Geared Investments Loan Application

Effective Date: 25 October 2023

Please refer to the end of this document for submission instructions.

Before You Start

The Geared Investments Loan Terms and Conditions ✓

Privacy Information and Authorisation (in the Geared Investments Loan Terms and Conditions) ✓
Ensure that you
The Financial Services Guide (FSG) provided by your adviser & the CommSec Financial Services Guide ✓
have read
The Geared Investment Loan Product Disclosure Statement (PDS) ✓
A7 The Risk Disclosure Statement ✓
For more information visit us at commbank.com.au/gearedinvestments or by calling 13 15 20.

Compulsory Sections to Complete (sign ✗ ) if you are:

A1 Applicant Details ✓
A2 Applicant Financial Details ✓
A3 Loan Details ✓
An Individual or Joint Applicant
A4 Direct Debit/Credit Request ✗ ✓
(includes Self Employed Applicants)
A8 Acknowledgements & Signatures – Individual Borrowers & Trustees ✗ ✓
C20 Adviser Details ✓
D21 Required Supporting Documents ✓

A1 Applicant Details (listing Company directors) ✓

A3 Loan Details ✓
A4 Direct Debit/Credit Request ✗ ✓
A Company Applicant A5 Company Applicant ✓
A9 Acknowledgements & Signatures – Company Borrowers & Trustees ✗ ✓
C20 Adviser Details ✓
D21 Required Supporting Documents ✓

A1 Applicant Details (listing Trustees) ✓

A2 Applicant Financial Details ✓
A3 Loan Details ✓
An Individual acting as Trustee A4 Direct Debit/Credit Request ✗ ✓
of a Trust Applicant A6 Trust Applicant ✓
A8 Acknowledgements & Signatures – Individual Borrowers & Trustees ✗ ✓
C20 Adviser Details ✓
D21 Required Supporting Documents ✓

A1 Applicant Details (listing Company directors) ✓

A3 Loan Details ✓
A4 Direct Debit/Credit Request ✗ ✓
A Company acting as Trustee A5 Company Applicant ✓
of a Trust Applicant A6 Trust Applicant ✓
A8 Acknowledgements & Signatures – Company Borrowers & Trustees ✗ ✓
C20 Adviser Details ✓
D21 Required Supporting Documents ✓

C17 Third Party Mortgagor Details – Individual/s ✓

An Individual Third Party Mortgagor
D21 Required Supporting Documents ✓

A Company or Trustee Third Party Mortgagor C18 Third Party Mortgagor Details – Company & Trust ✓
2000 (10/23) Page 1 of 33
Additional Sections to Complete (sign ✗ ) if you are:

Starting a New Invesment in a

B14 Investment Details ✓
Managed Fund/Platform

B11 Transfer Managed Funds ✓

Transferring Managed Funds that you
B12 Australian Standard Transfer Form (to be completed for each fund) ✓
Already Own as Security for your Loan
B13 Statutory Declaration Form (to be completed for each fund) ✓

Transferring ASX Securities that you already B15 Transfer ASX Security – Issuer Sponsored Holdings ✓
Own as Security for your Investment Loan B16 Transfer ASX Security – Broker To Broker, Chess Sponsored Holdings ✓

B10 Loan Refinancing Authority ✗ ✓

B11 Transfer Managed Funds ✓
Refinancing an Existing Loan Australian Standard Transfer Form (if applicable – to be completed for
B12 ✓
each fund lodged as security for your existing investment loan)
Statutory Declaration Form (if applicable – to be completed for
B13 ✓
each fund lodged as security for your existing investment loan)

Authorising Another Person to Operate

C19 Additional Signatory Authority ✓
your Investment Loan on your Behalf

Wholesale Client

This application form should not be used for a wholesale client. If you
believe you meet the wholesale client criteria, you should refer to the
A Wholesale Client ✓
separate application form called ‘Geared Investments Loan Application
Form for Wholesale Clients’.

About This Application Form

• In this application form words in italics are defined words which have the same meaning as in the Geared Investments Loan
Terms and Conditions.
• Geared Investments Loan is a product of the Commonwealth Bank of Australia ABN 48 123 123 124 Australian Financial
Service Licence and Australian credit licence 234945 and is administered by its wholly owned but non-guaranteed subsidiary
Commonwealth Securities Limited ABN 60 067 254 399 Australian Financial Service Licence 238814.
• The information included in this Application Form is being collected by us so that we can manage and administer the Geared
Investments Loan offered by the Commonwealth Bank of Australia. For more information regarding the collection, use and
exchange of personal information, refer to the ‘Privacy Information and Authorisation’ section of the Geared Investments Loan
Terms and Conditions.

Where to from here?

All applicants – Please start by providing your personal details in Section A1.

2000 (10/23) Page 2 of 33

 Section A1 – Applicant Details (mandatory)

For Trust applications, Trustee 1 is nominated to receive Margin Calls on behalf of the Trust.
Please select: Borrower 1 Director 1 Trustee 1

Title Mr Mrs Miss Ms Other

Full given name/s Surname

Other name/s commonly known by (if applicable) Date of Birth (DD/MM/YYYY)

Gender Male Female

Account designation (if applicable)

Residential address (must be an Australian address. Cannot be a PO Box)

State Postcode
Postal address (if same as residential address write ‘As above’)

State Postcode
Countries of residence (please list the country/ies you reside in)

Tax Residency Information (mandatory)

• Each country has different rules which govern tax residency. For individuals, these rules are often based on whether your home is
there, the time you spend there, or if you work there. If you are unsure about your tax residency, you should seek professional advice.
(You can be a tax resident of more than one country.)
• List all your countries of tax residency and your TIN for that country or ‘Reason Code’ if no TIN is available.
• If you list Australia as a country of tax residency, select ‘Reason Code’ C in the TIN column.
• If you are a US citizen or resident you must include USA as a country of tax residency.
Country/ies of Tax Residency Tax Identification Number (TIN) or Reason Code for no TIN
List all country/ies of tax residency. 1. Provide either TIN; or
2. Select a ‘Reason Code’ if no TIN:
A. My country of tax residency does not issue TINs
B. I haven’t been issued with a TIN by my country of tax residency
C. My country of tax residency doesn’t require disclosure of a TIN

Job category** (mandatory) Job type** (mandatory)

** Refer to Job and Industry Classifications List available on the website for a list of acceptable Job Categories and Types.
Preferred contact number (mandatory) Email address (mandatory)

Are you a Sole Trader?

Business name (if any) ABN ACN
No
Yes - If yes, please provide your:
Identification (choose one of the three identification options below)
Option A – Existing Commonwealth bank account
Please provide your bank account:
Bank State Branch (BSB) Account number Account name

Option B – Passport or Australian Driver Licence

Please attach a copy of two of the following items to this application: Australian Driver Licence, Passport or Medicare Card.
By ticking this box and providing copies of your ID, you consent to the electronic verification of your ID documents as outlined in
the Declaration Section of this form.
Option C – No Passport or Australian Driver Licence
If you do not have a Passport or Australian Driver Licence please contact us for alternative options to confirm your identity.
2000 (10/23)

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Where to from here?

All applicants – Please provide your financial details in Section A2.
 Section A1 – Applicant Details (mandatory) (continued)

For Trust applications, Trustee 1 is nominated to receive Margin Calls on behalf of the Trust.
Please select: Borrower 2 Director 2 Trustee 2

Title Mr Mrs Miss Ms Other

Full given name/s Surname

Other name/s commonly known by (if applicable) Date of Birth (DD/MM/YYYY)

Gender Male Female

Account designation (if applicable)

Residential address (must be an Australian address. Cannot be a PO Box)

State Postcode
Postal address (if same as residential address write ‘As above’)

State Postcode
Countries of residence (please list the country/ies you reside in)

Tax Residency Information (mandatory)

• Each country has different rules which govern tax residency. For individuals, these rules are often based on whether your home is
there, the time you spend there, or if you work there. If you are unsure about your tax residency, you should seek professional advice.
(You can be a tax resident of more than one country.)
• List all your countries of tax residency and your TIN for that country or ‘Reason Code’ if no TIN is available.
• If you list Australia as a country of tax residency, select ‘Reason Code’ C in the TIN column.
• If you are a US citizen or resident you must include USA as a country of tax residency.
Country/ies of Tax Residency Tax Identification Number (TIN) or Reason Code for no TIN
List all country/ies of tax residency. 1. Provide either TIN; or
2. Select a ‘Reason Code’ if no TIN:
A. My country of tax residency does not issue TINs
B. I haven’t been issued with a TIN by my country of tax residency
C. My country of tax residency doesn’t require disclosure of a TIN

Job category** (mandatory) Job type** (mandatory)

** Refer to Job and Industry Classifications List available on the website for a list of acceptable Job Categories and Types.
Preferred contact number (mandatory) Email address (mandatory)

Are you a Sole Trader?

Business name (if any) ABN ACN
No
Yes - If yes, please provide your:
Identification (choose one of the three identification options below)
Option A – Existing Commonwealth bank account
Please provide your bank account:
Bank State Branch (BSB) Account number Account name

Option B – Passport or Australian Driver Licence

Please attach a copy of two of the following items to this application: Australian Driver Licence, Passport or Medicare Card.
By ticking this box and providing copies of your ID, you consent to the electronic verification of your ID documents as outlined in
the Declaration Section of this form.
Option C – No Passport or Australian Driver Licence
If you do not have a Passport or Australian Driver Licence please contact us for alternative options to confirm your identity.
2000 (10/23)

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Where to from here?

