FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES We're also a well-established global credit provider with specialist experience in our core disciplines of consumer lending and Asset Servicing across the residential and commercial property sectors. Our offices span Australia, New Zealand, Asia and Europe – including Ireland, UK, Spain and South Korea. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Home Loan Customer Portal. Keep track of your finances by logging in to your online portal. To get started, select a login option below based on your loan ID: Please select your login option 7 digit access number – Pepper Finance funded loans 8 digit customer

number –

PEPPER MONEY ANNOUNCES IPO Pepper Money announces IPO. Posted 07-05-2021. Initial Public Offering ( IPO) to raise $500.1 million. Pepper Money will have a market capitalisation of approximately A$1.3 billion 1 on listing. Expected listing on ASX and trading of Shares initially on a conditional and PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER PRODUCT SELECTOR Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. The bureau score can be manually entered if available, or if not available, will be automatically obtained by the tool via an

access

EQUIPMENT & ASSET FINANCE Make an enquiry today and a Lending Specialist will contact you within 24-48 hours (Mon-Fri) to chat about your asset finance options. Alternatively, to speak to someone straight away call us now on 13 73 77. All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and

charges apply.

BROKER LOGIN

Welcome to the Broker Portal - your gateway to business growth. User ID. User ID must be entered. Password. Password must be entered. Forgotten password? Not an LOW DOC HOME LOAN PLANS A low-documentation (or Low Doc) home loan is a mortgage that can be taken out using less documentation than what is required for a full-documentation mortgage. In the past, a Low Doc home loan demanded significantly less paperwork, as well as

LOGIN PAGE

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES We're also a well-established global credit provider with specialist experience in our core disciplines of consumer lending and Asset Servicing across the residential and commercial property sectors. Our offices span Australia, New Zealand, Asia and Europe – including Ireland, UK, Spain and South Korea. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Home Loan Customer Portal. Keep track of your finances by logging in to your online portal. To get started, select a login option below based on your loan ID: Please select your login option 7 digit access number – Pepper Finance funded loans 8 digit customer

number –

PEPPER MONEY ANNOUNCES IPO Pepper Money announces IPO. Posted 07-05-2021. Initial Public Offering ( IPO) to raise $500.1 million. Pepper Money will have a market capitalisation of approximately A$1.3 billion 1 on listing. Expected listing on ASX and trading of Shares initially on a conditional and PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER PRODUCT SELECTOR Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. The bureau score can be manually entered if available, or if not available, will be automatically obtained by the tool via an

access

EQUIPMENT & ASSET FINANCE Make an enquiry today and a Lending Specialist will contact you within 24-48 hours (Mon-Fri) to chat about your asset finance options. Alternatively, to speak to someone straight away call us now on 13 73 77. All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and

charges apply.

BROKER LOGIN

Welcome to the Broker Portal - your gateway to business growth. User ID. User ID must be entered. Password. Password must be entered. Forgotten password? Not an LOW DOC HOME LOAN PLANS A low-documentation (or Low Doc) home loan is a mortgage that can be taken out using less documentation than what is required for a full-documentation mortgage. In the past, a Low Doc home loan demanded significantly less paperwork, as well as

LOGIN PAGE

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received PEPPER MONEY HOME LOAN ESTATEMENTS At this stage our focus is on transitioning our mortgage customers to e-Statements. Personal loans and car loans will follow in the future. To request a statement, simply call our friendly Customer Service team on 1300 650 931, Monday to Friday from 8:00am to 6:00pm AEST.

AROUND THE WORLD

Unique, diversified, global financial services. We have offices in New Zealand, Ireland, Spain, the UK and South Korea. 15 years into our journey, we are a much bigger company but our values and philosophy have not changed. We have been successful in growing into these diverse markets because we deliver one common solution: locally

developed

BROKER LOGIN

All applications are subject to the credit provider’s credit assessment and loan eligibility criteria. Terms, conditions, fees and

charges apply.

