Pictures for illustrative purposes only. Devine does not provide financial advice. Customers should seek their own independent financial advice. Devine does not represent that by reaching your savings targets you will be approved for a loan. Lenders conditions apply. Devine Savings Coach is subject to withdrawal or amendment at any time. Full details available from Devine on request. 1. Initial deposit required to open your savings account is a minimum of $1. 2. All buyers will be required to provide a recent pay slip plus basic financial information for assessment by Devine. 3. When you reach a balance of $7,000 in this account you will be eligible to select your Devine house / house & land package. 4. Devine will not refuse a request to close this account and terminate this agreement up to the formal finance approval date. 5. Each month you will be rewarded by Devine for regular savings achieved. 6. The overall term of this process is not expected to exceed 6 months and Devine will freeze the base house price and promotional offer for this 6-month period. 7. When your savings goal has been achieved a full finance application is to be made with your selected lender for the balance of the purchase price. Termination: This agreement can be terminated at any time if; a) You request in writing that the savings account be closed prior to formal finance approval being received or your goal being reached. b) Devine management do not consider that your savings are sufficient to meet the minimum deposit required to apply for a home loan to cover the purchase of your selected house / house & land package. On termination the savings account is to be closed and all funds will be returned to the buyer less any amounts previously agreed to be paid to cover the cost of work completed to that point such as, but not limited to, soil test, drafting fees, council lodgment fees etc. Bank qualifications not controlled by Devine. QSBA21633. 20330_1/0812

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Devine Savings Coach

13 24 66 devine.com.au

1. Getting startedFirst up, visit a Devine Sales Centre to talk to one of our New Home Sales Consultants about what youre looking for in your new home. They can give you details of our house designs and prices, and chat to you about your current savings plan.

2. Joining the Savings CoachOnce youve decided that youd like to join our Devine Savings Coach, well formalise an agreement together to lock in your base house price and our current promotional offer.

Youll need to open a Savings Account into which you can make regular payments for a set period of time. Well arrange an appropriate time to talk to you about selecting a block of land for your new home.

3. Time to saveOnce youve opened your account, your bank will provide further information on how to make regular deposits and access online so that you can keep an eye on your savings.

Youre on your way. Well be here to help you. Well follow your progress and as you achieve your monthly savings targets, well send you rewards to ensure that you and your family are still able to enjoy adventures together while you save.

5. Construction startsIf your finance is approved and you sign your building contract with Devine, building can start on your new home.

4. Youve saved your depositOnce youve reached your deposit goal, well contact you to discuss your purchase.

Our New Home Sales Consultant will arrange to discuss the purchase of a block of land if you havent already bought one. Theyll work with you to customise your house design with all the extras that you and your family need. Your deposit will now be applied towards your purchase and well assist you to find a finance product suitable to you.

IntroductionThe Customer wishes to participate in the Devine Savings Coach (Program) facilitated by Devine. On completion of the Program the Customer wishes to purchase a new home from Devine. The Program is designed to assist with the saving of the required deposit. The Program is not a financial product and the customer has had the opportunity to seek independent financial advice. The parties wish to document the terms on which they agree to participate in the Program.

Date: ............................................................................................................................................

Agreement between:

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And Devine Homes Pty Ltd of 3 Westmoreland Blvd Springwood Qld 4127 (Devine)

House design: ..............................................................................................................................

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Base house price: .........................................................................................................................

Promotional offer: .........................................................................................................................

Minimum monthly savings goal: ...................................................................................................

Details of the Devine Savings Coach:To participate in the Devine Savings Coach, you must be approved by Devine, register, and provide details of your expected monthly savings and your savings goal to reach within 6 months. Unless otherwise agreed, your expected monthly savings must be no less than AU$1000 per month.

We may provide incentives from time to time. We may suspend, withdraw or amend any incentives that are available from time to time at our sole discretion.

The term of the Devine Savings Coach is 6 months along with the current promotional offer unless otherwise agreed in writing (Term). For the Term, Devine will freeze the price of a particular house design and level of inclusions (as specified in your application form). If you reach your savings goal in the Term and neither party has terminated the Devine Savings Coach, Devine will offer to enter into a contract with you (on Devines standard terms) for the purchase and/or construction of that house at the nominated price. You must separately own, or purchase, a block of land for the house. You may choose whether or not to enter into the offered contract.

Ending the Devine Savings CoachEither party may terminate your participation in the Devine Savings Coach by giving notice in writing at any time. If we cancel your participation in the Devine Savings Coach, or cancel the Program altogether, we have no liability to you for such cancellation. If you fail to reach your savings goal within the Term, the Devine Savings Coach automatically ends and neither party has any further obligation to the other whatsoever.

No financial advice or guarantee of purchaseParticipation in the Devine Savings Coach is not a guarantee of entering into a contract or completing a contract with Devine, or of obtaining finance. Devine does not provide any advice or representation regarding your borrowing power, eligibility for a loan or whether obtaining a loan is appropriate for you, and Devine does not provide any form of quote, loan offer, or investment advice. You should consult a financial planner before making the decision to commence a savings program, decide how to invest any money or to apply for a home loan.

Privacy and securityDevine collects and stores your personal information in accordance with the Devine Privacy Policy and Disclaimer available at http://www.devine.com.au/disclaimer-privacy.aspx

Start saving todaySo what are you waiting for?

The sooner you start saving, the sooner you can be moving into your own home. To register for the Devine Savings Coach

talk to your New Home Sales Consultant today.

13 24 66

With a little helpSaving a deposit to buy a new home can be easier than you think. While it takes patience and a bit of discipline, with a clear goal and a little encouragement, youll soon be in a position to buy the home youve dreamed of.

Devine has developed a Savings Coach to help keep you on track. We know with the right encouragement, youre more likely to stick to your goal. Well even give you clever savings tips to help you achieve your goal faster.

A few rewards along the wayTo assist you while you save for your deposit, well also reward you when you reach your monthly savings targets with your Savings Coach. And heres a bonus to encourage you to reach your savings target faster.

You can include any Devine promotional offer thats running right now into your agreement. Youll receive this offer on completion. That means youll avoid any subsequent price rise if you meet your goals on time. Bonus! Thats another good reason to get on board and start saving now.