All applicants – Please provide your financial details in Section A2.
Section A2 – Applicant Financial Details (mandatory - Individuals and Trustees)

Commonwealth Bank Geared Investments require this information to assess whether the limit you are applying for is not unsuitable.
Please complete this section accurately. You will be required to provide the supporting verification documentation as described in
Section D21 Required Supporting Documents for the income and commitment values you enter below.
Household Information

Note:
Please enter the number of ‘Households’ plus the number of dependent adults and children residing in each household
that are associated with this application.
• A ‘Household’ is defined as residences that are for non-investment purpose. Eg. a primary residence or holiday house.
• An Adult is to include the applicant/s and any other adult that is financially reliant on the applicant/s.

Question Borrowers
Do you reside in more than one household i.e. property? (e.g. Holiday House, FIFO etc.) Yes No If yes, how many?
Are you financially responsible for any other adults that are not a borrower to this loan? Yes No If yes, how many?
Are you financially responsible for any children? Yes No If yes, how many?
Please confirm your living arrangements? Living in own home Renting Boarding Living with family rent free

Income and Commitments

Do not include any values relating to the Investment Loan that you are applying for (including security/income).
Please enter the amount of zero dollars (0) or not applicable (N/A) where any fields are not relevant.

Annual Gross Income Borrower/Trustee 1 Borrower/Trustee 2

Annual gross base salary $ $

Annual gross commissions/bonus payments $ $

Annual gross rental income $ $

Annual gross shares/managed funds/cash investments income (e.g. dividends and interest) $ $

Annual gross other income (must be detailed below in order to be considered) $ $

Total annual gross income $ $

Annual gross other income details

Monthly Commitments Borrower/Trustee 1 Borrower/Trustee 2

Monthly mortgage payments (primary residence) $ $

Monthly rental payments $ $

Monthly mortgage payments (investment properties) $ $

Monthly lease/personal/car loan payments $ $

Monthly credit/store card payments $ $

Monthly living expenses (e.g. food, clothing, education, utilities etc, excluding any $ $
commitments that are separately provided)
Other monthly commitments (please provide details below) $ $

Total monthly commitments $ $

Other monthly commitment details (e.g. may include HECS/

HELP payments, court ruled child maintenance payments etc)

For joint commitments apportion evenly amongst applicants e.g. for a $1,200 joint monthly commitment enter $600 for each Borrower.
• Are any other parties not listed as applicants responsible for any of the commitments listed below? Yes No
• Are they employed? Yes No
• Are they able to service their share of these commitments? Yes No

2000 (10/23) Page 5 of 33

 Section A2 – Applicant Financial Details (mandatory) (continued)

Statement of Financial Position

Where there is more than one Borrower applying for the loan please complete this section on a combined basis for all Borrowers and
provide each Borrower’s percentage of ownership (where applicable).
Percentage of ownership
Assets Value Borrower/Trustee 1 Borrower/Trustee 2
Property (primary residence) $ % %

Property (investment properties) $ % %

Cash $ % %

Investments (shares & managed funds) $ % %

Other investments/assets $ % %
(must be detailed below in order to be considered)
Total assets $

Other investments/assets details

Liabilities1
Primary Residence – Number of mortgages Remaining term3 Percentage of ownership
Mortgages Limit2 Borrower/ Borrower/
Balance MM YY Trustee 1 Trustee 2
Primary Residence 1 $ $ % %

Primary Residence 2 $ $ % %

Primary Residence 3 $ $ % %

Totals $ $

Primary mortgage details4

Investment Property – Number of mortgages Remaining term3 Percentage of ownership

Mortgages Limit2 Borrower/ Borrower/
Balance MM YY Trustee 1 Trustee 2
Investment Property 1 $ $ % %

Investment Property 2 $ $ % %

Investment Property 3 $ $ % %

Totals $ $

Investment mortgage details4

Other loans, cards and liabilities Remaining term3 Percentage of ownership

Borrower/ Borrower/
Lease/loan/cards Lease/loan Balance MM YY Trustee 1 Trustee 2
Car lease/loans (balance) $ $ % %

Personal loans (balance) $ $ % %

Credit/store cards (total limit of open cards) $ % %

Other liabilities (provide details below) $ $ % %

Totals $ $

Other liabilities details

1 If you have more than three (3) residential or investment property mortgages please photocopy this sheet and provide additional details separately.
Enclose the additional copies with the application together with the supporting documentation.
2 For home loan redraw facilities this is your current loan balance plus funds available for redraw e.g. if you have a loan balance of $250,000 and have made advance
payments of $50,000, your ‘Limit’ will be $300,000 and your ‘Balance’ $250,000. If you have not made any advance payments your Balance and Limit will be the same.
3 The remaining term should be entered in years and months. This means that if the contracted remaining term of a loan is 15 years and 9 months, the remaining term
should be entered as 15/9.
4 If any other non-borrower/applicants are contributing to the servicing of the mortgages listed above please provide details.
2000 (10/23)

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Where to from here?

All applicants – Please select your loan preferences in Section A3.
Section A3 – Loan Details (mandatory)

Loan Type
We offer two types of Investment Loan with slightly different features to suit different investor needs:
• one with a 5% buffer and features aimed at investors predominantly investing into direct listed equities; and
• one with a 10% buffer and features aimed at investors predominantly investing into Managed Funds.
5% Buffer 10% Buffer
Max Base LVR for shares and funds 80% 75%
Margin Call LVR^ (Max Base LVR + Buffer) 85% 85%
Margin Call Clearance Time
If portfolio > 95% Managed Funds 3 days 3 days
If portfolio < 95% Managed Funds 1 day 1 day
Diversification Rewards*
Bonus Stocks Yes No
Portfolio LVR 5% 0%
^ Excluding portfolios holding cash and cash fun
* Where you hold five or more approved securities in your portfolio. For more information, visit commbank.com.au/gearedinvestments

Which Investment Loan type do you wish to apply for?

(This will determine your LVR, Buffer and Margin Call clearance time as listed above. If no selection is made, the 5% buffer loan will be opened)
5% Buffer Loan 10% Buffer Loan

Credit Limit
Your offer to borrow from the bank* (minimum $20,000)
$
* Your Credit Limit is subject to our standard credit assessment criteria. We may provide you with a Credit Limit that is below the
level you ask for.
Ensure that the Credit Limit is sufficient for the initial loan advance, based on any initial investments including regular gearing
payments, capitalised interest and/or applicable fees (such as PPSR Registration Fee and Trust Investigation fees).

Variable Interest Payment Details

Your Loan Balance will incur the standard variable Interest Rate on any drawn balance that is not fixed by you.
The monthly standard variable interest that is accrued will be capitalised to the Loan if you do not make an election below;
How do you want to pay your monthly interest?
By Direct Debit. Please complete the Direct Debit Request form in Section A4.
By adding interest to the Loan Balance

Fixed Interest Rate Option (if applicable)

You can choose to prepay interest on all or part of your loan at a fixed rate. Download the Fixed Interest Request Form on our website
or call us to arrange a fixed Interest Rate.

Loan Statement Delivery

Loan statements are made available free of charge to Borrowers with a valid email address. In most cases we will email you a
password protected PDF statement. The password will be set to your loan number which we will provide to you upon settlement of
of your loan facility. Please contact us for further information.
You should check your emails regularly and ensure your email address is always kept up to date.
You can choose to receive paper statements in addition to electronic statements by ticking the box below. Paper statement fees
apply (refer to our Fees and Charges schedule).
I would like to receive paper statements by post (fees apply).

Where to from here?

All applicants – Please provide your bank account details in Section A4.

2000 (10/23) Page 7 of 33

Section A4 – Direct Debit/Credit Request (mandatory)

Geared Investments
Commonwealth Bank of Australia Note:
ABN 48 123 123 124 When you complete this form, we will Direct
Locked Bag 34 Australia Square NSW 1214 Debit or Direct Credit funds from/to your
Phone: 13 15 20 nominated Bank Account as requested by you.
Email: gearedinvestments@cba.com.au
Form of Request for debiting and crediting amounts to an account through the Bulk Electronic Clearing System (BECS). When you
wish to deposit funds to your Loan Account (e.g. payment of interest) we can arrange a Direct Debit from your Bank Account. By
completing this Direct Debit/Direct Credit Request you are authorising Commonwealth Bank of Australia to both direct debit and
direct credit your account. The Borrower/s should complete this form for all Loan Account/s.
You acknowledge that neither Commonwealth Bank nor the Financial Institution are required to check the correctness of the details
of the Bank Account provided. This authorisation is to remain in force in accordance with the terms described in the Direct Debit/
Direct Credit Request Service Agreement section of the Geared Investments Loan Terms and Conditions.
I/We (Surname/Company name) Given names/ABN/ACN

authorise and request Commonwealth Securities Limited (APCA User ID No. 019108 – Debit and 069346 – Credit) as agent for
the Bank to arrange for funds to be:
(a) debited from my/our nominated account for interest charges, principal reductions, equity contributions and Margin Calls at the
financial institution identified below and as prescribed in the Geared Investments Loan Terms and Conditions through the BECS
and/or
(b) credited to my/our account.
I/We authorise the following:
• Commonwealth Bank of Australia to verify the details of the account with my/our Financial Institution; and
• The Financial Institution to release information allowing Commonwealth Bank of Australia to verify the account details.
Account Holder/Director 1 Account Holder (Joint)/Director 2
Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
If the bank account is in joint names, both account holders must sign. If a signatory does not have a relationship with the
Commonwealth Bank of Australia, we will require a certified copy of ID. Please refer to the ‘Identification Documentation
Requirements’ available on our website that sets out the acceptable identification documentation and certification requirements.
Details of the Account to be Debited and Credited
Name of financial institution or bank at which your account is held Account name (E.g. Mr John Brown)

Bank State Branch (BSB) Account Number

Date (DD/MM/YYYY)

Note: Direct Debiting and Direct Crediting is not allowed on the full range of accounts. If in doubt, please refer to your Financial Institution.

