Reference Number: 4319140

COMMSEC MARGIN LOAN APPLICATION

YOU’RE ALMOST THERE! JUST A FEW MORE STEPS TO COMPLETE YOUR APPLICATION.

1. Before you start your 2. How to use this form? 3. Returning the form
application

Make sure you have your financial Complete this form electronically Ensure all applicants have signed
details ready to help you complete by entering your responses into the ‘Acknowledgment and
this form, this includes your the fields. Signature’ section of this form.
income, commitments, assets and
liabilities. All sections are mandatory, so Attach copies of your identification
don’t leave anything blank. and supporting financial
documentation (where appropriate).

Print, sign, scan and email

this form back to us at
marginloanapps@commsec.
com.au

Note: We do not accept

E-Signatures.

4. What happens after you send your application

Approval of your CommSec Margin Lending facility

• Please note that all applications are subject to our approval. Once received, your application will be assessed within 3-5 business days. CommSec
is committed to responsible lending practices and conducts an assessment process which includes assessment of the financial capacity of the
applicant for the limit requested and reporting body checking.
To enable us to do this, we ask you to provide the financial information and supporting documentation to verify the details you provide. If additional
information is required, we will be in touch with you.

• If you are new to CommSec, you will receive your Client ID via email - you can use this with the password you have provided to us to access
the website.
• Once your loan is opened, the new Margin Loan trading account will appear on your Portfolio Summary on the website.
You can then transfer your initial contribution of cash or securities and start using your loan.

Thank you for choosing CommSec Margin Lending. If you need help, please contact us on 13 17 09 between 8am and 6pm Sydney time, Monday to Friday.

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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

APPLICANT DETAILS 1

BORROWER

Given name ( s ) Middle name

SYLVIA GRETA
Surname

NEUMANN
Are you a Permanent Resident of Australia?

Yes No

Employment Status

Employed Self-Employed Retired Unemployed

Tax Residency Information

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 if no TIN is available, please select a reason code.
If you have listed Australia as a country of tax residency, please insert 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)

Please provide all country/ies of tax residency. Please provide either TIN or select Reason Code for no TIN for each Country of Tax Residency.
Reason code for no TIN
A. My country of tax residency does not issue TINs
B. I have not been issued with a TIN by its country of tax residency
C. My country of tax residency does not require disclosure of a TIN

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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

APPLICANT FINANCIAL DETAILS 2

CommSec requires this information to assess whether the limit you are applying for is not unsuitable. You will be required to provide supporting verification
documentation as described in the Financial Documentation Required section for the income and commitment values you enter below.

CREDIT LIMIT

How much would you like to borrow? (Minimum $20,000)

MANDATORY - MINIMUM $20,000

Your Limit is the maximum amount you wish to borrow through your Margin Loan facility. You are not obliged to borrow up to your maximum amount.
*Your Loan Limit is subject to our standard credit assessment criteria. We may offer to provide you with a credit limit that is below the level you ask for.

HOUSEHOLD INFORMATION

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. For example, 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

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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

APPLICANT FINANCIAL DETAILS (CONTINUED) 2

INCOME AND COMMITMENTS

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

Annual gross income

*We will require supporting documentation to confirm your income details. Borrower 1

*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) $

*Annual gross other income details

Total annual gross income $ 0

Monthly commitments
*We will require supporting documentation to confirm your commitments.

*Monthly mortgage payments (primary residence) $

*Monthly rental payments $
*Monthly mortgage payments (investment properties) $
*Monthly lease / personal / car loan payments $
Monthly credit / store cards payments (declare all limits and drawn down balances
used and unused on your credit cards) $
Monthly living expenses (e.g. food, clothing, education, utilities etc, excluding any
commitments that are separately provided) $
*Other monthly commitments (please provide details below) $
*Other monthly commitment details (e.g. may include
hecs/help payments, court ruled child maintenance payments etc)

Total monthly commitments $ 0

If you are an individual borrower:
• Are there any other people not listed in this application who are responsible for
Yes No
any of the commitments you have listed?
• Are those people employed? Yes No

• Are these people able to service (afford) the commitments? Yes No

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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

APPLICANT FINANCIAL DETAILS (CONTINUED) 2

STATEMENT OF FINANCIAL POSITION

Assets
*We will require supporting documentation to confirm your asset details. Value

