Last Updated: September 2025

Thank you for placing your trust in Lark & Creese Pty Ltd (ACN 606 603 061) and its
subsidiaries (as that expression is defined in the Corporations Act 2001 (Cth)) (individually
and collectively “we”, “us”, as the context requires). This Privacy Policy describes how we
collect, hold, use, and disclose your information and explains the choices that you have
regarding how we use your personal information.

This Privacy Policy applies to all dealings we have with individuals, including customers,
guarantors or prospective guarantors, suppliers and service providers, and job applicants.

We are committed to protecting your personal information. By submitting your personal
information to us, or by using our services, you acknowledge and consent to us using your
personal information in accordance with this Privacy Policy.

This Privacy Policy is intended to enhance the transparency of our operations, to notify you
of your rights and our obligations, and to provide you with information regarding:

1. the kinds of personal information which we collect and hold;
2. how we collect, hold, use, and disclose personal information;
3. the purposes for which we collect, hold, use, and disclose personal information;
4. how you may access personal information that is held by us and seek correction of
   such information;
5. how you may complain about a breach of the Australian Privacy Principles (“APP”) or
   registered APP code (if any) that binds us and how we will deal with such complaints;
6. whether we are likely to disclose personal information to overseas recipients; and
7. if we are likely to disclose personal information to overseas recipients, the countries in
   which such recipients are likely to be located

This Privacy Policy sets out how we comply with our obligations under the Privacy Act 1988
(Cth) (“Act”).

Acknowledgement

We acknowledge that we must take reasonable steps when handling personal information.

Whilst we cannot warrant that this Privacy Policy will be followed in every instance, we will
endeavour to follow this Privacy Policy. Similarly, while we cannot warrant that loss, misuse
or alteration of information will never occur, we will take all reasonable steps to prevent these
things from occurring.

We have taken reasonable steps to endeavour to comply with the APP and the Act, some
examples are noted below

1. Implementation of this Privacy Policy.
2. Staff training and education.
3. Use of checklists to ensure that all APP are complied with.
4. Clear and transparent procedures regarding the handling of complaints and
   disclosure of information.

If you require a hardcopy of this Privacy Policy, please contact our Privacy Officer on the
details below and we will provide you with a copy.

The kinds of personal information which we will collect and hold

Collection of Personal Information (other than Sensitive Information)

It is our usual practice to collect personal information (other than sensitive information) directly from the subject individual or their authorised representative(s).

Personal information means information or an opinion (including information or an opinion
forming part of a database), whether true or not, and whether recorded in a material form,
about an individual whose identity is apparent, or can reasonably be ascertained, from the
information or opinion.

Some examples of the personal information we might collect include (but are not limited to):

1. your name;
2. your contact details (such as telephone numbers, addresses (residential and
   business), and email addresses etc.);
3. your age or date of birth;
4. demographic information (such as population or statistical characteristics);
5. your opinions and preferences;
6. your occupation and employment details (current and former);
7. personal identification documentation (including government related identifiers);
8. details relating to your use of our goods and services;
9. payment details;
10. banking details;
11. browser session details and approximate (not specific) geo-locations;
12. images from video surveillance and other cameras we use; and
13. customer survey information.

Sensitive information

‘Sensitive information’ means information or an opinion about an individual’s:

1. racial or ethnic origin; or
2. political opinions; or
3. membership of a political association; or
4. religious beliefs or affiliations; or
5. philosophical beliefs; or
6. membership of a professional or trade association; or
7. membership of a trade union; or
8. sexual orientation or practices; or
9. criminal record (that is also personal information); or
10. health, genetic, or biometric information about an individual.

We do not ordinarily collect sensitive information but if we need to do so we will obtain your
informed consent.

Where we have received unsolicited sensitive information (whether or not incidental to our
collection of personal information):

1. we will notify you with the details of that sensitive information;
2. (unless you consent or agree otherwise) we will not use that sensitive information
   (subject to a ‘permitted general situation’); and
3. we may destroy, redact, or pseudonymise that sensitive information.

We may collect and use sensitive information about you where a ‘permitted general situation’
(as that term is defined in section 16A of the Privacy Act) exists in relation to that sensitive
information.

Identification

You may choose to interact with us using a pseudonym and/or not identify yourself.

In circumstances where we are required to do so, or are authorised by law, a court or tribunal to ask for your identification, we will request your personal information.