Where to from here?

Individual and Joint applicants – Please read the Risk Disclosure Statement in Section A7.
Company applicants (including Company Trustees) – Please provide company details in Section A5.
Trust applicants – Please provide trust details in Section A6.

2000 (10/23) Page 8 of 33

Section A5 – Company Applicant (if applicable)

If you are a Company Applicant, you must also complete Section A1 with Director 1 (and Director 2 if applicable) details.
Company name ACN

Registered address (must be an Australian address. Cannot be a PO Box)

State Postcode
Principal place of business (if same as registered address write ‘As above’ )

State Postcode
Postal address (if same as registered address write ‘As above’)

State Postcode

Type of company: Domestic Proprietary Domestic Public

Is the company operating as a charity? Yes No
If yes, what is the objective/purpose of the charity?

Company Industry and Type

Company industry category** (mandatory) Company industry type** (mandatory)

** Refer to Job and Industry Classification List available on the website for a list of acceptable Industry Categories and Types.
e.g. Personal investment companies are Category ‘Personal and Other Services and Type ‘Individuals’.
Tax Residency Information
• List all your countries of tax residency and your TIN for that country or ‘Reason Code’ if no TIN is available.
• Where the organisation has no residence for tax purposes, please provide the country in which key management decisions are made.
• You are not required to complete the below if the organisation is a Publicly Listed Company or the Company is the trustee for the
trust account.
Country/ies of Tax Residency Tax Identification Number (TIN) or Reason Code for no TIN
List all country/ies of tax residency. 1. Provide either TIN; or
The organisation must be a tax resident of at 2. Select a ‘Reason Code’ if no TIN:
least one country. A. The organisation’s country of tax residency does not issue TINs
B. The organisation has not been issued with a TIN by its country of tax residency
C. The organisation’s country of tax residency does not require disclosure of a TIN

Please list the full names of ALL additional directors of the company that are not listed as an applicant in Section A1.
Additional Director 1
Title Full given name/s Surname

Additional Director 2
Title Full given name/s Surname

Additional Director 3
Title Full given name/s Surname

Additional Director 4
Title Full given name/s Surname

If there are more than four additional Directors please photocopy this sheet and provide additional details separately, enclosing
additional copies with the application.

2000 (10/23) Page 9 of 33

Section A5 – Company Applicant (if applicable) (continued)

For Proprietary Company Only

Is the company’s primary business activity investing? Yes No
Tick ‘Yes’ if the company earns more than 50% of its total income from investment activities (e.g. rent, interest or dividends) or more
than 50% of the company’s assets produce or are held for producing this investment income.
Beneficial Owner Details
A. Are there any individuals who own 25% or more of the shares in the company, either directly or indirectly?
Yes – Go to D and provide details No – Go to B
B. Are there any individuals who control 25% or more of the shares in the entity, either directly or indirectly, for example through
voting rights?
Yes – Go to D and provide details No – Go to C
C. If there are no beneficial owners or controllers please provide details in D for any individuals who are responsible for the strategic
or financial decisions of the company. That is, the individual who exercises primary control over the company because of the
position held. e.g. CEO, Managing Director of equivalent.
D. Please provide personal details of individuals – at least one individual must be listed.
Beneficial Owner/Controller 1 – Same as Applicant 1 or Complete and attach a signed copy of Form 7025: ‘Identity Verification
Form’ available from our website.
Beneficial Owner/Controller 2 – Same as Applicant 2 or Complete and attach a signed copy of Form 7025: ‘Identity Verification
Form’ available from our website.
For any additional individuals please photocopy this section, complete and attach to your application.

2000 (10/23) Page 10 of 33

Section A6 – Trust Applicant (if applicable)

Individual/s as Trustee – ALL individual Trustees must also complete Section A1 for identification in accordance with individual
borrower requirements. The first Trustee will be the nominated recipient of Margin Calls.
Company as Trustee – for Company identification please complete Section A5. The Director/s operating on the accounts are
required to complete Section A1 for identification in accordance with individual borrower requirements.
If the Trust has more than 2 Individual Trustees or more than 1 Company Trustee, please contact us for further instructions on how
to complete this form.
Full Trust name

Provide a shortened version for the full name of the Trust (as above) to within a 23 character limit (required for CHESS registration purposes)

ABN Business name (if any) of the Trustee of the Trust

Type of Trust: Family Other

Trust Industry and Type
Trust industry category** (mandatory) Trust industry type** (mandatory)

** Refer to Job and Industry Classification List available on the website for a list of acceptable Industry Categories and Types.
e.g. Family Trusts are Category ‘Personal and Other Services’ and Type ‘Individuals’.
Tax Residency Information
• List all your countries of tax residency and your TIN for that country or ‘Reason Code’ if no TIN is available.
• Where the organisation has no residence for tax purposes, please provide the country in which key management decisions are made.
• You are not required to complete the below if the organisation is a Publicly Listed Company or the Company is the trustee for the
trust account.
Country/ies of Tax Residency Tax Identification Number (TIN) or Reason Code for no TIN
List all country/ies of tax residency. 1. Provide either TIN; or
The organisation must be a tax resident of at 2. Select a ‘Reason Code’ if no TIN:
least one country. A. The organisation’s country of tax residency does not issue TINs
B. The organisation has not been issued with a TIN by its country of tax residency
C. The organisation’s country of tax residency does not require disclosure of a TIN

Organisation Income Sources

Does the organisation earn 50% or more of its total income from investment activities (e.g. dividends, interest or rent) ; or are 50% or
more of the organisation’s assets produce or are held for producing this investment income.
Yes – categorised as a Passive Organisation, proceed to following sections
No – categorised as an Active Organisation, skip to Acknowlegements & Signature
Beneficial Owners & Controlling Persons Information
Complete details for all Beneficial Owners and Controlling Persons
(there must be at least one Beneficial Owner/Controlling Person in the table)
• For an Unlisted Company – list ALL Shareholders whose shareholding is (directly or indirectly) greater than 25% in the
Organisation or has the power to control and make decisions about the entity’s finances and operations. If no such person, any
individual who exercises control of the Organisation through other means (e.g. voting rights), or if no such person, any individual
who holds the position of senior managing official (e.g. CEO, Managing Director, etc.)
• For Trusts – list ALL Settlors, Trustees, Protectors, beneficiaries and any other person exercising effective ultimate control over
the trust.
Where a Beneficial Owner or Controlling Person is itself a Company or Trust, you must list the actual person/s who are the ultimate
beneficial owner/s or controlling person/s.
If a Beneficial Owner/Controlling Person is a US citizen or resident, you are required to declare the US as a country of tax residence
and provide a US TIN for that Beneficial Owner/Controlling Person.

2000 (10/23) Page 11 of 33

Section A6 – Trust Applicant (if applicable) (continued)

Full Name Residential Address Date of Position % of Country/ies of TIN or Reason

Birth Owner- Tax Residence Code for no TIN
(refer to previous page
ship for Reason Codes)

If you have listed Australia as a country of tax residency, please insert reason code C (The organisation’s country of tax residency does
not require disclosure of a TIN), as this is optional for Australia.

Is the Trust operating as a charity? Yes No

If yes, what is the objective/purpose of the charity?

Settlor of Trust
Was the trust established with a ‘settled sum’ of $10,000 or more? Yes No
If yes, name of settlor:

Has the trust been established in Australia? Yes No

How many trustees are there in total?

Beneficiary Details
Provide details of ALL individuals who are beneficiaries of the Trust or the type of membership class.
Beneficiary 1
Title Full given name/s Surname

Beneficiary 2
Title Full given name/s Surname

Beneficiary 3
Title Full given name/s Surname

OR Membership Classes
Provide details of the membership class/es (e.g. unit holders, family members of named person)

If there are more beneficiaries please photocopy this sheet and provide additional details separately, enclosing additional copies with
the application.

Where to from here?

Company Trustee applicants – Please read the Risk Disclosure Statement in Section A7.

