CREDIT GUIDE

Golden Bridge Enterprises (Aust) Pty Ltd trading as Golden Bridge Cash Solution

Australian Credit Licence No. 388601 | AFCA Member No. 45089

This Credit Guide contains important information about Golden Bridge Enterprises (Aust) Pty Ltd trading as Golden Bridge Cash Solution (“Golden Bridge”), our responsible lending obligations, how you can obtain a copy of our credit assessment, and how complaints and disputes are handled.

WHO ARE WE?

Golden Bridge Enterprises (Aust) Pty Ltd trading as Golden Bridge Cash Solution is the holder of Australian Credit Licence No. 388601.

Golden Bridge provides small amount credit contracts to eligible consumers in Australia.

HOW CAN WE BE CONTACTED?

OUR RESPONSIBLE LENDING OBLIGATIONS

Before entering into a credit contract with you, we are required to assess whether the proposed credit contract is unsuitable for you.

In making this assessment, we are required to make reasonable inquiries about your financial situation and your requirements and objectives, and take reasonable steps to verify your financial situation.

We must not enter into a credit contract with you if the contract is unsuitable.

A credit contract may be unsuitable if, at the time the contract is entered into:

• it is likely that you will be unable to comply with your financial obligations under the contract, or could only comply with substantial hardship;
• the contract does not meet your requirements or objectives; or
• circumstances prescribed by the regulations make the contract unsuitable.

Additional requirements apply to small amount credit contracts.

OBTAINING A COPY OF OUR ASSESSMENT

You may request a written copy of our assessment of whether the proposed credit contract is unsuitable for you.

If you request a copy before entering into the credit contract, we will provide the assessment before entering into the contract.

If you request a copy after the credit contract has been entered into, we will provide it within the period required by law.

We will not charge you for providing a copy of the assessment.

COMPLAINTS AND DISPUTES

If you have a complaint or dispute about our products, services, a credit contract or the handling of your account, please contact us:

Golden Bridge Cash Solution Telephone: 1300 137 906 Email: info@gbcash.com.au Postal Address: PO Box 347, Collins Street West VIC 8007

We will investigate your complaint through our Internal Dispute Resolution process and provide a response within the timeframe required by applicable law.

If you are not satisfied with our response, or your complaint has not been resolved within the applicable timeframe, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA).

AUSTRALIAN FINANCIAL COMPLAINTS AUTHORITY (AFCA)

AFCA provides consumers with a free and independent external dispute resolution service.

You may also obtain independent legal or financial counselling assistance where appropriate.

This Credit Guide is intended to satisfy the information requirements applying to a credit provider under section 126 of the National Consumer Credit Protection Act 2009.