Further, it is likely that it will be impractical for us to interact with you without some form of
identification, and therefore we will request identification details from you at the beginning of
each transaction.

For example, we will not be able to open a commercial credit trading account or process a
commercial credit application for you without obtaining identification details.

If you do not consent to the collection of your personal information, in accordance with this
Privacy Policy, we may not be able to assist you with the provision of certain services.

How we will directly collect personal information (other than sensitive information) from you

We only collect and hold personal information by lawful and fair means.

There are several ways we may collect your personal information, including when you:

1. visit, or submit information through, our website;
2. when you visit our premises;
3. apply with us for a position of employment or as a contractor;
4. submit inquiries or documents to us containing personal information;
5. deal with us face-to-face, in writing (by letter, facsimile, or email), or by telephone;
6. participate in any of our events, promotions, marketing activities, or surveys, or
   subscribe to any of our publications; or
7. submit an application, quotation, purchase order, or service request to us.

How we will collect personal information (other than sensitive information) from third parties or indirectly

In some circumstances, we may collect and hold personal information that has been
collected from a third party (such as an associated entity, service provider, or contractor) or a
publicly available source.

This will likely occur in instances where:

1. you have consented for this collection (which would usually be via our privacy statement and/or credit application form); or
2. you would reasonably expect us to collect your personal information in this way and it
   is necessary for us to collect this information for a specific purpose (such as
   investigation of a complaint).

We may also collect personal information about you from third parties and other sources
such as:

1. your nominated representative (including spouses, professional service providers, agents, or consignees); or
2. information that is in the public domain (where it is reasonably apparent this information is not publicly available as a result of a data leak, privacy breach, or otherwise made available in bad faith).

How we hold your personal information

We will take steps to hold personal information in a manner which is secure and protected
from unauthorised access.

Your personal information may be held in either a physical form or in electronic form on our
IT system.

Where stored in electronic form on our IT system, we will take steps to protect the
information against modification, disclosure, or misuse by including such things as physical
restrictions, password protections, internal and external firewalls, and anti-virus software.

We will also endeavour to ensure that our service providers have protection for electronic IT
systems and other necessary restrictions.

We will endeavour to ensure our staff are trained with respect to the security of the personal
information we hold, and we will restrict any access where necessary.

While we retain personal information for as long as necessary in relation to the purposes for
which it is collected, we will endeavour to destroy and de-identify the personal information
once it is no longer required, except as required for business record purposes.

If we collect personal information about you from someone else, we will advise you as soon
as practicable that this information has been collected and the circumstances which surround
the collection.

If we collect personal information (including sensitive information) that is unsolicited, and we
were not permitted to collect it, the personal information will be destroyed, redacted, or
pseudonymised as soon as reasonably practicable.

If we have received sensitive information incidental to our collection of personal information,
we will endeavour to notify you of the specific sensitive information that has been collected
and destroy that sensitive information, as soon as reasonably practicable.

Log Files

Our website follows a standard procedure of using log files. These files log visitors when they
visit websites. The information collected by log files include internet protocol (IP) addresses,
browser type, Internet Service Provider (ISP), date and time stamp, referring or exit pages,
and possibly the number of clicks.

These are not linked to any information that is personally identifiable. The purpose of the
information is for analysing trends, administering the site, tracking users’ movement on the
website, and gathering demographic information.

Cookies, tracking pixels, and the collection of personal information via social media and our website

When you visit our website or view an e-mail from us, we may collect information about the
session between your computer and our website(s) using cookies or other event tracking
technologies. This information can also be disclosed to related third parties, but is done so in
an anonymised form.

‘Tracking pixels’ are graphic files stored on webpages or in emails that record specific, live or
real-time information, such as website traffic and usage, user demographics and
geolocations, and website activities such as online purchases.

‘Cookies’ are text files which are stored on your computer or mobile device (by your web
browser) that record specific information, such as which pages you visit, the information you
have searched for, or the device you are using to access our website.

We use cookies and the Meta tracking pixel for the purposes of managing and improving our
website and social media profiles, improving our business processes, gathering demographic
information about the persons who visit our website or social media pages, and creating
product recommendations, among other things.

Third parties may store cookies on our website, including, by way of example, the following
entities.