LEADERSHIP TEAM

The Directors of Pepper Money Limited bring to the Board a broad range of relevant experience and skills across a variety of industries including consumer lending, specialist lending, insurance, law, investment banking and mortgage broking. Michael Culhane and Mario Rehayem’s in depth knowledge of the Pepper Money business through

their

LOW DOC HOME LOAN PLANS A low-documentation (or Low Doc) home loan is a mortgage that can be taken out using less documentation than what is required for a full-documentation mortgage. In the past, a Low Doc home loan demanded significantly less paperwork, as well as PEPPER LOAN DISCHARGE PROCESS Discharge process. To discharge your home loan with Pepper you will first need to complete and sign a Discharge Authority Form and return it to Pepper via fax, email or post. You can request this form by calling Customer Service on 1300 650 931. Once the discharge authority form has been completed and submitted, we require a minimum of 10

TESLA - PEPPER

All applications are subject to credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd ACN 165 183 317 Australian credit licence 458899 Australian credit licence 458899

AARON MILBURN

Aaron Milburn General Manager, Mortgages and Commercial Lending. Aaron has responsibility for the strategic direction and operating performance across the product, credit, settlements, and sales functions (Mortgages), and also acts as Pepper’s Country Head in New

Zealand.

UNDERSTANDING HOME LOAN RISK FEES A risk fee is a one-off, extra fee payable by you as a borrower if you have less than a 20% deposit saved. Some Lenders may use this to either offset the risk associated with loans of a higher Loan to Value Ratio (LVR) - generally more than 80% of the property value - or to protect the Lender from a possible financial loss if you’re unable

to

ACCOUNT FACT SHEET

HL-R-AFS-JUL18 v1.2 Inoaton coect a at 0101 an uect to chane Othe te conton ee an chae a a ee ou te ACN 1 of 3 09 1 Autaan Cet cence Nue the ece o oan ae ee Fnance Cooaton t ACN 09 1 7. UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES As Australia's number 1 alternative lender, we live our mission: to help you succeed. We provide a variety of home loan solutions, including some the banks won’t - we also provide car loans, personal loans, loans for professional equipment, and commercial loans. FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Existing Pepper Money customers. Keep track of your finances by logging in to your online portal. Select your login option based on your loan ID to get started. PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY ANNOUNCES IPO Initial Public Offering (IPO) to raise $500.1 millionPepper Money will have a market capitalisation of approximately A$1.3 billion 1 on listing; Expected listing on ASX and trading of Shares initially on a conditional and deferred settlement basis on Tuesday 25 May 2021 2; Pepper Money Limited (Pepper Money or the Company) today announced that it has lodged with the Australian Securities and PEPPER MONEY HOME LOAN ESTATEMENTS The benefits of switching to digital statements with Pepper Money. We want to make it easier for you to receive your statements and other correspondence via email and SMS, rather than by post. PEPPER PRODUCT SELECTOR How does Pepper Product Selector work? Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. EQUIPMENT & ASSET FINANCE If you’re looking for a flexible range of asset finance solutions so you can invest in new equipment or upgrade your business assets you’ve come to the right place; for cars, commercial vehicles, heavy machinery or office equipment, we offer a wide range of options that

can help.

PEPPER LOAN DISCHARGE PROCESS If you are considering discharging from a Pepper home loan, please speak to our friendly Customer Service team on 1300 650 931. We will work with you to understand your situation and help deliver a solution that’s right for you.

LOGIN PAGE

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES As Australia's number 1 alternative lender, we live our mission: to help you succeed. We provide a variety of home loan solutions, including some the banks won’t - we also provide car loans, personal loans, loans for professional equipment, and commercial loans. FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Existing Pepper Money customers. Keep track of your finances by logging in to your online portal. Select your login option based on your loan ID to get started. PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY ANNOUNCES IPO Initial Public Offering (IPO) to raise $500.1 millionPepper Money will have a market capitalisation of approximately A$1.3 billion 1 on listing; Expected listing on ASX and trading of Shares initially on a conditional and deferred settlement basis on Tuesday 25 May 2021 2; Pepper Money Limited (Pepper Money or the Company) today announced that it has lodged with the Australian Securities and PEPPER MONEY HOME LOAN ESTATEMENTS The benefits of switching to digital statements with Pepper Money. We want to make it easier for you to receive your statements and other correspondence via email and SMS, rather than by post. PEPPER PRODUCT SELECTOR How does Pepper Product Selector work? Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. EQUIPMENT & ASSET FINANCE If you’re looking for a flexible range of asset finance solutions so you can invest in new equipment or upgrade your business assets you’ve come to the right place; for cars, commercial vehicles, heavy machinery or office equipment, we offer a wide range of options that

can help.

