TABLE OF CONTENTS

• What Are the Benefits?
• How Do I Join the Good Payers Club?
  • Eligibility Criteria
  • Food Club Card Customers
  • More Information:
• How Do I Access the Good Payers Club?
• Can I Lose My Membership?

The Good Payers Club is our way of recognising customers who have maintained their repayments and kept their account up to date.

As a member, you'll gain access to exclusive benefits designed to reward positive payment behaviour. You will have exclusive access to a wide range of products including the latest tech and gaming products and refurbished iPhones.

What Are the Benefits?

Earlier Access to Repeat Core Loans

Good Payers Club members may become eligible for a repeat Core Loan sooner than other customers.

• Standard customers can apply for a repeat Core Loan once they have repaid one-third (1/3) of their current loan.

• Good Payers Club members can apply once they have repaid one-quarter (1/4) of their current loan.

All applications remain subject to eligibility and affordability checks.

How Do I Join the Good Payers Club?

You don't need to apply.

We'll automatically invite you to join by email when you meet the eligibility criteria.

Eligibility Criteria

To become a Good Payers Club member, you must:

• Have been a Fair for You customer for at least 6 months

• Be up to date with your repayments

You may receive an invitation when:

• You've been with Fair for You for more than 6 months and your account is up to date, or

• You've successfully repaid your first loan and your account remains up to date

Food Club Card Customers

If your first loan was a Food Club Card, you'll need to:

• Have been with Fair for You for at least 6 months, and

• Have repaid your first Food Club Card balance in full

before becoming eligible for the Good Payers Club.

More Information:

You can find more informaton on making repayments here: Your Payment Plan and Repaying your Loan

How Do I Access the Good Payers Club?

Once you've been invited, you can access the Good Payers Club by logging into your online customer account.

There is no separate login or account required.

Can I Lose My Membership?

Yes - If your account falls into arrears:

• You'll be removed from the Good Payers Club

• You'll lose access to any Good Payers Club benefits

You may become eligible again in the future once your account is up to date and meets the required criteria.