1. Google Analytics (provided by Google Inc.) to enable us:

   • (a) to perform statistical analyses of e.g. number of visitors, information on gender, age, location, interests, and the like to learn about our visitors; and
   • (b) to improve the website friendliness and usability (e.g. on the basis of website traffic measurements).

2. YouTube (provided by YouTube LLC.) to store session preferences (e.g. language)
   and suggest other content based on your previous uses (only activated when you are
   logged in to Youtube when visiting our website and only when clicking the YouTube
   button).
3. Facebook (provided by Meta Platforms, Inc.) to identify users logged in to Facebook
   for the purpose of sharing content on Facebook (only when you are logged in to
   Facebook when visiting our website and only when clicking the Facebook button).
4. LinkedIn (provided by LinkedIn Corp.) to enable the “follow” and “share” features of
   LinkedIn (only when you are logged in to LinkedIn when visiting our website and only
   when clicking the LinkedIn button).
5. Instagram (provided by Meta Platforms, Inc.) to enable the “pin” and “share” features
   of Instagram (only when you are logged in to Instagram when visiting our website and
   only when clicking the Instagram button).
6. X (formerly trading as ‘Twitter’) (provided by X Holdings Corp.) to enable the “tweet”
   feature of X (only when you are logged in to X when visiting our website and only
   when clicking the X button).

You may elect to disable or turn off cookies in your web browser, however, this may impact
upon the services we are able to offer you on our website and may impact upon your ability
to access certain features of our website.

Our server will also automatically record your Internet Protocol address (IP address).

An IP address is a numerical designation assigned to each device connected to a computer
network by your internet service provider. While IP addresses can be used to identify the
general physical location of a computer, they are otherwise anonymous, and we will not use
your IP address to identify you.

Hiring and recruitment

If you apply for a position with us, we may also collect information about your experience,
character, qualifications, and screening checks (including background, health, references,
directorship, financial probity, identity, eligibility to work, vocational suitability, and criminal
record checks). Sensitive information will only be collected with your consent.

We collect, use, and disclose your personal information to assess your application, conduct
screening checks and consider and contact you about positions available. Your personal
information may be exchanged with academic institutions, recruiters, screening check
providers, health service providers, professional and trade associations, law enforcement
agencies, referees, and your current and previous employers.

We may not be able to further consider you for positions with us without your personal
information.

The purposes for which we collect and hold personal information

We will endeavour to only collect and hold personal information which is relevant to the
operation of our group.

Our purpose for collecting or holding personal information about you is so that it may be used
directly for our business activities.

We may use your personal information for the business activities of our group, which include,
among other things:

1. assessing credit applications;
2. reviewing existing credit terms;
3. assessing credit worthiness;
4. collecting overdue payments;
5. assessing credit guarantees (current and prospective);
6. internal management purposes;
7. administering accounts;
8. managing relationships with our customers;
9. dealing with complaints;
10. supplying you with goods and services;
11. facilitating product and service reviews;
12. business development and marketing purposes (including direct marketing);
13. operating, developing, or improving our online services and platforms;
14. engaging with you on social media;
15. internal record keeping and administration;
16. sales and billing;
17. insurance purposes;
18. complying with legal requirements;
19. establishing, exercising, or defending a legal or equitable claim; and
20. training and recruitment.

We may also collect personal information for both the primary purposes specified herein and
purposes other than the primary purposes, including the purpose of direct marketing.

We may also collect personal information from other credit providers, Credit Reporting
Bodies (“CRBs”) and any other third parties for the purposes of our business activities
including, but not limited to, credit, sales, marketing, and administration.

The purposes for which we collect and hold sensitive information

We will endeavour to only collect and hold sensitive information which is directly relevant to
the operation of our group.

For example, we are ordinarily required to provide employee health or medical records to
contractors, principals, or other job site owners to:

1. facilitate site access;
2. demonstrate fitness to operate heavy machinery; or
3. engage in demanding physical labour,

for the relevant employee or contractor.

The purposes for which we use and disclose personal information

We will endeavour to only use and disclose personal information for the primary purposes
noted above in relation to the business activities of our group.

In addition, we may also use and disclose personal information for both the primary purposes
specified herein and purposes other than the primary purposes, including the purpose of
direct marketing.

Unless one or more of the below scenarios has occurred, we will take necessary steps to
prevent personal information from being given to government agencies or other
organisations.