PEPPER LOAN DISCHARGE PROCESS If you are considering discharging from a Pepper home loan, please speak to our friendly Customer Service team on 1300 650 931. We will work with you to understand your situation and help deliver a solution that’s right for you.

LOGIN PAGE

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received PEPPER MONEY HOME LOAN ESTATEMENTS The benefits of switching to digital statements with Pepper Money. We want to make it easier for you to receive your statements and other correspondence via email and SMS, rather than by post.

AROUND THE WORLD

We have offices in New Zealand, Ireland, Spain, the UK and South Korea. 15 years into our journey, we are a much bigger company but our values and philosophy have not changed.

BROKER LOGIN

All applications are subject to the credit provider’s credit assessment and loan eligibility criteria. Terms, conditions, fees and

charges apply.

LEADERSHIP TEAM

Board of Directors. The Directors of Pepper Money Limited bring to the Board a broad range of relevant experience and skills across a variety of industries including consumer lending, specialist lending, insurance, law, investment banking and mortgage broking.

LOGIN - PEPPER

Are you a Pepper Bond Investor but don't have an account yet? JOIN US - CAREERS AT PEPPER One of our key objectives is to be an ‘Employer of Choice’ by making every person’s time with us a really rewarding experience. Part of what makes that possible is a culture that is driven by living our core values: Can Do, Balanced and Real.

TESLA - PEPPER

All applications are subject to credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd ACN 165 183 317 Australian credit licence 458899 Australian credit licence 458899 LOW DOC HOME LOAN PLANS A low doc home loan: Is it right for you? If you’re a small business owner or self-employed and don’t have the required documents for a standard home loan application then a home loan that requires less documentation may be what you need. PEPPER LOAN DISCHARGE PROCESS If you are considering discharging from a Pepper home loan, please speak to our friendly Customer Service team on 1300 650 931. We will work with you to understand your situation and help deliver a solution that’s right for you.

ACCOUNT FACT SHEET

HL-R-AFS-JUL18 v1.2 Inoaton coect a at 0101 an uect to chane Othe te conton ee an chae a a ee ou te ACN 1 of 3 09 1 Autaan Cet cence Nue the ece o oan ae ee Fnance Cooaton t ACN 09 1 7. FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES We're also a well-established global credit provider with specialist experience in our core disciplines of consumer lending and Asset Servicing across the residential and commercial property sectors. Our offices span Australia, New Zealand, Asia and Europe – including Ireland, UK, Spain and South Korea. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Home Loan Customer Portal. Keep track of your finances by logging in to your online portal. To get started, select a login option below based on your loan ID: Please select your login option 7 digit access number – Pepper Finance funded loans 8 digit customer

number –

PEPPER PRODUCT SELECTOR Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. The bureau score can be manually entered if available, or if not available, will be automatically obtained by the tool via an

access

PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY HOME LOAN ESTATEMENTS At this stage our focus is on transitioning our mortgage customers to e-Statements. Personal loans and car loans will follow in the future. To request a statement, simply call our friendly Customer Service team on 1300 650 931, Monday to Friday from 8:00am to 6:00pm AEST.

BROKER LOGIN

Welcome to the Broker Portal - your gateway to business growth. User ID. User ID must be entered. Password. Password must be entered. Forgotten password? Not an

LOGIN PAGE - PEPPER

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received PEPPER LOAN DISCHARGE PROCESS Discharge process. To discharge your home loan with Pepper you will first need to complete and sign a Discharge Authority Form and return it to Pepper via fax, email or post. You can request this form by calling Customer Service on 1300 650 931. Once the discharge authority form has been completed and submitted, we require a minimum of 10

ACCOUNT FACT SHEET

HL-R-AFS-JUL18 v1.2 Inoaton coect a at 0101 an uect to chane Othe te conton ee an chae a a ee ou te ACN 1 of 3 09 1 Autaan Cet cence Nue the ece o oan ae ee Fnance Cooaton t ACN 09 1 7. FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES We're also a well-established global credit provider with specialist experience in our core disciplines of consumer lending and Asset Servicing across the residential and commercial property sectors. Our offices span Australia, New Zealand, Asia and Europe – including Ireland, UK, Spain and South Korea. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Home Loan Customer Portal. Keep track of your finances by logging in to your online portal. To get started, select a login option below based on your loan ID: Please select your login option 7 digit access number – Pepper Finance funded loans 8 digit customer

number –

PEPPER PRODUCT SELECTOR Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. The bureau score can be manually entered if available, or if not available, will be automatically obtained by the tool via an

access

PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY HOME LOAN ESTATEMENTS At this stage our focus is on transitioning our mortgage customers to e-Statements. Personal loans and car loans will follow in the future. To request a statement, simply call our friendly Customer Service team on 1300 650 931, Monday to Friday from 8:00am to 6:00pm AEST.

