•  We have asked for personal information about you so as to use  the Veda Advantage ( “Veda”) credit reporting service to credit check you.

•  Veda  will give us personal information about you for that purpose.

• We will give your personal information to Veda  and they will hold that information on their systems and use it to provide their credit reporting service

•  When other Veda  customers use the Veda  credit reporting service, Veda may give the information to those customers.

• We may use Veda’s credit reporting services in the future for purposes related to the provision of credit to you.  This may include Veda’s monitoring services to receive updates if any information held about you changes.

• If you default in your payment obligations to us, information about that default may be given to Veda, and Veda may give information about your default to other Veda customers

• The contact addresses of agencies that hold the personal information that you have given in this application are:

                   Advantage Finance Limited                                                  Veda  Advantage (NZ) Limited
             PO Box 3907 (333 Manchester Street)                                Private Bag 912012,  Auckland Mail Centre 1142
             Christchurch                                                                         www.vedaadvantage.co.nz

• Do you consent to us obtaining a credit report?  (If you do not consent your application may be declined).    Yes No