1. You have provided your consent.
2. You would reasonably expect that your information would be so disclosed.
3. We have informed you that your personal information will be provided to a third party.
4. We are required by law to provide your personal information to a government agency
   or other organisation.
5. The disclosure of the information will prevent a serious threat to somebody’s life or
   health.
6. The disclosure of the information reasonably necessary for the enforcement of
   criminal law.

For example, we may reasonably provide personal information to third party service
providers for the purpose of enabling them to provide their services (including IT service
providers, data storage, or payment systems operators).

Further we will endeavour to only disclose personal information for the purpose in which it
was collected, unless disclosure is reasonably necessary to:

1. assist in locating a missing person;
2. lessen or prevent a serious threat to life, health or safety;
3. take appropriate action with suspected unlawful activity or serious misconduct;
4. facilitate or assist with diplomatic or consular functions or activities;
5. assist certain defence force activities outside Australia;
6. establish or exercise a defined legal or equitable claim; or
7. facilitate or assist confidential alternative dispute resolution activities.

Direct Marketing

We will take steps not to disclose personal information for direct marketing purposes unless
you have provided your consent to do so.

In any event you will be provided with an opt out option with respect to direct marketing,
should you wish to be excluded from direct marketing.

If you do not elect to ‘opt out’ to receiving direct marketing material from us, you consent to
us using personal information (other than sensitive information) provided to us for direct
marketing purposes.

Where we have collected sensitive information with your consent, we may use sensitive
information for direct marketing purposes if you provide your further consent for us to do so.

You may at any point in time, request to no longer receive direct marketing material from us
by opting out.

We will record this information on our opt out register.

Direct Marketing and Third Parties

We may also from time to time, if we have received your consent, provide your personal
information to a third party for the purposes of direct marketing.

You may at any time request the source of the personal information that has been disclosed.

Government related identifiers

We will endeavour not to use or disclose a government related identifier, unless:

1. the use or disclosure of the identifier is reasonably necessary for us to verify your identity for the purposes of our business activities; or
2. the use or disclosure of the identifier is reasonably necessary for us to fulfil our
   obligations to an agency or a State or Territory authority; or
3. the use or disclosure of the identifier is required or authorised by or under an
   Australian law or a court or tribunal order; or
4. a permitted general situation (as that term is defined in the Act) exists in relation to
   the use or disclosure of the identifier; or
5. we reasonably believe that the use or disclosure of the identifier is reasonably
   necessary for one or more enforcement related activities conducted by, or on behalf
   of, an enforcement body.

Disclosure to CRBs

As indicated above, we may disclose personal information to a CRB in accordance with the
permitted disclosures as defined under the Act.

We may disclose your Credit Information to the following CRBs listed below.

Equifax Australia
GPO Box 94
North Sydney NSW 2059
Tel: 13 8332

Creditor Watch
GPO Box 276
Sydney NSW 2001
Tel: 1300 501 312

NCI
PO Box 3315, Rundle Mall SA
5000
Tel: 1800 882 820.

Illion
PO Box 7405,
St Kilda Road, Melbourne VIC 3004
Tel: 13 23 33

Experian
GPO Box 1969, North
Sydney NSW 2060
Tel: (02) 8907 7200

A copy of the credit reporting policy for the CRBs listed above will be available on their website or will be provided in hard copy upon request.

How you may access your personal information

You are entitled to access your personal information held in our possession.

We will endeavour to respond to your request for personal information within a reasonable
time period or as soon as practicable in a manner as requested by you. We will normally
respond within thirty (30) days.

You can make a request for access by sending an email or letter addressed to our Privacy
Officer, the details of which are as follows.

The Privacy Officer
Name: Julie Hoskinson
Address: 62 Channel Highway, Kingston TAS 7050
Telephone (03) 6229 6563
Email: info@larkandcreese.com.au

With any request that is made we will need to authenticate your identity to ensure the correct
person is requesting the information.

We will not charge you for making the request, however, if reasonable we may charge you
with the costs associated with your request.

You will only be granted access to your personal information where we are permitted or
required by law to grant access. We are unable to provide you with access that is unlawful.

