Products & Services.

13 MAY 2021

CONSUMER LOANS

We’re committed to supporting your business growth.

We’re committed to supporting your business growth.

One of Australia’s most recognized Fintechs.

Why partner with Wisr?“Wisr’s Secured Vehicle product is fantastic, it’s one of the best deals out in the market. It provides my clients with excellent flexibility, age limit (15 years), and the rates are very competitive. The online application process is very easy and the documentation with the selfie ID is excellent. I will certainly be continuing to use this product – love it.”

– Luke, Asset Broker QLD

• A great deal for your client

• Same day turnaround on applications with all supporting documents

• BDM & Broker Support team

• Attractive incentives

• 100% online via Partner Portal

• Rate Estimate provided upfront before application is submitted, free

• Bank statement service, free

• Referral service also available

• Personal and secured vehicle loans up to $63,000 (excl. fees)

• Household exposure up to $100,000

• Personal loans for any worthwhile purpose, including Gap Finance, Medical, Legal fees & Tax Debts

• 3, 5 & 7 year terms

• Rates from 6.49% (7.22% Comparison Rate) unsecured & from 4.09% (4.80% Comparison Rate)* secured vehicle

• No admin, early repayment or “risk” fees

* Assumes the recommended rate, a Wisr LEF and no Broker Fee

Designed for brokers. Meet your clients’ needs.

PETER BEAUMONT DANIELLA MANCUSO NICOLE EVANS

CCO0459 355 742pbeaumont@wisr.com.au

NSW & National BDM0427 718 135d.mancuso@wisr.com.au

QLD BDM0419 547 623n.evans@wisr.com.au

BIANCA KHURANA BRAD FLETCHER ROZANNE TEDESCO

SA, NSW, ACT & NT BDM0427 502 921b.khurana@wisr.com.au

WA BDM0419 863 267b.fletcher@wisr.com.au

VIC & TAS BDM0427 207 298r.tedesco@wisr.com.au

NATALIE MCLEAN PAIGE ROBERTSON MUSTAFA GENC

VIC BDM0427 350 434n.mclean@wisr.com.au

QLD BDM0448 244 380p.robertson@wisr.com.au

BDA & Accreditations0412 482 042m.genc@wisr.com.au

NATHAN SNAIDERO

BDA & Accreditations0428 807 033n.snaidero@wisr.com.au

BDMS AND BROKER SUPPORT TEAM

A C C R E D I T A T I O N

contact@wisr.com.au

B R O K E R S U P P O R T H O T L I N E

1300 992 007 Send an email to get accredited, or reach out to your State BDM.

Our team is here to help.

Unsecured Product.SMARTER, FASTER, WISR PERSONAL LOANS

LOA N A M O U N T$5,000 - $63,000 (maximum $65k including all fees)

LOA N T E RM3, 5 and 7 year terms available

I N T E RE ST RAT EFixed Rates from 6.49% p.a. to 19.45% p.a. (60 months) subject to credit profile

C O M PA RIS O N RAT EFrom 7.22% to 20.29% (on $30,000, 60 months, $525 LEF)

LOA N E STA B L I S HM ENT F E ESubject to loan amount and Aggregator (see Fees and commission slide)

RE PAY M E NT F RE Q U E N C YMonthly with option to make weekly / fortnightly payments

RE F IN A N C EAllowed subject to submission of new application & approval

LOA N P U RP O S EAny worthwhile purpose including: Gap Finance, Medical, Tax debt, Business, New/Used Vehicle purchase, Debt Consolidation, Home furnishing, Travel, Wedding, Combinations and other

S E C U RIT YNot required. May be accepted to strengthen application. PPSR and caveats over property

L AT E PAY M E NT F E E SMay be charged if repayments are not made on time

A N N UA L F E E / E A RLY RE PAY M E NT F E E / E A RLY E X IT F E E / AC C O U N T K E E P ING F E ENil

Product.UNSECURED PERSONAL LOANS

Wisr’s maximum loan amounts (excl fees) and interest ratesare based on applicant’s comprehensive credit score as determined by Wisr’s enquiry with Equifax.

The higher of the two scores of eligible4 applicants are used for joint applications.

Wisr reserves the right to set the approved loan interest rate based on the overall assessment of the applicant’s credit profile.

1 Comparison rate(s) are based on $30,000 personal loan, fixed over 5 years, with monthly repayments including a $525 loan establishment fee2 Wisr may offer a further discount for approved broker introduced loans if acceptable security is provided.3 Interest rate is 50 basis points below the rate offered to non-introduced, direct applicants.4 Eligible applicants must be earning at least $30K p.a.

