Terms and Conditions – Partner and Customer EOY 2020 OFFERS, Australia

5 November 2020 – 31 December 2020

PARTNER OFFER: Line of Credit offer for Prospa Accredited partners: Lowest Prospa rate currently available to eligible customers for our $10K and $20K Lines of Credit

Exclusive line of credit (“LOC”) offer for accredited Prospa partners who settle a new LOC and make an initial minimum drawdown of $10 between 5 November and 31 December 2020 (inclusive). Eligible partners can elect to take one of the following offers on a new LOC for a 12 month term: (a) facility limit of up to $10,000 at a fixed Annual Percentage Rate of 19.9% p.a. (a credit check is required); or (b) facility limit of up to $20,000 at a fixed Annual Percentage Rate of 14.95% p.a. (full standard credit assessment is required and applicants must provide 12 months of connected electronic banks statements). There will be a $0 origination fee and weekly service fee of 0.046% of the facility limit. Fees for dishonour and late payment apply. Interest is calculated daily on funds drawn down and debited weekly in arrears until repaid. Offer only available to Prospa accredited partners established and operating in Australia. Offer available on Prospa’s standard line of credit product only. No commission or other fees are earned on this offer by the partner or any other third-party referrer. Maximum one LOC per partner. Not valid in conjunction with any other offer. Offer may be withdrawn without notice. Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply. Australian credit licence 454782.

CUSTOMER OFFER: No repayments for the first 8 weeks on eligible Business Loans settled between 5 November 2020 and 31 December 2020

No repayment period offer available to new and existing approved customers on a new or refinanced Prospa Small Business Loan settled between 5 November and 31 December 2020 (inclusive). Approved customers can elect to take an optional initial no repayment period of between 1 to 8 weeks, during which interest will accrue but no repayments will be required. Total loan repayment term will be extended by the time equal to the selected no repayment period (1 to 8 weeks) and interest will accrue from the loan settlement date until the end of the term. Interest that accrues on the loan during the no repayment period is capitalised and included in the total interest expense, and forms part of the regular fixed daily or weekly principal and interest repayments due on each payment date following the end of the no repayment period. Offer only available to businesses established and operating in Australia. Offer not available in conjunction with any other Prospa offer. Offer may be withdrawn without notice. Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply. Australian credit licence 454782.