My OzMoney is part of the MoneyMe Financial Group Pty Ltd. MoneyMe Financial Group Pty Ltd (“MoneyMe”) trading as My OzMoney. ACN 163 691 236. Australian Credit Licence Number 442218.

We are required by law to provide you with a Credit Guide. The Credit Guide provides you information about My OzMoney and MoneyMe, our responsible lending obligations and our dispute resolution process.

Responsible Lending Obligations

As a credit licensee, we are not permitted by law to enter into an agreement with you which is unsuitable. To ensure we do not provide unsuitable credit, we will:

• make reasonable inquires about your financial situation, your requirement(s) and objective(s); and

• take reasonable steps to verify your financial situation.

Complaints and Disputes:

If you have a complaint or dispute with us, please first raise the issue with our internal dispute resolution procedure by contacting our Dispute Resolution Officer:

Telephone: 1300 55 59 11

Email: complaints@ozmoney.com.au

Address: Level 3, 131 Macquarie Street, Sydney NSW 2000

If you consider that does not resolve your complaint or dispute, you may contact our independent external dispute resolution scheme, Australian Financial Complaints Authority (AFCA). You can contact AFCA by:

Telephone: 1300 56 55 62

Email: info@afca.org.au

Address: GPO Box 3 Melbourne VIC 3001

Copy of Assessment

If you ask us for a copy of our assessment as to why we approved your contract we must give you a copy of it.

If you request it before entering into the agreement, we must provide it before the contract is entered into.

If you ask for it up to 2 years after the agreement is signed, we must give it to you within 7 business days. If you ask for it within 7 years of the agreement being signed, we must give it to you within 21 business days.