I/We have given authority to the Initial Money Team to arrange finance on my/our behalf I/We understand that the fees are charged based on the following services:

• Preparation of the application
• Loading the application with the lender
•  Administration inquiries

Interest rate negotiationsI/we give Initial Money permission to obtain information about me/us relating to personal, financial, and commercial from credit reporting agencies, lenders, my/our employers, accountants, relatives, or other people for the reasons stated above from any of these sources.I/We accept that the fees and commission for these services will be paid by the lender to Initial Money Ltd and that the Finance broker will receive a percentage of this as per the contractor with Initial Money.

I/We understand that if I/we choose to repay this loan early in full, early repayment fees will apply. The amount will be determined by my/our loan contract amount and terms which are set by the lender. If I/we are considering an early repayment option at any stage, I/we will contact my/our Finance broker to go over the applicable amounts and terms and what it will cost me/us to do so.I/We understand that if we do not disclose all information or new information comes to light that affects my/our ability to borrow that a loan offer may subsequently be withdrawn or declined due to non- disclosure. I/We will still be obligated to pay the fee for arranging the loan.I/we understand that the interest rate quoted in my/our Conditional Approval Email refers to my/our:

• Risk Weighting (How weak/strong my/our credit application was), and
• Lending Type (What I’m/we’re using the money for)