Further we are not required to, and will not, give access to personal information to the extent
that:

1. we reasonably believe that giving access would pose a serious threat to the life, health, or safety of any individual, or to public health or public safety; or
2. giving access would have an unreasonable impact on the privacy of
   other individuals; or
3. the request for access is frivolous or vexatious; or
4. the information relates to existing or anticipated legal proceedings and the information
   would not be accessible in normal discovery procedures; or
5. giving access would reveal the intentions of us in relation to negotiations and this
   disclosure would prejudice those negotiations; or
6. denying access is required or authorised by or under an Australian law or a court or
   tribunal order; or
7. we have reason to suspect that unlawful activity, or misconduct of a serious nature,
   that relates to our business activities has been, or may be engaged in; or
8. giving access would be likely to prejudice the taking of appropriate action in relation to
   the matter; or
9. giving access would be likely to prejudice one or more enforcement related activities
   conducted by, or on behalf of, an enforcement body; or
10. giving access would reveal evaluative information generated within us in connection
    with a commercially sensitive decision-making process.

If we refuse access to the information, written notice will be provided to you setting out:

1. the reasons for the refusal (except to the extent that, having regard to the grounds for the refusal, it would be unreasonable to do so);
2. the mechanisms available to complain about the refusal; and
3. any other matter prescribed by the regulations.

Correction

Should we hold personal information, and it is inaccurate, out of date, incomplete, irrelevant,
or misleading, or incorrect you have the right to make us aware of this fact and request that it
be corrected.

If you would like to make a request to correct your information, please contact our Privacy
Officer.

In assessing your request, we need to be satisfied that the information is inaccurate, out of
date, incomplete, irrelevant, or misleading. We will then take all reasonable steps to ensure
that it is accurate, up-to-date, complete, and not misleading.

It is our normal policy to resolve any correction requests within thirty (30) days. If we require
further time, we will notify you in writing and seek your consent.

Should we refuse to correct your personal information written notice will be provided to you
setting out:

1. the reasons for the refusal (except to the extent that, having regard to the grounds for the refusal, it would be unreasonable to do so); and
2. the mechanisms available to complain about the refusal; and
3. any other matter prescribed by the regulations.

We will endeavour to notify any relevant third parties of the correct personal information where necessary and required.

Notifiable Data Breaches

A Notifiable Data Breach is an event where access to your personal data has been gained
and there is a risk of serious harm, or it is suspected that there is a serious risk to you.

In the event of a Notifiable Data Breach, we will notify you. Examples of Notifiable Data
Beaches include:

1. loss or theft of physical devices (such as laptops and storage devices) or paper records that contain personal information;
2. unauthorised access to personal information by an employee; and
3. inadvertent disclosure of personal information due to ‘human error’ (e.g. an email sent
   to the wrong person).

Complaints

If you wish to make a complaint about a failure of us to comply with our obligations in relation
to the Act or the APP please raise this with our Privacy Officer.

We will provide you with a receipt of acknowledgment as soon as practicable.

We will then endeavour to respond to your complaint and attempt to resolve the issues within
thirty (30) days.

In dealing with your complaint, we may need to consult another credit provider or third party.

If you are not satisfied with the process of making a complaint to our Privacy Officer, you
may make a complaint to the Information Commissioner, the details of which are below.

Office of the Australian Information Commissioner (OAIC)
Address: GPO Box 5288, Sydney NSW 2001
Telephone: 1300 363 992
Facsimile: (02) 6123 5145

Information Commissioner

The Information Commissioner can decline to investigate a complaint on several grounds
including, among other things, where the complaint wasn’t made at first to us.

For more information about privacy in general, you can visit the Australian Information
Commissioner’s website: https://www.oaic.gov.au/.

Disclosure to overseas recipients

We may choose to, if permitted by law, share and/or disclose your personal information with
recipients outside of Australia.

We are required to notify you with a list of any countries which personal information may be
transmitted to or disclosed where it is practical for us to do so.

We currently do not share or disclose personal information overseas.

If you have any queries regarding this Privacy Policy or wish to find out more regarding any
of our other policies, please contact our Privacy Officer on the details listed above.

Security

We take all reasonable steps to keep secure any information which we hold about you. Personal information may be stored both electronically on our computer system, and in hardcopy form. Firewalls, passwords, anti-virus software, and email filters act to protect our electronic information.

Changes to this Privacy Policy

We will update this Privacy Policy from time to time. We therefore recommend that you read
it each time you visit our website. If you do not agree with this Privacy Policy at any time,
please do not continue to use our website. If you do continue to use our website, you are
deemed to have accepted the terms of this Privacy Policy as they appear at the time of use.