2000 (10/23) Page 12 of 33

 Section A7 – Risk Disclosure Statement (mandatory)

Risk Statement for Loan Applicants

You may satisfy the Margin Call by:
Before you apply for a Commonwealth Bank Geared
Investments Loan, you must consider: • depositing money in your Loan Account; or
• The Commonwealth Bank Geared Investments Loan Product • giving us more Financial Products to support your obligations; or
Disclosure Statement (PDS); and • selling all or some of your Financial Products and using the
• whether the Loan is right for you; and proceeds to reduce the Loan Balance.
• the risks associated with the Loan. If you do not satisfy a Margin Call:
We strongly suggest that you obtain independent legal and • we may (but are not obliged to) sell any of or all the Financial
financial advice to get a better idea of the risks of investment Products supporting your obligations and reduce the amount
lending and the way in which you can manage those risks. you owe us;
If you have appointed an Adviser you remain primarily • we may sell those Financial Products without contacting you first;
responsible for managing your Loan. These obligations • we may sell those Financial Products in the order we choose.
include but are not limited to: You should refer to the Terms and Conditions.
• Monitoring your portfolio; and Also, there may be circumstances in which we can require you
• Determining when your Loan is subject to a Margin Call; and to pay all of what you owe us. Those circumstances include,
• Ensuring that a Margin Call does not occur but are not limited to:
You and your Advisers should be aware of the following risks: • you do not satisfy a Margin Call;
• exposure to the volatility of the markets (like the stock • that at any time on any day your Current LVR exceeds 95%.
market) in which Financial Products are bought and sold; You should familiarise yourself with the other circumstances in which
• borrowing money to purchase Financial Products (gearing) we can ask you to pay us, as specified in the Terms & Conditions.
can magnify the financial effect on you of any decrease in the Payments to Loan Account
value of the Financial Products; Even if you do not draw on your Loan Account, the amount you
• all Financial Products which you buy using the Loan proceeds owe us can increase with unpaid interest and unpaid fees and
are mortgaged to us to ensure your obligations under the charges we debit to your Loan Account.
Loan Agreement; We charge interest on the debit balance of your Loan Account,
• income from your investments and the Interest Rate on your no matter what sums go to make up that balance.
Loan Account may fluctuate. Also, the time at which you pay
The balance of your Loan Account may increase with unpaid interest,
interest on your Loan Account may be different from the time
fees and charges sufficiently to require us to make a Margin Call.
at which you earn income on your investments; and
• we can make a Margin Call at any time on any day. What you must pay us is not limited to the value of
the Financial Products supporting your obligations.
We require that the maximum amount you owe us at any time You must pay us all amounts you owe us even if:
is no greater than the Maximum Gearing Level (which is the
• the Financial Products supporting your obligations are sold and
lower of the Maximum Gearing Ratio and the Margin Call LVR).
the proceeds are not sufficient to pay all of what you owe us; or
The Maximum Gearing Ratio is the maximum amount we • the Financial Products supporting your obligations are of little
will lend expressed as a percentage against a Portfolio, as or no value at all; or
determined by us from time to time and notified by being placed
• we reduce the Borrowing Limit of a Financial Product.
by us on the Geared Investments’ website.
The Margin Call LVR is the Base LVR plus the Buffer on your Taxation
Loan Account at that time. The Base LVR depends on: You may wish to negatively gear investments you make with
• the value of the Financial Products supporting your Loan proceeds. However, it may not be possible to do so.
obligations; and Interest deductibility is dependent on your personal
• the proportion of that value (the Borrowing Limit) we are circumstances and whether the borrowed funds are used to earn
willing to lend at that time. assessable income. You should speak to an independent taxation
adviser to determine whether you can deduct interest incurred
At any time, we can change the Borrowing Limits without by you on your Loan Account.
telling you. Also, the Market Value of Financial Products may
reduce rapidly over a short period. You have sole responsibility for deciding in which Financial
Products you will invest. See the Terms and Conditions. We do not:
If at any time the amount you owe us is greater than the Portfolio
Lending Value plus the Buffer we can make a Margin Call. • recommend any Financial Products; or
• give any opinion on the performance of Financial Products or
The PDS and our website include Case Studies that illustrate
the company or trustee that issues Financial Products, even if
some Margin Call scenarios.
we are willing to lend money against those Financial Products.
Notice of Margin Call
Drawings on the Loan Account
We will take reasonable steps to notify you of any Margin Call.
We consider whether or not to fund a drawing on the Loan
You must satisfy that Margin Call whether or not you personally
Account at the time you ask us to fund the drawing.
receive it.
You may ask to draw on your Loan Account to purchase Financial
In case you are not available to receive a Margin Call personally,
Products at a date in the future. If the Portfolio Lending Value
you should direct us to give notice of any Margin Call we make to
is insufficient at that future date, we will not fund the drawing
a person who:
regardless of the position when you asked for the drawing.
• is always available; and
• is authorised by you to satisfy a Margin Call. By signing the Application Form you acknowledge that you
have read and accept this Risk Disclosure Statement.
It is your obligation to ensure that a Margin Call does not occur.
We may provide you notice by means of SMS alert, phone, or email.
You must satisfy any Margin Call by the time specified in the Terms
& Conditions. The Financial Products securing your Loan may need
to be sold to clear the Margin Call without reference to you.
Page 13 of 33
2000 (10/23)

Where to from here?

Ind. & Joint applicants and Ind. & Joint Trustee/s applicants – Please complete the Acknowledgements & Signatures in Section A8.
Company & Company Trustee applicants – Please complete the Acknowledgements & Signatures in Section A9.
Section A8 – Acknowledgement & Signatures - Individual Borrowers & Trustees (mandatory)

Note: Each borrower must sign.

By signing this application I acknowledge that:
• All information which I have given in this application is true, complete and correct, and not misleading in any way; and
• I have read and accept the Geared Investments Loan Terms and Conditions; and
• If I am an individual Borrower, I give you permission to collect, use and share my personal information as set out in the Geared
Investments Loan Terms and Conditions; and
• If I give you my contact details, you can use these to communicate with me, including to give updates and reminders; and
• If I change my personal details (for example, my phone number or home or email address), I will let you know as soon as possible; and
• I have obtained the consent of any individual/s whose personal information is provided in this application and they have given
permission to collect, use and share their information in accordance with Group Privacy Policy; and
• All the permissions I have given apply to this application and any others I or my organisation make, as long as you are providing me
or them with services. If I am representing a number of applicants or officeholders, they have asked me to give permission on their
behalf; and
• I have sought my own independent legal and financial advice in relation to my obligations under the Commonwealth Bank Geared
Investments Loan; and
• If you approve and accept my application for a Commonwealth Bank Geared Investments Loan then I will automatically be legally
bound by the Geared Investments Loan Terms and Conditions applicable to me. No drawings will be allowed, and you may avoid
the contract, unless your security requirements are satisfied; and
• I have read the Risk Disclosure Statement in Section A7 of this application form; and
• I acknowledge that the name of individual person/s given to the Commonwealth Bank of Australia are true and correct and that
the law prohibits the use of false names, as well as the giving or use of a false documentation in connection with an identification
procedure; and
• I have read the Commonwealth Bank Geared Investments Loan Product Disclosure Statement (PDS); and
• I have read the Financial Services Guide (FSG) provided by my Adviser and the CommSec FSG provided by CommSec; and
• If I am an individual Trustee of a Trust where there is more than one Trustee, I nominate the person listed as ‘Applicant 1’ in this
application to receive margin call notices on my behalf.
• I/We confirm that the above Tax Information is true and correct and that I/we will promptly advise the Bank if any of the
information changes.
• Commonwealth Securities is acting as agent for and on behalf of the Commonwealth Bank of Australia.
Acknowledgements (you must complete this section)

Applicant 2
1. Borrowing to Invest Applicant 1
(if applicable)

Have you borrowed any money to provide loan collateral for this Loan? Yes No Yes No

If yes, is any of that money secured against your primary residential property? Yes No Yes No
If yes, what is the amount borrowed against the primary residential property? $ $
2. Reliability of Income

Do you have a reliable and stable source of income? Yes No Yes No

3. Your Responsibilities
Are you aware that:
You are responsible for managing and regularly monitoring your Loan (in conjunction
with your Adviser if applicable)
You are required to clear any Margin Call in line with the facility terms
You must have reserve liquid capital (cash or securities) as an option to cover any I understand I understand
Margin Call that occurs at short notice, otherwise we may be required to sell all or some & accept & accept
of the Financial Products securing your Loan
You are personally liable for all amounts outstanding on your Loan irrespective of the
Financial Products held
4. Investment Lending Risks
Are you aware that:
Investment lending risks include, but are not limited to, movements in the Market
Value of the Financial Products securing the Loan and Interest Rate movements
I understand I understand
At any time, at our discretion, we may change the Lending Value applying to any of the & accept & accept
Financial Products securing the Loan (even to zero), possibly triggering a Margin Call

2000 (10/23) Page 14 of 33

Section A8 – Acknowledgement & Signatures - Individual Borrowers & Trustees (mandatory) (continued)

5. Margin Calls Applicant 2

Applicant 1
Are you aware that: (if applicable)

We will take reasonable steps to contact you in the event of a Margin Call by phone call,
SMS alert or email
The Financial Products securing your Loan may need to be sold to clear the Margin Call I understand I understand
without reference to you & accept & accept
If the gearing level on your Loan exceeds the Maximum Gearing Ratio (at any given
time) a Margin Call will be triggered
6. Identity Verification
Are you aware that:
Commonwealth Bank is required by the Anti-Money Laundering and Counter-Terrorism
Financing Act 2006 to collect information about you and verify your identity before we can
provide you with the services or products for which you’ve applied. If you selected ‘Passport
or Australian Driver Licence’ as the method of ID in this form the following applies to you:
• I/We consent to having electronic identification performed using personal details
and identification documents. I/we have provided, and understand that providing
false or misleading information about my/our identity/ies is an offence under the
Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
• I/We consent to having my/our personal details and identification documents matched
to information held by the issuer or Official Record Holder via third party systems.
• I/We understand that my/our personal information will be exchanged with external
organisations including: credit reporting agencies, Commonwealth and State
government departments, independent and private sector organisations and
outsourced providers who coordinate the electronic identification process and who I understand I understand
may conduct additional matches against public or proprietary databases. & accept & accept
• As part of the electronic identification process, I/we permit these external
organisations to record, use and disclose my/our information in accordance
with their own privacy policies and legal obligations. I/We understand that
Commonwealth Bank and its outsourced providers will access records held about
me/us by these external organisations only for the purpose of matching the
identifying information I/we have chosen to provide.
• I/We consent to providing my/our name/s, address/s and date of birth to selected
credit reporting agencies to match this information against their records.
• I/We understand that this is done only for identity verification purposes as required
by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
You do not have to consent to electronic verification. If you do not want to be verified
electronically, please contact us for alternative options of confirming your identity.

