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<fo:inline background-color="#ffffff" color="#000000" font-size="20pt"  font-family="SansSerif"  font-weight="bold" >Your Letter of Offer</fo:inline>
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<fo:inline background-color="#ffffff" color="#ff0000" font-size="14pt"  font-family="SansSerif" >Here’s our offer for you.</fo:inline>
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<fo:inline background-color="#ffffff" color="#ff0000" font-size="14pt"  font-family="SansSerif" >It is important to read fully before you accept.</fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >You’ll need to read this document alongside your General Terms for this product as </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >together they contain all the terms and conditions of the credit contract we’re offering </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >you. This Letter of Offer and the General Terms form your contract. They also form the </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >pre-contractual statement we must give you before you can agree to a contract with us. </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >Some key words used in this document are explained in your General Terms. The </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >information in this agreement is correct as at the offer date.</fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif"  font-weight="bold" >Financial Details :</fo:inline>
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<xsl:variable name="var1" >
<xsl:call-template name="string-replace-all">
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<xsl:value-of select="$var5"   ></xsl:value-of>
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<xsl:variable name="var1" >
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</fo:block>
      </fo:block-container>

        </fo:table-cell>
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 <fo:table-row>
 <fo:table-cell number-columns-spanned="1">
 <fo:block>
 
<xsl:comment> START Area Detail area 1 </xsl:comment>
 <xsl:if test="data/chargeDetails/chargeDetailsModel" >
 <xsl:comment> ID Detail area 1 ac9e8b51-bd49-4b99-a7b9-bba24184fd48</xsl:comment>
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       <xsl:comment> ID New dea04159-37ca-4cb5-8ef2-1d2e84f31c95</xsl:comment>
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 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif"  font-weight="bold" >Fee and Charges : </fo:inline>
 </fo:block>
 <fo:block  wrap-option="wrap"  text-align="left">

 </fo:block>
 </fo:block-container>
</fo:block>
       </fo:block-container>

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       <xsl:comment> ID New a6cd274e-ec84-4619-8fab-26a30b1558af</xsl:comment>
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<xsl:variable name="var1" >
 <xsl:call-template name="string-replace-all">
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 <xsl:variable name="var2" >
 <xsl:call-template name="string-replace-all">
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 <xsl:with-param name="replace" select="'$2'" />
 <xsl:with-param name="by" select="/data/loanDetails/loanCurrencyCode" />
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 <xsl:variable name="var3" >
 <xsl:call-template name="string-replace-all">
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 <xsl:with-param name="by" select="amount" />
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 <xsl:value-of select="$var3"   ></xsl:value-of>
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 </fo:block>
 </fo:block-container>
</fo:block>
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 <xsl:comment> END Area Detail area 1 </xsl:comment>
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 </fo:table-cell>
 </fo:table-row>
 <fo:table-row>
 <fo:table-cell number-columns-spanned="1">
 <fo:block>
 
