1. Acknowledgement about collection, use and disclosure of personal information by
I/We, being natural persons to whom the Privacy Act and the National Privacy Principles apply, hereby acknowledge and agree-
a) that NUBANC (and/or its related companies as named below) will collect, record and store personal information that identifies me/us or from which my/our identity can be resonably ascertained ("personal information") in order from time to time-
i) to assess finance applications submitted by the above-named Applicant/Customer ("finance applications"); and
ii) to manage credit facilities provided to the above-named Applicant/Customer ("credit facilities"), including (but not limited to) the recovery of money owing, the administration of insurance claims, the maintenance of securities and/or the maintenance of goods; and
iii) to establish my/our address or whereabouts if correspondence or notices sent to me/us have not been
deliverable; and
iv) to identify and send to me/us information about other products or services that it is considered will be of interest to me/us but on the understanding the I/we may at any time stop the happening by contacting
NUBANC by mail, fax or e-mail at the above address.

b) that personal information collected may include sensitive information about my health where, in the opinion of NUBANC, that has a bearing on my capacity to meet my obligations (actual or proposed);
c) that personal information my be obtained from third parties including credit reporting agencies, other credit providers, trade suppliers and public records including (but not limited to) electoral rolls, land title registers, registers of births deaths and marriages, registers of drivers' licences (or other statutory or professional licences), motor vehicle registers business names' registers, bancruptcy records, court judgements, telephone numbers and tenancy records.
d) that without personal information being collected, NUBANC will be unable to assess finance applications or manage credit facilities that relate to the above-named Applicant/Customer;
e) that, except in limited circumstances, I/we can obtain details of the personal information NUBANC holds about me/us by sending a request to NUBANC at the above addresses by mail, fax or e-mail;
f) that subject to the provisions of the Privacy Act, some of the personal information collected by NUBANC may be disclosed to parties outside of NUBANC (and its related companies), but only so NUBANC can obtain securitised funding for its business, process credit applications from the Applicant/Customer. Diclosure to the outside parties may also be made if it is required or authoriesed by law. The types of organisations to whom information might be disclosed to include (but are not limited to)-
i) credit reporting agencies;
ii) other credit providers including securitised lenders to NUBANC;
iii) a solicitor, accountant or broker nominated in section 4 below;
iv) suppliers and/or repairers of the goods or security which are the subject of a credit facility;
v) insurers, insurance brokers, insurance assessors or insurance investigators;
vi) trade, commercial and/or mercantile agents and auctioneers;
vii) auditors, solicitors, valuers, engineers, quantity surveyors or other professional consultants engaged to act for or to advise NUBANC in connection with a credit application or credit application or credit tactility relating to the Application/Customer;
viii) insolvency practitioners such as Administrators, Receivers and Liquidators, if there is default an regard to a credit facility provided to the Applicant/Customer;
ix) auditors appointed to examine the records of NUBANC;
x) the Australian Taxation Office and the Australian Securities & Investments Commission; and
xi) Roads & Traffic Authorities, Vehicle Registration Authorities and/or Motor Clubs.
2. Authority from the Applicant/Customer who is a natural person for NUBANC to Perform Certain Actions.
I/We, the Applicant/Customer, acknowledge and agree-
a) that it is considered relevant in assessing my/our application for personal finance, NUBANC or its agent may obtain a report about my/our commercial activities or commercial activities or commercial credit worhtiness from a business which provides information about the commercial credit worhtiness of persons;
b) that if it is considered relevant in assessing my/our application for commercial finance, NUBANC may obtain from a credit reporting agency a credit report containing personal credit information about me/us.
c) that if it is considered relevant to collecting overdue payments in respect of commercial finance provided to me/us.
d) that NUBANC may give to and seek from any other credit providers named in the accompanying finance application and any credit providers that may be named in a personal or commercial credit report issued issued by a credit reporting agency or a commercial credit reporting agency respectively, information about my/our personal or commercial credit arrangements. I/We understand that this information can include any information about my/our credit worhtiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act.
e) that NUBANC may give to any guarantor or proposed guarantor any personal credit information or records that has/have a bearing on my/our credit worhtiness, credit standing, credit history or credit capacity in connection with my/our personal credit facilities.
f) that NUBANC may give to any guarantor of my/our personal credit facilities under a contract of guarantee or security entered into before the date of this authority, any personal credit information that is relevant to the amount or possible amount of the guarantor's liability under the contract of guarantee or security.
g) that NUBANC may provide information about the amount outstanding on the credit facility to any person nominated in Section 4 below, to any company related to NUBANC, or to an insurer handling an insurance claim relating to goods which are the subject of the credit facility or to property held as security for the credit facility.
h) that NUBANC (or any of its related companies) may use the information it had collected or will collect in connection with the credit facility for recovering any amounts owed by me/us to NUBANC or a related company on any other account as well as any amount which NUBANC or a related company is recovering as the agent of another party.
3. Authority from Director/s of the Applicant and/or Guarantor/s or proposed Guarantor/s for NUBANC to Perform Certain Actions.
I/We, Director/s of the Applicant and/or Guarantor/s or proposed Guarantor/s, acknowlegde and agree-
a) that, if it is considered relevant in assessing the applucation for the credit facility or collecting overdue payments in respect of the credit facility, NUBANC may obtain from a credit reporting agency a credit report containing personal credit information about me/us.
b) that NUBANC may give to and seek from any other credit providers named in the application for the credit facility and any credit providers that may be named in a personal or commercial credit report issued by a credit reporting agency or a commercial credit reporting agency respectively, information about my/our personal or commercial credit arrangement. I/We understand that this information can include any information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act.
c) that NUBANC (or any of its related companies) may use the information it has collected or will collect in connection with the credit facility for recovering any amounts owed by me/us to NUBANC or a related company on any account as well as any amount which NUBANC or any related company is recovering as the agent of another party.