Applicant 1 Applicant 2 (if applicable)

Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
Where to from here?
Now that you have provided all your details, tell us about your investments.
All applicants – Please complete the relevant investment details sections in Part B.

2000 (10/23) Page 15 of 33

Section A9 – Acknowledgement & Signatures - Company Borrowers & Trustees (mandatory)

Use these signing clauses for each borrower that is a company.

If you are a Director of a Borrower company, in addition to the clauses set out in Section A8, you are acknowledging the following:
• I sign this application for and on behalf of the company in my capacity as a Director and to confirm that I accept that when you
ask me to do so, I will sign a guarantee; and
• By signing, I confirm that there are reasonable grounds to believe that the company will be able to pay its debt as and when they
become due; and
• By signing this application, I (the Director) give you permission to collect, use and share my personal information as set out in the
Geared Investments Loan Terms and Conditions. If there is more than one Director, at least two Directors must sign.
• I/We am/are authorised by, and have the consent of the organisation and any Beneficial Owners to provide this Tax Information.
• I/We am/are authorised by each Beneficial Owner to provide the information on their behalf and have confirmed to me/us that
the Tax Information provided about them is true and correct. I/We confirm I/we have made them aware that this Tax Information
and information relating to the account may be provided to the tax authorities.
• Commonwealth Securities is acting as agent for and on behalf of the Commonwealth Bank of Australia.
Acknowledgements (you must complete this section)

Director/ Director/Guarantor
1. Borrowing to Invest
Guarantor 1 2 (if applicable)

Have you or your company borrowed any money to provide loan collateral for this Loan? Yes No Yes No

If yes, is any of that money secured against your primary residential property? Yes No Yes No
If yes, what is the amount borrowed against the primary residential property? $ $
2. Your Responsibilities
Are you aware that:
The company is responsible for managing and regularly monitoring the Loan
(in conjunction with your Adviser if applicable)
The company is required to clear any Margin Call in line with the facility terms
The company must have reserve liquid capital (cash or securities) as an option to cover I understand I understand
any Margin Call that occurs at short notice, otherwise we may be required to sell all or & accept & accept
some of the Financial Products securing your Loan
The company is liable for all amounts outstanding on your Loan irrespective of the
Financial Products held
3. Investment Lending Risks
Are you aware that:
Investment lending risks include, but are not limited to, movements in the Market
Value of the Financial Products securing the Loan and Interest Rate movements
I understand I understand
At any time, at our discretion, we may change the Lending Value applying to any of the & accept & accept
Financial Products securing the Loan (even to zero), possibly triggering a Margin Call
4. Margin Calls
Are you aware that:
We will take reasonable steps to contact you in the event of a Margin Call by phone call,
SMS alert or email
The Financial Products securing the company’s Loan may need to be sold to clear the I understand I understand
Margin Call without reference to the company & accept & accept
If the gearing level on the company’s Loan exceeds the Maximum Gearing Ratio
(at any given time) a Margin Call will be triggered

2000 (10/23) Page 16 of 33

Section A9 – Acknowledgement & Signatures - Company Borrowers & Trustees (mandatory) (continued)

5. Identity Verification Director/ Director/Guarantor

Are you aware that: Guarantor 1 2 (if applicable)
Commonwealth Bank is required by the Anti-Money Laundering and Counter-Terrorism
Financing Act 2006 to collect information about you and verify your identity before we can
provide you with the services or products for which you’ve applied. If you selected ‘Passport
or Australian Driver Licence’ as the method of ID in this form the following applies to you:
• I/We consent to having electronic identification performed using personal details
and identification documents. I/we have provided, and understand that providing
false or misleading information about my/our identity/ies is an offence under the
Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
• I/We consent to having my/our personal details and identification documents matched
to information held by the issuer or Official Record Holder via third party systems.
• I/We understand that my/our personal information will be exchanged with external
organisations including: credit reporting agencies, Commonwealth and State
government departments, independent and private sector organisations and
outsourced providers who coordinate the electronic identification process and who I understand I understand
may conduct additional matches against public or proprietary databases. & accept & accept
• As part of the electronic identification process, I/we permit these external
organisations to record, use and disclose my/our information in accordance
with their own privacy policies and legal obligations. I/We understand that
Commonwealth Bank and its outsourced providers will access records held about
me/us by these external organisations only for the purpose of matching the
identifying information I/we have chosen to provide.
• I/We consent to providing my/our name/s, address/s and date of birth to selected
credit reporting agencies to match this information against their records.
• I/We understand that this is done only for identity verification purposes as required
by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
You do not have to consent to electronic verification. If you do not want to be verified
electronically, please contact us for alternative options of confirming your identity.

Director 1 Director 2 (if applicable)

Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
Where to from here?
Now that you have provided all your details, tell us about your investments.
All applicants – Please complete the relevant investment details sections in Part B.

2000 (10/23) Page 17 of 33

Section B10 – Investment Loan Refinancing Authority (if applicable)

Where to from here?

All applicants – Are you refinancing an existing loan?
Yes – Please complete Section B10.
No – Managed Funds investors, please complete Section B11.
• Equities only investors, please complete Section B15 and/or B16 to transfer shares.
• Investors not lodging securities or making an initial investment, please proceed to Part C to provide details
of other parties related to the loan (i.e. 3rd Party Mortgagor, Authorised Representative).
Acknowledgements
Option 1 - Please transfer ALL of my/our CHESS shareholdings/Managed Funds and Holder Identification Number (HIN)
Option 2 - Please transfer the CHESS shareholdings/Managed Funds listed below*. If you are transferring Managed Funds please
ensure you have completed an Australian Standard Transfer Form in Section B12 for each Managed Fund you are transferring.
*It may be necessary to re-lodge your standing instructions with the share registries after this transfer.
ASX Code/APIR Security name/Managed fund Quantity (No. of units)

I/We have attached my/our most recent Loan statement

Full Refinance – Please provide approximate balance to be refinanced $

Partial Refinance – Please provide exact balance to be refinanced $

Existing Loan Details

Loan provider Name in which loan account held

Loan account number HIN

• Please be instructed that I/we would like to terminate my/our loan currently held with your company. I/We will be refinancing
my/our existing loan with a Commonwealth Bank Geared Investments Loan.
• Kindly arrange for the existing loan balance and other accrued obligations under my facility to be paid out by the Commonwealth
Bank of Australia (“the Bank”).
• I/We hereby authorise you to provide the Bank with any information they may require in order to fully complete the refinancing of
the loan.
Signatures for all Existing Loan Parties
Borrower/Director/Trustee 1 Borrower/Director/Trustee 2/Third Party Mortgagor (if applicable)
Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
Where to from here?
Applicants refinancing an existing loan holding Managed Funds or lodging other Managed Funds – Please list your Managed Funds
in Section B11.
Applicants making new investments in Managed Funds – Please select how to fund new Managed Funds investments in Section B14.
Applicants lodging Equities ONLY – Please list your shares in Section B15 and/or B16.

2000 (10/23) Page 18 of 33

Section B11 – Transfer Managed Funds (if applicable)

Complete this section if you wish to transfer managed funds that you already own to your Commonwealth Bank Geared Investments Loan.
APIR Code Fund name Lodge existing holdings
$
$
$
$
$
$
$
$
$
$

Value of existing fund holdings being lodged

How to Lodge Existing Investments
I/We have completed an Australian Standard Transfer Form for funds being lodged (see Section B12)
I/We have completed a Statutory Declaration for funds being lodged (see Section B13)
I/We have enclosed a current holding statement/s confirming the number of units presently held for each of the above funds
I/We have verified that the beneficial owner/s of the above securities are a loan party (applicant or third party mortgagor)

Where to from here?

Applicants refinancing an existing loan holding Managed Funds or lodging other Managed Funds – Please provide details
of your Managed Funds in Section B12.

2000 (10/23) Page 19 of 33

Section B12 – Australian Standard Transfer Form (if applicable)

Please ensure you complete the associated statutory declaration form over the page.
Please attach a copy of the Managed Fund Unit Holding Statement AND please copy this form and complete one for each existing
managed fund investment to be transferred. Please complete this form for all refinances.
Full name of fund manager Description of unit trusts

Quantity
Words: Figures:
Full name/s of transferor/s (seller/s) (please use capital letters)

Consideration
Nil:

Office use only

Full name/s of transferee/s (buyer/s)
State Nominees Limited (a/c ) c/-

Full address of transferee/s (buyer/s)

• I/We the registered holder/s and undersigned Seller/s for the above consideration do hereby transfer to the above name/s herein
after called the Buyer/s or to the several buyers named in Part 2 of the Brokers Transfer Form/s or Split Transfer Form/s, the
Securities as specified above standing in my/our name/s in the books of the above named company or eligible body subject to the
several conditions on which I/we held the same at the time of signing hereof and I/we the Buyer/s do hereby agree to accept the
said securities subject to the same conditions.
• I/We have not received any notice of revocation of the Power of Attorney by death of the grantor or otherwise, under which this
transfer is signed.
Signatures
Transferor/s (Seller/s) Transferor/s (Seller/s)
Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
Transferee/s (Buyer/s) Transferee/s (Buyer/s)
Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
For State Nominees Limited by its Attorneys who have received no notification of revocation of their appointment as such attorneys.