Rates and loan amounts.UNSECURED PERSONAL LOANS

C C R S c o r e 36 MONTH 2 60 MONTH 2 84 MONTH 2 C OMPARISON RATE 1

835+ 6.49%$63k

6.49%$63k

7.50%$63k 7.22%

730-834 8.95%$63k

9.45%$63k

9.95%$63k 10.20%

640-729 12.50%3

$60k12.95%3

$60k13.45%3

$45k 13.72%

540-639 14.95%3

$45k16.45%3

$45k16.95%3

$30k 17.25%

500-539 17.95%3

$30k19.45%3

$20k20.45%3

$15k 20.29%

Fees and commission*UNSECURED PERSONAL LOANS

BROKER FEEBrokers may add a Broker Fee to each loan application. The maximum allowable fee is $990. See table.

The applicant’s Amount of Credit will include the Broker Fee plus Wisr’s Loan Establishment Fee, which varies subject to Aggregator and loan amount.

COMMISSIONWisr may pay a commission to the Broker and Wisr may pay an additional commission to your Aggregator. Please consult your BDM or Aggregator for details.

PAYMENT AND CLAWBACKAll fees and commission are paid to the Aggregator unless otherwise agreed. Wisr may clawback 100% of commission if the loan is > than 90 days late within 6 months of settlement and 50% of commission within 12 months of settlement.

A M O U N T O F C R E D I T L E S S F E E S B R O K E R F E E ( M A X )

$35,000 - $63,000 $990

$20,000 - $34,999 $990

$10,000 - $19,999 $900

$7,500 - $9,999 $750

$5,000 - $7,499 $500

*Current at time of publication. Subject to change without notice at Wisr's sole discretion.

Secured Vehicle Loans.EVERYTHING YOU LOOK FOR IN A LENDING EXPERIENCE.

E L IG IB L E A S S E T SPassenger vehicles and light commercial

LOA N A M O U N T$5,000 - $63,000 (excluding fees). Can include 3rd party warranties, comp. insurance and/or dealer costs. CCI not allowed

LOA N T E RM3, 5 or 7 yr term (7 yr only for cars less than 4 yrs old at start of loan)

IN T E RE ST RAT EFixed rates from 4.09% p.a. subject to Equifax Comprehensive Credit score, residential status and asset age

C O M PA RIS O N RAT EFrom 4.80% (calculated on $30,000 over 60 months with $525 LEF)

LOA N E STA B L IS HM ENT F E ESubject to loan amount and Aggregator (see fees and commission slide)

RE PAY M E NT F RE Q U E N C YMonthly with option to make weekly / fortnightly payments

LOA N P U RP O S EPurchase of eligible assets (see above) from dealers or via private sale. Refinancing of existing secured loans is permitted

C RE D IT S C O RE C U T O F FEquifax Comprehensive Score must be above 500 at time of application

A S S E T C O N D IT I O N & IN S U RA N CERegistered, road-worthy, not reported stolen and not written-off. Comprehensive insurance with Wisr Finance P/L as interested party req.

R E F IN A N C E O F W IS R LOA NAllowed subject to submission of new application & approval

R E F IN A N C E SMinimum six months payment history -no arrears. Vehicle inspection required.

O D O M E T E RInformation may be required however no maximum limit

BA L LO O N sNot available at this time

A S S E T AG EMax 12 years at start of loan or 15 years at end of loan term

LV RMaximum 150%. Used values based on Glasses retail price & new on RRP. Cars 11 years or older at the end of loan limited to 130% LVR

IN T E RE ST RAT E LOA D IN G S7 year terms: +50 basis pointsLVR > 130%: +150 basis points

P P S R F E E$10

P RIVAT E S A L E F E E$50

A N N UA L F E E / E A RLY RE PAY M E NT F E E / AC C O U N T K E E P ING F E ENil

E XC LU S IO NSNo grey imports. No loans with “mixed purpose”

P RIVAT E S A L E V E RIF IC AT IO NAsset inspection and seller verification via Verimoto

Product.SECURED VEHICLE LOANS

Rates.SECURED VEHICLE LOANS

H O M E O W N E R ( I N C . I N V E S T O R ) – 3 & 5 Y E A R T E R M

1 Comparison rate(s) are based on $30,000 secured loan, 0 - 1 year old asset, fixed over 5 years, with monthly repayments including a $525 loan establishment fee2 Maximum LVR 130% for cars aged 11 years or over at the end of the loan term3 7 year loan term only available for cars less than four (4) years old at start of loan4 From Glasses Guide manufacture date

C C R S c o reAsset age at start of loan term

C o m p. Rat e 1

0 – 1 ye a r s 4 2 – 3 ye a r s 4 4 – 7 ye a r s 4 8 – 1 2 ye a r s 2,4

835+ 6.09% 6.34% 6.84% 7.34% 6.81%

730-834 6.59% 6.84% 7.84% 9.34% 7.32%

640-729 7.59% 7.84% 9.09% 10.84% 8.32%

540-639 9.59% 10.09% 11.59% 13.09% 10.34%

500-539 12.09% 12.84% 14.59% 15.59% 12.86%

*Wisr reserves the right to set the approved loan interest rate based on

the overall assessment of the applicant’s credit profile

Wisr’s recommended secured loan rates* are based on applicant’s Equifax comprehensive credit score, property ownership and vehicle age

Broker may be presented with either:- Dial down up to 2% or, - Set rates at 1% below the recommended rate.