BROKER LOGIN

Welcome to the Broker Portal - your gateway to business growth. User ID. User ID must be entered. Password. Password must be entered. Forgotten password? Not an

LOGIN PAGE - PEPPER

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received PEPPER LOAN DISCHARGE PROCESS Discharge process. To discharge your home loan with Pepper you will first need to complete and sign a Discharge Authority Form and return it to Pepper via fax, email or post. You can request this form by calling Customer Service on 1300 650 931. Once the discharge authority form has been completed and submitted, we require a minimum of 10

ACCOUNT FACT SHEET

HL-R-AFS-JUL18 v1.2 Inoaton coect a at 0101 an uect to chane Othe te conton ee an chae a a ee ou te ACN 1 of 3 09 1 Autaan Cet cence Nue the ece o oan ae ee Fnance Cooaton t ACN 09 1 7. PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY ANNOUNCES IPO Pepper Money announces IPO. Posted 07-05-2021. Initial Public Offering ( IPO) to raise $500.1 million. Pepper Money will have a market capitalisation of approximately A$1.3 billion 1 on listing. Expected listing on ASX and trading of Shares initially on a conditional and

AROUND THE WORLD

Unique, diversified, global financial services. We have offices in New Zealand, Ireland, Spain, the UK and South Korea. 15 years into our journey, we are a much bigger company but our values and philosophy have not changed. We have been successful in growing into these diverse markets because we deliver one common solution: locally

developed

EQUIPMENT & ASSET FINANCE Make an enquiry today and a Lending Specialist will contact you within 24-48 hours (Mon-Fri) to chat about your asset finance options. Alternatively, to speak to someone straight away call us now on 13 73 77. All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and

charges apply.

TESLA - PEPPER

All applications are subject to credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd ACN 165 183 317 Australian credit licence 458899 Australian credit licence 458899 HOME LOANS FOR SELF EMPLOYED BORROWERS Flexible Home Loan Solutions for Self Employed Borrowers. The way we work here in Australia has really changed over the last 20 years. More people are working for themselves, doing more than one job or working different sorts of hours. 1 Real working life in Australia is pretty varied. 17% of Aussies are self-employed, with around 1 million being independent contractors. LOW DOC HOME LOAN PLANS A low-documentation (or Low Doc) home loan is a mortgage that can be taken out using less documentation than what is required for a full-documentation mortgage. In the past, a Low Doc home loan demanded significantly less paperwork, as well as STATEMENT OF FINANCIAL POSITION Completing a Statement of Financial Position form can help you understand your financial position and how much you can afford to pay

towards your debts.

AARON MILBURN

Aaron Milburn General Manager, Mortgages and Commercial Lending. Aaron has responsibility for the strategic direction and operating performance across the product, credit, settlements, and sales functions (Mortgages), and also acts as Pepper’s Country Head in New

Zealand.

UNDERSTANDING HOME LOAN RISK FEES A risk fee is a one-off, extra fee payable by you as a borrower if you have less than a 20% deposit saved. Some Lenders may use this to either offset the risk associated with loans of a higher Loan to Value Ratio (LVR) - generally more than 80% of the property value - or to protect the Lender from a possible financial loss if you’re unable

to

FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES We're also a well-established global credit provider with specialist experience in our core disciplines of consumer lending and Asset Servicing across the residential and commercial property sectors. Our offices span Australia, New Zealand, Asia and Europe – including Ireland, UK, Spain and South Korea. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Home Loan Customer Portal. Keep track of your finances by logging in to your online portal. To get started, select a login option below based on your loan ID: Please select your login option 7 digit access number – Pepper Finance funded loans 8 digit customer

number –

PEPPER PRODUCT SELECTOR Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. The bureau score can be manually entered if available, or if not available, will be automatically obtained by the tool via an

access

PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY HOME LOAN ESTATEMENTS At this stage our focus is on transitioning our mortgage customers to e-Statements. Personal loans and car loans will follow in the future. To request a statement, simply call our friendly Customer Service team on 1300 650 931, Monday to Friday from 8:00am to 6:00pm AEST.