Where to from here?

Applicants refinancing an existing loan holding Managed Funds or lodging other Managed Funds – Please complete the Statutory
Declaration in Section B13.

2000 (10/23) Page 20 of 33

Section B13 – Statutory Declaration (if applicable)

I/We

of (address)

State Postcode

• Do solemnly and sincerely declare that: (The facts to be stated according to the Declarant/s knowledge);
• The beneficial ownership of the securities should remain the same; and
• That no consideration has been paid in relation to the transfer; and
• The transfer is for security purposes only; and
• This information is true and correct.
• I/We make this solemn declaration, conscientiously believing the same to be true, and by virtue of the provisions of the Oaths Act
1900.
Declared By
Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
Witness (Justice of the Peace or other authorised witness)
Refer to Statutory Declaration Signatory List for list of eligible persons
Before me Date (DD/MM/YYYY) Signature (must be signed pen to paper)

✗
Where to from here?
Applicants making new investments in Managed Funds – Please provide Managed Funds/Platform investment details in Section B14.
Applicants lodging Equities – Please list your shares in Section B15 and/or B16.
Otherwise – Proceed to Part C to provide details of other parties related to the loan (i.e. 3rd Party Mortgagor, Authorised Representative).

2000 (10/23) Page 21 of 33

Section B14 – Managed Funds/Platform Initial Investment Details (if applicable)

Initial Investments Funding

Complete this section to indicate the source of funds for the initial investments you are applying to execute using your
Commonwealth Bank Geared Investments Loan. Do not complete this section if you are refinancing an investment loan with another
lender, unless you are contributing additional security that is not collateral for your existing investment loan; only additional security
should be included in this section.
Initial investment loan investments will be funded by:

Initial Client Cash Contribution A. $ Cheque attached Direct Debit – I/We have completed
the Direct Debit Request Form. Funds
Initial Loan Advance B. $
are currently available to be drawn
Name of Fund/Platform
Acknowledgements
• You have checked that the Base LVR allows the interest and any relevant fees to be capitalised

Initial Investments Funding

By completing this section you agree that:
• We will make the initial investment into the applicable fund or platform according to the attached fund or platform application
• If the fund or platform application form was completed digitally, we will make the initial investment according to the information
provided to us by the relevant fund or platform provider
Initial Managed Fund/Platform investments
Note: This total must correspond to the sum of initial investments
Total New Investment Amount (A+B) $ (A+B) in the enclosed managed fund/platform application form/s
Acknowledgements
• You have read and agree to the Investment Allocation statements above
• You have attached the relevant managed fund/platform application form/s (including Adviser Stamp) to facilitate this investment
unless the fund or platform application was completed digitally
• You have checked the initial contribution requirements for the funds in which you are applying to invest

Regular Gearing Investments (if applicable)

Monthly contributions will be processed on or about the 13th day of the month. All loan advances will be processed on or about the
15th day of each month.
This amount will be debited from your nominated bank account
Monthly Cash Contribution C. $ in the attached Direct Debit Request form.
Monthly Loan Advance D. $ Note: The total of C+D must correspond to the sum/s indicated
in the regular investment section of the enclosed managed fund/
Do you wish to defer platform application form/s
commencement of regular gearing? Yes No
If ‘Yes’, please nominate a regular
gearing deferred start date (MM/YYYY)
Acknowledgements
• You have verified that the nominated regular gearing securities are presently on Geared Investments’ Accepted Managed Funds
list with a Borrowing Limit>0
• You are aware that the date of investment will be determined by the relevant investment manager
• You have completed the Direct Debit Request Form
• You have checked the minimum initial contribution requirements and minimum monthly investment amounts for the funds in
which you are applying to make regular monthly contributions (most funds require minimum initial and monthly investments)
• The gearing level of all regular gearing investments payments will be based on the ratio calculated by D / (C+D)

Where to from here?

Applicants lodging Equities – Please list your shares in Section B15 and/or B16.
Otherwise – Proceed to Part C to provide details of other parties related to the loan (i.e. 3rd Party Mortgagor, Authorised Representative).

2000 (10/23) Page 22 of 33

Section B15 – Transfer ASX Security - Issuer Sponsored Holdings (if applicable)

Please check your existing shareholder statement/s to confirm if your securities are Issuer or CHESS sponsored. Complete this section
only if you wish to transfer issuer sponsored ASX securities that you already own to your Commonwealth Bank Geared Investments Loan.
If you are refinancing another loan, this section should only include additional holdings – not securities that are collateral for your
existing loan.
Please transfer the Issuer Sponsored Holdings listed below.
APIR Code Fund name Lodge existing holdings (No. of units)

How to Lodge Issuer Sponsored Holdings:

I/We have verified that the beneficial owner/s of the above securities are a loan party (applicant or third party mortgagor)
I/We have attached current copies of my/our Issuer Sponsored holding statement/s including all of the holdings listed above.
The name and address on the shareholder statements exactly matches the application details I/we have provided*
* The Name and Address of the Holdings must exactly match the application details. If the details do not match, please amend the
registration details at the relevant Share Registry. When the amendment has been made, please forward the confirmation from the
Share Registry to us, together with a copy of your current Issuer Sponsored Holding Statement.

Where to from here?

Applicants lodging CHESS sponsored Securities – Please list your shares in Section B16.
Otherwise – Proceed to Part C to provide details of other parties related to the loan (i.e. 3rd Party Mortgagor, Authorised Representative).

2000 (10/23) Page 23 of 33

Section B16 – Transfer ASX Security - Broker To Broker, Chess Sponsored Holdings (if applicable)

Please check your existing shareholder statement/s to confirm if your securities are Issuer or CHESS sponsored. Complete this section
only if you wish to transfer CHESS sponsored ASX securities that you already own to your Commonwealth Bank Geared Investments Loan.
If you are refinancing another loan, this section should only include additional holdings – not securities that are collateral for your
existing loan.
Transfer Instructions
Option 1 - Please transfer ALL of my/our CHESS shareholdings and Holder Identification Number (HIN)
Option 2 - Please transfer the CHESS shareholdings listed below*
ASX Code Security name^ Lodge existing holdings (No. of units)

Existing Sponsoring Broker Details

Broker name Sponsor’s Participant Identification Number (PID)

Account number with sponsor Holder Identification Number (HIN)

New Sponsoring Broker Details

Broker name Participant Identification Number (PID)
Commonwealth Securities Limited 1402
Account number (to be completed by the Bank) HIN (to be completed by the Bank)

Signature of Shareholder/s# Requesting Transfer:

Shareholder 1 Shareholder 2 (if applicable)
Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗
How to Lodge Broker to Broker, Chess Sponsored Holdings
I/We have attached current copies of my/our CHESS sponsored holding statement/s including all of the holdings listed below
or a statement from my broker showing all holdings to be transferred.
The name and address on the shareholder statements exactly matches the application details I/we have provided
(or – contact your existing broker to amend details)
* Due to the update/change in your registration details, you may need to update the registry with your standing instructions for DRP
or other dividend payment.
^ Security name must be completed fully and accurately – exactly corresponding to the ASX Code
#
For joint shareholdings both holders must sign. For Company/Trust shareholdings Directors/Trustees must sign.

Where to from here?

All applicants – Proceed to Part C to provide details of other parties related to the loan (i.e. 3rd Party Mortgagor, Authorised
Representative).

2000 (10/23) Page 24 of 33

 Section C17 – Third Party Mortgagor Details - Individual/s / Director/s / Trustee/s (if applicable)

To be completed if you are not a Borrower but you are providing shares and/or managed funds to secure the Borrowers obligations.
Third Party Mortgagors are required to sign additional documents.
Title Mr Mrs Miss Ms Other
Full given name/s Surname

* To transfer shares to the investment loan, you need to fill in your name exactly as it appears on the share registry
(e.g. include your middle names if required).
Other name/s commonly known by (if applicable) Date of Birth (DD/MM/YYYY)

Gender Male Female

Account designation (if applicable)

Residential address (must be an Australian address. Cannot be a PO Box)

State Postcode
Postal address (if same as residential address write ‘As above’)

State Postcode
Countries of residence (please list the country/ies you reside in)

Tax Residency Information (mandatory)

• Each country has different rules which govern tax residency. For individuals, these rules are often based on whether your home is
there, the time you spend there, or if you work there. If you are unsure about your tax residency, you should seek professional advice.
(You can be a tax resident of more than one country.)
• List all your countries of tax residency and your TIN for that country or ‘Reason Code’ if no TIN is available.
• If you list Australia as a country of tax residency, select ‘Reason Code’ C in the TIN column.
• If you are a US citizen or resident you must include USA as a country of tax residency.
Country/ies of Tax Residency Tax Identification Number (TIN) or Reason Code for no TIN
List all country/ies of tax residency. 1. Provide either TIN; or
2. Select a ‘Reason Code’ if no TIN:
A. My country of tax residency does not issue TINs
B. I haven’t been issued with a TIN by my country of tax residency
C. My country of tax residency doesn’t require disclosure of a TIN

Job category** (mandatory) Job type** (mandatory)

** Refer to Job and Industry Classifications List available on the website for a list of acceptable Job Categories and Types.
Preferred contact number (mandatory) Email address (mandatory)

Identification (choose one of the three identification options below)

Option A – Existing Commonwealth bank account
Please provide your bank account:
Bank State Branch (BSB) Account number Account name

Option B – Passport or Australian Driver Licence

Please attach a copy of two of the following items to this application: Australian Driver Licence, Passport or Medicare Card.
By ticking this box and providing copies of your ID, you consent to the electronic verification of your ID documents as outlined in
the Declaration Section of this form.
Option C – No Passport or Australian Driver Licence
If you do not have a Passport or Australian Driver Licence please contact us for alternative options to confirm your identity.