Contact your BDM for details.

The higher of the two scores of eligible applicants are used for joint applications

Rate adjustments of + 50 bpts for 7 year3 loan term and +150 bpts for LVRs >130%2

Rates.SECURED VEHICLE LOANS

R E N T E R S , B O A R D E R S , L I V I N G W I T H PA R E N T S – 3 & 5 Y E A R T E R M

1 Comparison rate(s) are based on $30,000 secured loan, 0 - 1 year old asset, fixed over 5 years, with monthly repayments including a $525 loan establishment fee2 Maximum LVR 130% for cars aged 11 years or over at the end of the loan term3 7 year loan term only available for cars less than four (4) years old at start of loan4 From Glasses Guide manufacture date

C C R S c o reAsset age at start of loan term

C o m p. Rat e 1

0 – 1 ye a r s 4 2 – 3 ye a r s 4 4 – 7 ye a r s 4 8 – 1 2 ye a r s 2,4

835+ 6.79% 7.14% 7.39% 7.90% 7.52%

730-834 7.85% 8.21% 9.10% 10.31% 8.59%

640-729 9.00% 9.36% 10.41% 12.43% 9.74%

540-639 11.21% 11.86% 13.10% 14.46% 11.97%

500-539 14.01% 14.81% 15.92% 17.01% 14.79%

*Wisr reserves the right to set the approved loan interest rate based on

the overall assessment of the applicant’s credit profile

Wisr’s recommended secured loan rates* are based on applicant’s Equifax comprehensive credit score, property ownership and vehicle age

Broker may be presented with either:- Dial down up to 2% or, - Set rates at 1% below the recommended rate.

Contact your BDM for details.

The higher of the two scores of eligible applicants are used for joint applications

Rate adjustments of + 50 bpts for 7 year3 loan term and +150 bpts for LVRs >130%2

Fees & commission*SECURED VEHICLE LOANS

BROKER FEEBrokers may add a Broker Fee to each loan application. The maximum allowable fee is $990. See table.

The applicant’s Amount of Credit will include the Broker Fee plus Wisr’s Loan Establishment Fee, which varies subject to Aggregator and loan amount.

COMMISSIONUp to 4.0%* of the loan proceeds for loans written at the recommended interest rate. Brokers may, when dial down is allowed, reduce the interest rate in 25bpt increments for proportional reduction in commission. Maximum rate reduction allowed is 2%. Wisr may pay an additional commission to your Aggregator. Please consult your BDM or Aggregator for details.

PAYMENT & CLAWBACKAll fees and commission are paid to the Aggregator unless otherwise agreed. Wisr may clawback commission if the loan becomes late by >90 days or is repaid early within 12 months. Contact your BDM or Aggregator for details.

A M O U N T O F C R E D I T L E S S F E E S B R O K E R F E E ( M A X )

$35,000 - $63,000 $990

$20,000 - $34,999 $990

$10,000 - $19,999 $900

$7,500 - $9,999 $750

$5,000 - $7,499 $500

* 3% commission paid for all loans priced on CCR 835+ and for loans with 3 year term. Current at time of publication. Subject to change at Wisr's sole discretion.

Partner Portal.Personalised access

Free Rate estimate upfront

Gives you the tools you need to be confident of approval

Client eligibility.*

* This list is not exhaustive. Please see the updated Credit Policy Overview on the Partner Portal. Please contact your BDM to discuss exceptions

• An Australian citizen or permanent resident

• Must be over 18 years of age

• Must be receiving income of at least $30,000 gross p.a.

APPLICANT ELIGIBILITY

• No current or discharged bankrupts

• Credit bureau file age > 18 months for applicants aged 26 years & over

• No unpaid or paid defaults (telco or financial) > than $1,000 in last 3 years

• Credit bureau account repayment history (RHI) not to contain an “X” or “4” in last two years

CREDIT HISTORY

• Full time or part-time for > six (6) months in current or prior role

• Casual employment > nine (9) months

• Self employed persons required to provide two most recent ITRs & NOAs

EMPLOYMENT STATUS*

Wisr requires a minimum Net Servicing Ratio of 1.01 comparing available income and committed expenses. Please use the Serviceability Calculator provided on the Partner Portal.

