verification of information provided on a credit bureau report we obtain.
· Each applicant’s ability to provide the bank with further information, as necessary
Additional Conditions (If Applicable)
· The Bank receiving a copy of the Contract for Sale for purchase of the new property.
· The Bank receiving the Plans, Specifications & final Builder’s Tender for the proposed construction.
· The Bank receiving the Plans, Specifications and Owner Builder Cost Estimate Worksheet for the
proposed construction.
· An Affordability Self Assessment being completed by the proposed borrowers, and our receipt of an
original Affordability Statement signed by all borrowers.
· Identification of all proposed borrowers and guarantors.

If the above conditions for formal approval are satisfied, we will approve the loan application and issue a loan
agreement to the (proposed) borrowers.

Applicants are to be informed that, if formal approval is provided, the loan agreement we issue will contain
additional requirements, which must be satisfied prior to the loan advance being made.

To ensure this matter proceeds without delay, please submit all required documentation to us as soon as
possible.

Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141
AFSL and Australian credit licence 233714
19/02/2014 12:46:43
Conditional approval is not a guarantee of formal approval or the loan funds being made available. Loan
funds may not be drawn or advanced until all of our requirements for making the loan available have been
satisfied and the relevant documentation has been executed.

Yours sincerely,

Bouasing Sengmany
Parramatta Broker Mortgage Services

Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141
AFSL and Australian credit licence 233714
19/02/2014 12:46:43