Property (primary residence) $

Property (investment properties) $
*Cash $
*Investments (shares & managed funds) $
Other investments / assets (must be detailed below in order to be considered) $
Other investment/ assets details

Total assets $ 0
Liabilities Limit1 Balance Remaining term2

Number of mortgages (primary residence)

Mortgage (primary residence) 1 $ $ MM/YY

Mortgage (primary residence) 2 $ $ MM/YY

Total mortgage (primary residence) $ 0 $ 0

Number of mortgages (investment property)

Mortgage (investment property) 1 $ $ MM/YY

Mortgage (investment property) 2 $ $ MM/YY

Mortgage (investment property) 3 $ $ MM/YY

Total mortgage (investment property) $ 0 $ 0

Mortgage details 3

Lease / personal / car loans (balance) $ MM/YY

Credit / store cards

(combined limit of all cards in use or not) $
Other liabilities (please provide details below) $ $ MM/YY

Other liabilities details

Total liabilities $ 0
1
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.
2
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.
3
If any other non-borrower/applicants are contributing to the servicing of the mortgages listed above please provide details.

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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

FINANCIAL DOCUMENTATION REQUIRED 3

CommSec is committed to responsible lending practices and conducts a financial assessment on all applicants. You will need to provide us
documentation that supports the information you have entered in the Financial Details secction of this form.

Please select one of the following:

Option A

ALL my accounts are with CommBank

You don’t need to provide anything else right now, just leave it with us.

Option B

SOME of my accounts are with CommBank and SOME are with another Financial Institution/s (please refer below).

Option C

ALL of my accounts are with another Financial Institution/s (please refer below).

Documentation required if you selected Options B or C:

In order for us to complete our assessment we need to confirm your Income, Savings, Loan/Card Repayments and Other Commitments (as you
have entered in the Financial Details section of this form).

• You can do this by providing us with your last 3 months of Bank Statements (you may need to provide multiple account statements if you have
more than one Bank Account).
• If your Bank Statements do not show what you have declared in the Financial Details section or you would prefer, you can provide us other
documentation, for example Payslips (we will need to see at least 2 recent payslips), Home Investment Documents/Statements and Credit Card
Statements, which clearly supports this.
• For investments such as Term Deposits, Share Holdings and/or Managed Funds, provide your most recent statement/s.
• It is important that all of your statements and documentation are less than 60 days old and clearly show your name, account numbers,
account balances and include transaction history.

Self-employed

If you are a Sole Trader you will need to provide:

• Personal tax returns for last 2 years

If your main source of income is through a Partnership/Company/Trust you will need to provide:
• Personal tax returns for last 2 years; AND
• 2 years full company financials (i.e. P&L and Balance Sheet)

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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

PAYMENT DETAILS 4

INTEREST PAYMENT DETAILS

Please select how you would like to pay for your monthly interest?

I would like to use my nominated bank account below (Don’t forget to complete the Direct Debit/Credit request below).

Add the interest to the Loan balance.

If you do not make a selection, interest will be added to the Loan.

DIRECT DEBIT / CREDIT REQUEST

To deposit funds to your Loan Account (e.g. payments of interest) we can arrange a Direct Debit from your Bank Account. By completing this Direct
Debit/Direct Credit Request you are authorising Commonwealth Securities Limited to both direct debit and direct credit your account.

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

The Bank account MUST be in the same name as the applicant details provided in this application.

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

FIXED INTEREST RATE OPTION

Once your Margin Loan is active you can choose to fix the interest rate on all or part of your loan via the CommSec website.

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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

ACKNOWLEDGEMENT & SIGNATURES – INDIVIDUAL BORROWERS 5

By signing this application I acknowledge that:

1. All information I have given in this application is true and correct, and not 10. If you approve and accept the Borrower’s application for a CommSec Margin
misleading in any way; and Loan then I will automatically be legally bound by the Terms and Conditions of the
2. I have read and accept the CommSec Margin Loan Terms and Conditions CommSec Margin Loan applicable to me. No drawings will be allowed, and you
and CommSec Trading Terms and Conditions; and may avoid the contract, unless your security requirements are satisfied; and
3. The Commonwealth Bank’s Group Privacy Statement contains more information 11. I have read the CommSec Financial Services Guide (FSG); and
about how the Group (including the Bank and CommSec) collects and 12. I have read the CommSec Margin Lending Risk Disclosure Statement; and
handles personal information and is available at commbank.com.au/privacy or 13. I acknowledge that the name of individual person(s) given to the Commonwealth
alternatively by visiting commbank.com.au and clicking the Privacy Statement Bank of Australia are true and correct and that the law prohibits the use of false
link or asking for a copy at any CommBank branch. names, as well as the giving or use of a false documentation in connection with
4. I have sought my own independent legal and financial advice in relation to an identification procedure; and
my obligations under the CommSec Margin Loan; and 14. I have obtained the consent of any individual(s) whose personal information is
5. If I give you my contact details, you can use these to communicate with me, provided in this application and they have given you permission to collect, use
including to give updates, reminders and marketing information; and and share their information in accordance with Group Privacy Policy; and
6. I understand that if I don’t want to receive any direct marketing messages or 15. If I am an individual Trustee of a Trust where there is more than one Trustee, I
want to change my contact preferences, I can call you on 13 2221 or can log on nominate the person listed as ‘Applicant 1’ in this application to receive margin
to NetBank and click Message Preferences if I am a NetBank customer; and call notices on my behalf; and
7. If I change my personal details (for example, my phone number or home or 16. I have read the CommSec Margin Loan Product Disclosure Statement (PDS).
email address), I will let you know as soon as possible; and 17. I acknowledge that neither CommSec, the Bank nor the Financial Institution are
8. If I give you personal information about another person, I have their required to check the correctness of the details of the Bank Account Provided under
permission, and I will tell them what’s in this document; and the “Direct Debit / Direct Credit Request” section of this application form. I authorise
9. All the permissions I have given apply to this application and any others and request Commonwealth Securities (APCA User ID No 019108 - Debit and
I or my organisation make, as long as you are providing me or them with 069346 - Credit) as agent for Commonwealth Bank of Australia to arrange for funds
services. If I am representing a number of applicants or officeholders, they to be debited from your specified account. This authorisation is to remain in force
have asked me to give permission on their behalf; and in accordance with the terms described in the Direct Debit/Direct Credit Request
Service Agreement section of the CommSec Margin Loan Terms and Conditions.

CommSec Margin Loan is issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. This product is administered by Commonwealth Securities
Limited ABN 60 067 254 399 AFSL 238814 (CommSec), a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia. CommSec is a
Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty
Limited.

Applications for CommSec Margin Loans are subject to approval. Fees and charges apply.
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APPLICANT APPLICANT FINANCIAL PAYMENT ACKNOWLEDGEMENT
DETAILS FINANCIAL DETAILS DOCUMENTATION REQUIRED DETAILS & SIGNATURES

ACKNOWLEDGEMENTS – YOU MUST COMPLETE THIS SECTION

1. Borrowing to invest 4. Margin Lending Risks:

• Have you borrowed any money to provide loan collateral for this Are you aware that:
margin loan? •  argin lending risks include, but are not limited to, movements in
M
Yes No the Market Value of the Financial Products securing the Loan and
Interest Rate movements.
• If yes, is any of that money secured against your primary residential • At any time, at our discretion, we may change the Lending Value
property? applying to any of the Financial Products securing the Loan (even
Yes No to zero), possibly triggering a Margin Call
I understand & accept
- If yes, what is the amount borrowed against the primary residential
property?
5. Margin Calls:
$ MANDATORY Are you aware that:
• We will take reasonable steps to contact you in the event of a
2. Reliability of income: Margin Call by phone call, SMS alert or e-mail
• Do you have a reliable and stable source of income? • The Financial Products securing your Loan may need to be sold
to clear the Margin Call without reference to you
Yes No
• If the gearing level on your Loan exceeds the Maximum Gearing
3. Your responsibilities: Ratio (at any given time) a Margin Call will be triggered

Are you aware that: I understand & accept

• You are responsible for managing and regularly monitoring your

margin loan (in conjunction with your Adviser if applicable) Print Full Name
• 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
MANDATORY
MS SYLVIA GRETA NEUMANN
to cover any Margin Call that occurs at short notice, otherwise we Signature (No e-signatures accepted)
may be required to sell all or some of the Financial Products securing
your Loan ✗ MANDATORY
• You are personally liable for all amounts outstanding on your Loan
irrespective of the Financial Products held Date

I understand & accept DD/MM/YYYY

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