<xsl:comment> START Area Detail area 2 </xsl:comment>
 <xsl:comment> ID Detail area 2 b788734a-7124-4b02-8307-54ed6c16b434</xsl:comment>
 <fo:table  table-layout="fixed"  width="17.0cm"   >
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   <fo:table-body>
 <xsl:comment> repetition of Detail area 2</xsl:comment>
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       <fo:table-column column-width="17.0cm"/>
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       <fo:table-row   height="1.01cm"  >
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     <fo:table-row   height="0.88cm">
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >Without your consent, we could change: </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >The amount of credit (however we will not increase it except at your request or with </fo:inline>
 </fo:block>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >your consent); </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >The interest rate(s) (including any margin, and the name and description of any </fo:inline>
 </fo:block>
 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >indicator rate), except where your interest rate is fixed for a period in which case we </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >The amount, method of calculation, type and frequency or time for payment of a credit </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >fee or charge (including introducing new credit fees and charges); or  </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >The amount, method of calculation, number, frequency or time for payment of any </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >repayments.</fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >Other Information: </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif"  font-weight="bold" >Security</fo:inline><fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" > </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >The following securities have, or will be, taken by us to secure all credit provided under </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >Enforcement expenses may become payable under this contract or the security (if any) </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >The secured property must be insured, and we need to be listed as mortgagee on the </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >property or policy. We can ask you for evidence of this at any time.</fo:inline>
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 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >Your interest rate that applies on the settlement date may be different to the rate set </fo:inline>
 </fo:block>
 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >out in this letter of offer. If this happens, you and we agree that your repayment </fo:inline>
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 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >amounts will immediately change to reflect the amount required to pay out the total </fo:inline>
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 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >owing by the end of the loan term and we’ll confirm any adjusted amount to you as </fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >soon as practicable.</fo:inline>
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<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >The government authority fees, charges and duties shown in this letter of offer are the </fo:inline>
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 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >maximum fees payable as at the offer date. If the relevant government authority </fo:inline>
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 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >charges us less or doesn’t charge a particular fee, you’ll only be required to pay the </fo:inline>
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 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >smaller amount that we’ve been charged by the government authority.</fo:inline>
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      <fo:block-container  width="3.6cm" margin-left="0.0cm" margin-top="0.0cm"   >       <fo:block   font-size="10pt"  font-family="SansSerif"  color="#000000"   text-align="left"  margin-right="0cm" margin-left="0cm"  margin-top="0cm" >  <fo:block-container>
 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" >Thanks, </fo:inline>
 </fo:block>
 <fo:block  wrap-option="wrap"  text-align="left">
<fo:inline background-color="#ffffff" color="#000000" font-size="12pt"  font-family="SansSerif" > 
<xsl:variable name="var1" >
 <xsl:call-template name="string-replace-all">
 <xsl:with-param name="text" select="&quot;$1 &quot;" />
 <xsl:with-param name="replace" select="'$1'" />
 <xsl:with-param name="by" select="data/loanDetails/bankName" />
 </xsl:call-template>
 </xsl:variable>
 <xsl:value-of select="$var1"   ></xsl:value-of>
</fo:inline>
 </fo:block>
 </fo:block-container>
</fo:block>
       </fo:block-container>

         </fo:table-cell>
     </fo:table-row>
     </fo:table-body>
     </fo:table>
     </fo:table-cell>
     </fo:table-row>
    </fo:table-body>
 </fo:table>
 

 <xsl:comment> END Area Detail area 2 </xsl:comment>
 </fo:block>
 </fo:table-cell>
 </fo:table-row>
<fo:table-row>
<fo:table-cell number-columns-spanned="1">
<fo:block>

<xsl:comment> START Area Report Footer  </xsl:comment>
<xsl:comment> ID Report Footer  57ac3977-f065-4740-8cbf-38b04b897d1b</xsl:comment>
<fo:table  table-layout="fixed"  width="17.0cm"   >
  <fo:table-column column-width="17.0cm"/>
  <fo:table-body>
<xsl:comment> repetition of Report Footer </xsl:comment>
    <fo:table-row   height="1.92cm">
      <fo:table-cell>
      <fo:table  table-layout="fixed" width="100%">
      <fo:table-column column-width="17.0cm"/>
      <fo:table-body>
      <fo:table-row   height="1.92cm"  >
        <fo:table-cell    number-columns-spanned="1">
<fo:block />
        </fo:table-cell>
    </fo:table-row>
    </fo:table-body>
    </fo:table>
    </fo:table-cell>
    </fo:table-row>
  </fo:table-body>
</fo:table>


<xsl:comment> END Area Report Footer  </xsl:comment>
</fo:block>
</fo:table-cell>
</fo:table-row>
  </fo:table-body>
</fo:table>


<xsl:comment> END Area Report Header  </xsl:comment>
<fo:block id="last-page"/></fo:flow>
</fo:page-sequence>
</fo:root>
</xsl:template>
<xsl:template name="string-replace-all">
    <xsl:param name="text" />
    <xsl:param name="replace" />
    <xsl:param name="by" />
    <xsl:choose>
        <xsl:when test="$text = '' or $replace = ''or not($replace)" >
            <!-- Prevent this routine from hanging -->
            <xsl:value-of select="$text" />
        </xsl:when>
        <xsl:when test="contains($text, $replace)">
            <xsl:value-of select="substring-before($text,$replace)" />
            <xsl:value-of select="$by" />
            <xsl:call-template name="string-replace-all">
                <xsl:with-param name="text" select="substring-after($text,$replace)" />
                <xsl:with-param name="replace" select="$replace" />
                <xsl:with-param name="by" select="$by" />
            </xsl:call-template>
        </xsl:when>
        <xsl:otherwise>
            <xsl:value-of select="$text" />
        </xsl:otherwise>
    </xsl:choose>
</xsl:template></xsl:stylesheet>