Where to from here?

Page 25 of 33
2000 (10/23)

Individual/s Third Party Mortgagor only – Please read and sign the declaration in Section C19.
Trust and Company Third Party Mortgagor – Please complete Trust and/or Company details in Section C18.
To nominate an Additional Authority – Please complete the authority details in Section C19.
Otherwise – Please complete and gather the required supporting documents in Section D21. Ask your adviser to complete Section C20.
Section C18 – Third Party Mortgagor Details - Company & Trust (if applicable)

To be completed if you are not a Borrower but you are a company/trust providing shares and/or managed funds to secure the
Borrowers obligations.
Third Party Mortgagors are required to sign additional documents.
Company as Third Party Mortgagor – You must also complete Section A5 with your Company details.
Trust as Third Party Mortgagor – You must also complete Section A6 with your Trust details. If the Trust’s total loan exposure to the
Bank will be greater than $500,000, please provide a stamped copy of the FULL Trust Deed plus any variation or amendments to the
Trust Deed.
Full company/trust name Contact name (Director or Trustee)

Provide a shortened version for the full name of the Trust (as above) to within a 23 character limit

To transfer shares to the investment loan, you need to fill in the beneficiary name exactly as it appears on the share registry.
Registered address (must be an Australian address. Cannot be a PO Box)

State Postcode
Postal address (if same as registered address write ‘As above’)

State Postcode
Preferred contact number (mandatory) Email address (mandatory)

Where to from here?

To nominate an Additional Authority – Please complete the authority details in Section C19.
Otherwise – Please complete and gather the required supporting documents in Section D21. Ask your adviser to complete Section C20.

2000 (10/23) Page 26 of 33

Section C19 – Additional Signatory Authority (if applicable)

Only to be completed by applicants wishing to authorise an additional signatory to operate the account/s applied for in this
application and act on their behalf.
Details of Additional Signatory
Title Mr Mrs Miss Ms Other
Full given name/s Surname

Other name/s commonly known by (if applicable) Date of Birth (DD/MM/YYYY)

Gender Male Female

Residential address (must be an Australian address. Cannot be a PO Box)

State Postcode
Postal address (if same as residential address write ‘As above’)

State Postcode
Preferred contact number (mandatory) Email address (mandatory)

Relationship to borrower

Job category** (mandatory) Job type** (mandatory)

** Refer to Job and Industry Classifications List available on the website for a list of acceptable Job Categories and Types.
Identification (choose one of the three identification options below)
Option A – Existing Commonwealth bank account
Please provide your bank account:
Bank State Branch (BSB) Account number Account name

Option B – Passport or Australian Driver Licence

Please attach a copy of two of the following items to this application: Australian Driver Licence, Passport or Medicare Card.
By ticking this box and providing copies of your ID, you consent to the electronic verification of your ID documents as outlined in
the Declaration Section of this form.
Option C – No Passport or Australian Driver Licence
If you do not have a Passport or Australian Driver Licence please contact us for alternative options to confirm your identity.

• You authorise us to act on the instructions of your additional signatory in relation to your Commonwealth Bank Geared
Investments Loan, and you authorise us to provide information about your Commonwealth Bank Geared Investments Loan and
your security to your additional signatory.
• If we cannot contact you in relation to your Commonwealth Bank Geared Investments Loan, we may contact your additional
signatory for instructions. This includes (but is not restricted to) the event of a Margin Call. In the event of a Margin Call your
additional signatory must be able to make decisions to sell security, lodge additional security or provide additional funds.
• The appointment of an additional signatory is pursuant to the Geared Investments Loan Terms and Conditions. In appointing an
additional signatory, you acknowledge that the Geared Investments Loan Terms and Conditions apply. You are responsible for and
bound by the instructions that the additional signatory gives us, and you indemnify us in relation to the actions of your authorised
agent. This appointment of an additional signatory remains effective until you revoke it by providing Written Notice to us.
Applicant 1 Applicant 2 (if applicable)
Full name Date (DD/MM/YYYY) Full name Date (DD/MM/YYYY)

Signature (must be signed pen to paper) Signature (must be signed pen to paper)

✗ ✗

2000 (10/23) Page 27 of 33

Section C19 – Additional Signatory Authority (if applicable) (continued)

Additional Signatory Declaration and Signature

The additional signatory must sign.
I acknowledge that:
• Commonwealth Bank is required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 to collect information
about you and verify your identity before we can provide you with the services or products for which you’ve applied. If you
selected ‘Passport or Australian Driver Licence’ as the method of ID in this form the following applies to you:
• I/We consent to having electronic identification performed using personal details and identification documents. I/We have
provided, and understand that providing false or misleading information about my/our identity/s is an offence under the
Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
• I/We consent to having my/our personal details and identification documents matched to information held by the issuer or
Official Record Holder via third party systems.
• I/We understand that my/our personal information will be exchanged with external organisations including: credit reporting
agencies, Commonwealth and State government departments, independent and private sector organisations and outsourced
providers who coordinate the electronic identification process and who may conduct additional matches against public or
proprietary databases.
• As part of the electronic identification process, I/we permit these external organisations to record, use and disclose my/our
information in accordance with their own privacy policies and legal obligations. I/We understand that Commonwealth Bank and
its outsourced providers will access records held about me/us by these external organisations only for the purpose of matching
the identifying information I/we have chosen to provide.
• I/We consent to providing my/our name/s, address/es and date of birth to selected credit reporting agencies to match this
information against their records.
• I/We understand that this is done only for identity verification purposes as required by the Anti-Money Laundering and
Counter-Terrorism Financing Act 2006.
• Commonwealth Securities is acting as agent for and on behalf of the Commonwealth Bank of Australia.
You do not have to consent to electronic verification. If you do not want to be verified electronically, please contact us for
alternative options of confirming your identity.
Additional Signatory
Full name Date (DD/MM/YYYY) Signature (must be signed pen to paper)

✗
Where to from here?
Please complete and gather the required supporting documents in Section D21. Ask your adviser to complete Section C20.

2000 (10/23) Page 28 of 33

Section C20 – Adviser Details (mandatory)

Client adviser number (CAN) User ID

(If an existing adviser with Geared Investments) (5% Buffer Loan application only)
Title Full given name/s Surname

Authorised representative number Licensed dealer group name

(AFSL Holder (the “Licensee”))

If you do not have a CAN, please complete section 20A.
If you require assistance please contact us on 13 15 20.

20A – Dealer Group/Australian Financial Services Licence (AFSL) Details

If you do not have a CAN, please attach the following documents:
Authorised Representative Certificate Certified Copy of Primary Photographic Identification
(See the Identification Documentation Requirements available on our website)
(Identification may also be sighted by a Geared Investments Business
Development Manager)
Adviser Company Details
Full company name as registered by ASIC ABN ACN

Registered address of business

State Postcode Country

Adviser Personal Details

Other name/s commonly known by (if applicable) Date of Birth (DD/MM/YYYY)

Gender Male Female

Street address of business (cannot be a PO Box)

State Postcode
Postal address of business (if same as residential address write ‘As above’)

State Postcode
Business phone Mobile phone

Email address

2000 (10/23) Page 29 of 33

Section C20A – Dealer Group/Australian Financial Services Licence (AFSL) Details (if applicable) (continued)

All Advisers to Sign

By completing this section, I acknowledge and declare that:
• I have provided the Commonwealth Bank Geared Investments Loan Product Disclosure Statement to the Borrower/s of this facility; and
• I have provided the Financial Services Guide issued by my AFSL licensee to the Borrower/s of this facility together with any other
Financial Services Guides required to be given to the Borrower/s.
• I have been appointed by the applicant/s as their client adviser and I have identified the applcant/s and where applicable the
Trust. I have performed the necessary identification checks required by law and any other relevant authority and I have sufficient
evidence of this check that will be kept for seven years. Commonwealth Bank of Australia is authorised to take instruction/s from
this client’s adviser on behalf of the applicant/s.
• As the adviser, I acknowledge that the Participant relies upon us to perform the necessary ID check in order to satisfy their
requirements and that the Participant can request copies of identification at any time. I acknowledge that the process for
providing assurance of client identification to the Participant may change, at the Participant’s discretion, at any time.
• As the adviser, I acknowledge that I will send a copy of all documents used to verify my client’s details to the Participant together
with the application form. I acknowledge that the copy must be made from an original document and include a statement |
“This is a true copy of the original document” (or similar wording) and my signature.
Adviser
Full name Date (DD/MM/YYYY) Signature (must be signed pen to paper)

✗
Margin Lending Licensed Adviser Acknowledge (if applicable)
By completing this section, I acknowledge and declare that:
• I hold a current Australian Financial Services Licence (AFSL) with appropriate and relevant authorisations, or I am authorised to
represent a licensee with appropriate and relevant licence conditions of whom you have been notified; and
• I understand that commissions are not payable unless the Borrower/s meets the wholesale client criteria as set out in the
Wholesale Client Form (available from the Geared Investments website). Where this applies I confirm I have verified the necessary
documentation that will accompany the completed Wholesale Client Form as supporting evidence of the Borrower/s’ wholesale
client status; and
• I have explained the risks of the Commonwealth Bank Geared Investments Loan to the Borrower/s and drawn their attention
specifically to Section A7 ‘Commonwealth Bank Geared Investments Loan Risk Disclosure Statement’ of the Application Form; and
• Commonwealth Bank will rely on the information contained in the application form and any supporting documents as the basis of
a credit assessment; and
• I understand that additional information may be requested at Commonwealth Bank’s discretion;
Adviser
Full name Date (DD/MM/YYYY) Signature (must be signed pen to paper)

2000 (10/23) Page 30 of 33

 Section D21 – Required Supporting Documents (mandatory)

Please nominate and provide the relevant proof of identification and the supporting verification documentation for the income and
commitment values you have entered in the Applicant Financial Details in Section A2.

