AUTOMATED COLLECTION SERVICES PTY LTD ACN: 144 738 796, TRADING AS ACS ASSET MANAGEMENT, IS AUTHORISED UNDER AUSTRALIAN CREDIT LICENSE: 468425 AND PROVIDES SERVICING AND COLLECTIONS SUPPORT SERVICES ON BEHALF OF SMILE RIGHT CAPITAL PTY LTD ACN: 139 675 424. SMILE RIGHT PTY LTD ACN: 601 445 041 IS A CREDIT REPRESENTATIVE (NUMBER 496359) OF AUTOMATED COLLECTION SERVICES PTY LTD UNDER AUSTRALIAN CREDIT LICENSE 468425, AND MANAGES THE LOANS FOR SMILE RIGHT CAPITAL PTY LTD ACN: 139 675 424 - THE LENDER OF RECORD.