BROKER LOGIN

Welcome to the Broker Portal - your gateway to business growth. User ID. User ID must be entered. Password. Password must be entered. Forgotten password? Not an

LOGIN PAGE - PEPPER

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received PEPPER LOAN DISCHARGE PROCESS Discharge process. To discharge your home loan with Pepper you will first need to complete and sign a Discharge Authority Form and return it to Pepper via fax, email or post. You can request this form by calling Customer Service on 1300 650 931. Once the discharge authority form has been completed and submitted, we require a minimum of 10

ACCOUNT FACT SHEET

HL-R-AFS-JUL18 v1.2 Inoaton coect a at 0101 an uect to chane Othe te conton ee an chae a a ee ou te ACN 1 of 3 09 1 Autaan Cet cence Nue the ece o oan ae ee Fnance Cooaton t ACN 09 1 7. FLEXIBLE LOAN SOLUTIONS DESIGNED TO FIT YOU Pepper Money is a fresh alternative to the traditional lenders. We offer flexible home, car and personal loan solutions for a variety of borrowers. Call us today. UNIQUE, DIVERSIFIED, GLOBAL FINANCIAL SERVICES We're also a well-established global credit provider with specialist experience in our core disciplines of consumer lending and Asset Servicing across the residential and commercial property sectors. Our offices span Australia, New Zealand, Asia and Europe – including Ireland, UK, Spain and South Korea. HOME LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Home Loan Customer Portal. Keep track of your finances by logging in to your online portal. To get started, select a login option below based on your loan ID: Please select your login option 7 digit access number – Pepper Finance funded loans 8 digit customer

number –

PEPPER PRODUCT SELECTOR Pepper Product Selector works by combining a couple of pieces of simple information about a client together with their bureau score to select a specific Pepper Money product in the form of an Indicative Offer. The bureau score can be manually entered if available, or if not available, will be automatically obtained by the tool via an

access

PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY HOME LOAN ESTATEMENTS At this stage our focus is on transitioning our mortgage customers to e-Statements. Personal loans and car loans will follow in the future. To request a statement, simply call our friendly Customer Service team on 1300 650 931, Monday to Friday from 8:00am to 6:00pm AEST.

BROKER LOGIN

Welcome to the Broker Portal - your gateway to business growth. User ID. User ID must be entered. Password. Password must be entered. Forgotten password? Not an

LOGIN PAGE - PEPPER

IMPORTANT INFORMATION FOR CONSUMER APPLICATIONS For Consumer Loans: CAPSI has been replaced by SOLANA and you should have already received PEPPER LOAN DISCHARGE PROCESS Discharge process. To discharge your home loan with Pepper you will first need to complete and sign a Discharge Authority Form and return it to Pepper via fax, email or post. You can request this form by calling Customer Service on 1300 650 931. Once the discharge authority form has been completed and submitted, we require a minimum of 10

ACCOUNT FACT SHEET

HL-R-AFS-JUL18 v1.2 Inoaton coect a at 0101 an uect to chane Othe te conton ee an chae a a ee ou te ACN 1 of 3 09 1 Autaan Cet cence Nue the ece o oan ae ee Fnance Cooaton t ACN 09 1 7. PERSONAL LOANS CUSTOMER PORTAL LOGIN| PEPPER MONEY Pepper Money Personal Loans is a brand of Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164

213 030..

PEPPER MONEY ANNOUNCES IPO Pepper Money announces IPO. Posted 07-05-2021. Initial Public Offering ( IPO) to raise $500.1 million. Pepper Money will have a market capitalisation of approximately A$1.3 billion 1 on listing. Expected listing on ASX and trading of Shares initially on a conditional and

AROUND THE WORLD

Unique, diversified, global financial services. We have offices in New Zealand, Ireland, Spain, the UK and South Korea. 15 years into our journey, we are a much bigger company but our values and philosophy have not changed. We have been successful in growing into these diverse markets because we deliver one common solution: locally

developed

EQUIPMENT & ASSET FINANCE Make an enquiry today and a Lending Specialist will contact you within 24-48 hours (Mon-Fri) to chat about your asset finance options. Alternatively, to speak to someone straight away call us now on 13 73 77. All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and

charges apply.

