Target Market Determination

1. About this document

This document sets out the class of consumers for which our product is designed and likely appropriate for (target market), and conditions and circumstances for how the product can be distributed and when it needs to be reviewed. This is to make sure we're keeping consumers at the centre of our approach to the design and distribution of our financial products .

This TMD is not a summary of the terms and conditions of this product and does not constitute financial advice. Consumers should refer to the terms and conditions before acquiring the product to ensure that it is appropriate for their particular objectives, financial situation and needs. It applies to :

• Product: Personal Loan
• Issuer: Swift Loans Australia Pty Ltd ABN 59 600 167 084, Australian Credit Licence 461533
• Effective date: 1 June 2026

2. Target market

Description of the target market

We have assessed that this product is likely to meet the likely objectives, financial situation and needs of consumers who :

• are individuals, at least 18 years of age and meet Cash Champions' eligibility and lending criteria;
• require credit of $5,000 to $10,000 for various personal purposes over a fixed term and with a fixed interest rate;
• require the loan funds to be promptly disbursed into their nominated bank account;
• require a loan application and approval process which is easy, online and seamless;
• do not require access to revolving credit;
• demonstrates the financial capacity to meet their payment obligations under the loan (i.e. pay the principal repayments and fees for the product when they become due and payable) without substantial hardship.

We consider that this product may not meet the likely objectives, financial situation and needs of a consumer who :

• wants to deal with a lender in person or via a branch;
• want a variable rate that could change over the life of the loan;
• requires access to revolving credit; or
• requires funds for business purposes.

3. Product description and key attributes

4. Distribution conditions and restrictions

Distribution Channels:

Cash Champions distributes the product directly to consumers via an online application form on our website at cashchampions.com.au. This product cannot be distributed through third parties .

Distribution conditions and assessment:

Applications are received electronically. The application form includes questions which seek to help us identify whether the applicant falls within the target market for the product. Financial data is verified via applicant-provided access to the applicant's bank account statements. The verified data and application details are assessed against a defined set of credit assessment criteria .

5. Reviewing this TMD

We will review this TMD in accordance with the below :

Initial review: Annually, from the Effective date.
Periodic reviews: At least annually following the last review, with the review completed by the anniversary date of the TMD, irrespective of whether or not a trigger event has occurred in that year .

Review triggers:

• occurrence of a significant dealing that is required to be reported to ASIC;
• a significant change in metrics, including but not limited to, the number and nature of complaints, unusual patterns or the proportions of hardship applications received, default, late or dishonour rates, and bad debts;
• the average number of loans per customer per year exceeds 6;
• a material change to the design or distribution of the product or the terms and conditions including related documentation;
• a material change in the law, regulator expectations or applicable industry standards that may affect the operation of the product.