Proof of Identification

Existing Commonwealth Bank Account Details

Passport or Australian Driver Licence
Please attach a copy of two of the following items to this application: Passport, Australian Driver Licence, Medicare
All Card. Also attach a signed copy of Form 7025: ‘Identity Verification Form’ available from our website for each
Applicants additional Beneficial Owner, Trustee or Third Party Mortgagor not listed as an applicant in this application.
No Passport or Australian Driver Licence
If you do not have a Passport or Australian Driver Licence please contact us for alternative options to confirm
your identity.

Certified copy of extract of the Trust Deed. The extract should include the page which shows: the Trust
name, name/s of Trustee/s, signature/s of trustee/s with witnesses’ signatures, date of execution, names
of Beneficiary/s, name of Settlor and settled sum and either one of the following supporting documents:
Trust • A notice from the Australian Taxation Office, such as a notice of assessment, issued in the last 12 months
Applicants • or a Bank Statement from another financial institution from the last 12 months
• or a letter from the legal practitioner who prepared the trust deed.
If you do not have any of the above supporting documents you must post in an original certified copy of
the Trust Deed.

Verification of Income, Commitments and Liquid Assets

Existing Commonwealth Bank Customers

If you are an existing Commonwealth Bank customer and want to nominate your bank account, credit card,
loan or CommSec Trading Account in order to provide the necessary proof of income, commitments, loans or
liquid assets please provide your details below and then select when you would like us to use these details as
proof in the relevant section/s below:
Account Name2 BSB (if applicable) Account/Loan/ Product Name/Type
(or Borrower Name) Credit Card No.
Existing
Commonwealth
Bank Customer

Proof of Salary, Commissions or Bonus income, which can include:

The Commonwealth Bank account/s nominated above; or
2 recent payslips (no more than 60 days old); or
Most recent PAYG Payment Summary and a recent payslip (no more than 60 days old); or
Most recent tax return (no more than 18 months old) and a recent payslip (no more than 60 days old); or
If income is credited to a bank account held with another financial institution: 2 recent statements4
(no more than 60 days old)

Proof of Rental Income, which can include:

The Commonwealth Bank account/s nominated above; or
The most recent rental statement from the managing real estate agent that confirms the gross and net
rent and confirms that the property is still tenanted (for each property owned); or
Individual
Applicants If rental income is credited to a bank account held with another financial institution: 2 recent statements4
(no more than 60 days old)

Proof of Shares/Managed Funds Holdings, which can include:

The Trading Account nominated above where investments are held; or
Statements for other Shares / Managed Funds (no more than 60 days old)

Proof of Other Income:

If ‘Other Income’ has been specified, provide proof of this recurring income, for consideration
Page 31 of 33

Proof of Cash Holdings, which can include:

2000 (10/23)

The Commonwealth Bank Account/s nominated above; or

If cash is held with another financial institution: 2 recent statements4 (no more than 60 days old)
Section D21 – Required Supporting Documents (mandatory) (continued)

Proof of residential and investment property mortgage commitments, which can include:
The Commonwealth Bank Loan Account/s nominated above; or
If your mortgage is with another financial institution: Most recent property loan statement that shows
mortgage commitment, loan limit, remaining loan balance, interest rate, and remaining term

Proof of rental commitments, which can include:

The Commonwealth Bank Account/s nominated above; or
The rental agreement, that shows the rental commitment and payment frequency; or
If rental payments are debited to a bank account held with another financial institution: 2 recent
statements4 (no more than 60 days old)

Individual Proof of Lease or Personal/Car Loan commitments, which can include:

Applicants The Commonwealth Bank Account/s/Loan/s nominated above; or
(continued) If lease or personal/car loan is with another financial institution: The lease agreement or most recent
lease/loan statement that shows the commitment value and payment frequency; or
If lease or personal/car loan payments are debited to a bank account held with another financial institution:
2 recent statements4 (no more than 60 days old)

Proof of Credit Card/Store Card commitments, which can include:

The Commonwealth Bank Account/s/Credit Card/s nominated above; or
The most recent Credit Card/Store Card statement that shows the balance and limit
(no more than 60 days old)

Proof of Other Commitments:

If ‘Other Commitments’ have been specified and details provided, provide proof of this Commitment/s

2 years company financials:

P&L and Balance sheet for preceding 2 years; or
Self Employed If 2 years company full financials cannot be provided, please provide most recent financial statements
& Sole Trader and/or current statement of position (e.g. MYOB internal accounts). Recent year financials should not be
Applicants more than 18 months old.
If you are a sole trader:
Full tax returns for preceding 2 years

2 years company financials:

P&L and Balance sheet for preceding 2 years; or
If 2 years company full financials cannot be provided, please provide most recent financial statements
Company & and/or current statement of position (e.g. MYOB internal accounts). Recent year financials should not be
Company more than 18 months old
Trustee Note: Directors’ personal financial details may be requested once the application is received and the initial
Applicants assessment has deemed them to be necessary. Directors may be required to provide a Guarantee. After
we receive your application, and in the event that we require a Guarantee from the Director/s, we will send
Guarantee documents for completion. The loan cannot be opened until the Guarantee documents are
completed, signed and returned to us. For further information contact us at 13 15 20.

2000 (10/23) Page 32 of 33

Section D21 – Required Supporting Documents (mandatory) (continued)

2 years Trust full financials:

P&L and Balance sheet for preceding 2 years; or
If 2 years Trust full financials cannot be provided, please provide most recent financial statements
and/or current statement of position (e.g. MYOB internal accounts). Recent year financials should not be
more than 18 months old
If the requested Credit Limit will take the Trust’s total loan exposure to the Commonwealth Bank to be
greater than $500,000:
Certified photocopy of:
i) The full, stamped Trust deed establishing the Trust which shows: the Trust name, name/s of Trustee/s,
signature/s of trustee/s with witnesses’ signatures, date of execution, names of Beneficiary/s, name/s
of Settlor and settled sum.
ii) Any further deeds or documents varying the Trust (such as Supplemental Deeds/Deeds of Variation of
Amendment)
iii) Documents setting out the current Trustees and Unitholders/Beneficiaries (if not contained in the above)
Trust and one of the following supporting documents:
Applicants
• either a notice from the Australian Taxation Office, such as a notice of assessment, issued in the last
12 months
• or a Bank Statement from another financial institution from the last 12 months
• or a letter from the legal practitioner who prepared the trust deed confirming the legal practitioner
assisted in trust creation, that the trust has been established, full name of trust, full name of all trustees
and full name of the settlor of the trust (unless the material asset contribution to the trust by the settlor
at the time the trust is established is less than $10,000 or the settlor is deceased).
If you have no supporting documents please post an original certified copy of the Trust Deed.
Note: Trust Deed investigation fee will apply
The deed must be certified by a prescribed person other than a trustee for ID purposes3
Note: Beneficiaries’ or Trust Settlors’ personal financial details may be requested once the application is received
and the initial assessment has deemed that to be necessary. Additional details may be required from trustee
applicants where total loan facilities with the Commonwealth Bank will be greater than $500,000 (refer above).
For further information contact us at investmentlending@cba.com.au, or by calling us on 13 15 20.

1 Refer to the Identification Documentation Requirements available on our website that sets out the acceptable identification documentation and certification requirements.
2 If the account is not in the name of the borrower (e.g. Company name where the borrower is a director) please enter the borrower name or both.
3 Once the application has been received and assessed you may be required to provide supporting verification documentation.
4 Bank statements must show the name of the account holder.

Other Information
Applicants that are:
• refinancing an existing investment loan, or
• applying for a Regular Gearing Plan, or
• transferring financial products they already own as security for their Investment Loan
Should enclose the additional documents that are specified in the corresponding sections of the Application Form
Once we have received all documentation your application will be assessed within 3 business days.

Geared Investments Loans are issued by Commonwealth Bank of Australia (The Bank) ABN 48 123 123 124 AFSL and ACL 234945 and administered by its wholly
owned but non-guaranteed subsidiary Commonwealth Securities Limited (CommSec) ABN 60 067 254 399 AFSL 238814. CommSec is a market participant of the
ASX and Cboe Australia (Formerly Chi-X Australia), clearing participant of ASX Clear Pty Limited and settlement participant of ASX Settlement Pty Limited.

How to submit your documents

Please provide your completed and signed form with any relevant supporting documents via email or post:
gearedinvestments@cba.com.au
Geared Investments, Locked Bag 34, Australia Square NSW 1214

13 15 20 gearedinvestments@cba.com.au commbank.com.au/gearedinvestments

2000 (10/23) Page 33 of 33