TESLA - PEPPER

All applications are subject to credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd ACN 165 183 317 Australian credit licence 458899 Australian credit licence 458899 HOME LOANS FOR SELF EMPLOYED BORROWERS Flexible Home Loan Solutions for Self Employed Borrowers. The way we work here in Australia has really changed over the last 20 years. More people are working for themselves, doing more than one job or working different sorts of hours. 1 Real working life in Australia is pretty varied. 17% of Aussies are self-employed, with around 1 million being independent contractors. LOW DOC HOME LOAN PLANS A low-documentation (or Low Doc) home loan is a mortgage that can be taken out using less documentation than what is required for a full-documentation mortgage. In the past, a Low Doc home loan demanded significantly less paperwork, as well as STATEMENT OF FINANCIAL POSITION Completing a Statement of Financial Position form can help you understand your financial position and how much you can afford to pay

towards your debts.

AARON MILBURN

Aaron Milburn General Manager, Mortgages and Commercial Lending. Aaron has responsibility for the strategic direction and operating performance across the product, credit, settlements, and sales functions (Mortgages), and also acts as Pepper’s Country Head in New

Zealand.

UNDERSTANDING HOME LOAN RISK FEES A risk fee is a one-off, extra fee payable by you as a borrower if you have less than a 20% deposit saved. Some Lenders may use this to either offset the risk associated with loans of a higher Loan to Value Ratio (LVR) - generally more than 80% of the property value - or to protect the Lender from a possible financial loss if you’re unable

to

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REAL LIFE HOME LOAN OPTIONS FOR YOUR REAL LIFE WHATEVER YOUR REAL LIFE SITUATION, TALK TO US. __ Explore our home loans REAL LIFE LOAN OPTIONS FOR YOUR REAL LIFE Looking for a lender with a real life approach? Talk to Pepper Money. Australia’s best non-bank lender. THE GREAT THINGS ABOUT PEPPER MONEY. We have a team dedicated to working on each application so we can understand your real life situation and how we may be able to help.

Loan expertise

We have been HELPING AUSSIES achieve their lending goals since 2000. A little more about us >

Why Pepper Money?

The award-winning lender that HELPS YOU SUCCEED by looking at lending

differently.

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Flexible loans for different situations Real life loan options for your real life.

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I'M LOOKING TO BUY A HOME We offer a fresh alternative for home loan help. Find out more about our home loan options.

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I'M LOOKING FOR A PERSONAL LOAN Get your individual rate before applying in just a few minutes, without impacting your credit score.

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I'M LOOKING TO BUY A CAR We've made it simple with our range of flexible secured and unsecured

car loan options.

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I'M A MORTGAGE BROKER Visit our portal for the expertise and tools you need to deliver flexible loan solutions to your clients. Go to Broker Portal > SEARCH OUR HELP CENTRE FOR OVER 200 ARTICLES ON MANAGING YOUR FINANCES

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Managing a Loan

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HOW TO STAY ON TRACK WITH YOUR FINANCIAL PLAN For more of your questions answered visit our Help Centre

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EXPERIENCING FINANCIAL DIFFICULTY? Please contact us sooner rather than later. If you are experiencing financial difficulty and are unable to afford your loan repayments, groceries or general daily expenses, please apply for assistance here or contact us on 1300 650 931

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__ Apply for assistance SEE WHAT OUR CUSTOMERS ARE SAYING ABOUT US SEE WHAT OUR CUSTOMERS ARE SAYING ABOUT US At Pepper Money we care how our customers feel and the way they think about us, which is why we encourage any feedback to help us continually improve our service. Read the reviews on Product review >

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All applications are subject to the credit provider’s credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. Pepper Money Everyday Home Loans is a brand of Pepper Money Limited. Credit is provided by Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, Australian Credit Licence Number 237879. Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper Money’s Privacy Policy & the credit provider’s Privacy Policy

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�Pepper Money Limited ABN 55 094 317 665; AFSL 286655; Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans.

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