SERVICEABILITY LOAN PURPOSE

The objectives and requirements of the loan are required as part of the application. Wisr may ask to pay controlled funds to a third party.

ACCOUNT CONDUCT

Wisr reviews the applicant’s primary bank account to assess each applicant’s account conduct with respect to direct debit dishonours, gambling and SAC behaviour.

CREDIT SCORE CUTOFF STABILITY OF EMPLOYMENT STABILITY OF RESIDENCE

Equifax comprehensive score must be >= 500. For Equifax comprehensive scores < 640 the Illion score must be >=450.

A history of stable employment, e.g. FT > 6 months in current or prior role, and evidence of regular income is required.

A history of stable residence, e.g. 6 months at current or prior address, is required.

* This list is not exhaustive. Please see the updated Credit Policy Overview on the Partner Portal

Credit parameters.*

AGE OF C REDIT F ILE PERSONAL LOAN PURPOSE LARGE LOAN AMOUNTS C ONSOLIDATE DEBTS

Brand new bureau files acceptable for applicants 18 - 25 years.File ages of 12-18 months are acceptable for older applicants if referenceable credit exists and is not currently in arrears (e.g. RHI=0)

Widest range in the industry – includes tax debt, surgery, legal costs, offshore medical and gap finance.Can switch from a secured loan to personal loan without a new application.

$63,000 (excl fees) for personal loans and secured vehicle loans. Up to $100,000 of Wisr loan exposure allowed per household.

No limit on the number of debts that can be consolidated.

JO INT LOANS TRANSPARENCY EMPLOYMENT STABIL ITY NEGATIVE GEARING

Joint loans are priced on the strongest credit score of the two applicants who meet the minimum income hurdle.

Brokers have visibility of our credit policy and are provided with the same servicing calculator as used by our credit officers.

We require FT or PT workers to have at least six months in prior or current role. i.e. new starters can borrow immediately.

Negative gearing on investment properties is built into servicing.

Credit niches.

Supporting documents.

IDENTITY VERIF IC ATION

Medicare card & one of:

• Drivers Licence

• Passport

SELF IE PHOTO

A “Selfie” photo of the applicant holding a valid photo identification:

• Driver’s License or

• Passport or

• 18+ Proof of Age Card issued by the State or Territory

BANK AC C OUNTS

Recent 90 days bank transaction list up to at least seven days prior to submission from primary account which receives income showing name of account holder, BSB and account number.Digital statements allow faster assessment

SEC URED

• Dealer invoice

• In-date payout letters on existing finance

• Verimoto for Private Sale

• Evidence of comprehensive insurance

PROOF OF ADDRESS

At least one document which shows current living address, excluding payslips:

• Bank statement

• Drivers licence

• Mortgage statement

• Rates notice

• Lease agreement

• Utility bill

INC OME VERIF IC ATION

• PAYG: Income is verified from bank statements. Otherwise, two most recent payslips

• Self employed: Two most recent personal ITRs and NOAs

• Partner income verification required for apportioning of living expenses, mortgage and/or rent

DEBT C ONSOL .

• Most recent loan or credit card statements showing name of account holder, BSB and account number and logo of bank/financial institution

• In-date payout letter for refinancing secured loans if security being taken

Visit the Partner Portal and use the resources provided to be confident of approval.

Use Serviceability Calculatorand identify if a Joint application may be required.

Check out our Credit Policy Overview and consult your BDM if in doubt.

Before the application. Review bank transaction list

and statements if possible. Identify any undisclosed liabilities or issues with account conduct.

Digital bank statements allow fastest assessment.

You may elect to have your clients provide digital statements via our Credit Sense service or illion’s.

Review.

Press “Start Application” and get a Rate Estimate!

If the loan repayment amount meets your client’s needs, proceed to the Application and complete.

At submission an automated Servicing Calculation is done for you - to help pick up data entry errors.

Please call your BDM or Broker Support for help.

Rate estimate & application.

Providing all supporting documents at submission ensures fastest turnaround.

Digital bank statements allow fastest assessment.

Loan applications meeting our Priority Assessment criteria are assessed fastest. See Broker Portal for details.

After the application.

Tips for fast turnaround time.

• We provide a Wisr weblink and co-branded lander which you can share with your customers. So simple.

• Clients receive a Rate Estimate, submit their application and we then handle them directly.

• You earn a referral fee per settlement.

Referral or ‘light touch”.

• Do you need expert help for a financial product Wisr can’t help with?

• Let us refer you to one our our Preferred Partner “B2B” specialist brokers who can assist you and your client.

Broker to Broker

Wisr’s referral and B2B services.

ABN 80 004 661 205

LEVEL 4, 55 HARRINGTON STREET

SYDNEY NSW 2000

1300 992 007