THEORY QUESTIONS Q1. Describe in your own words the term of 'Responsible Lending' with regards to Home Loan Applications (10pts) Your answer Q.2. What is your understanding of 'adverse credit bureau/report'? Give us three examples (10pts) Your answer THEORY QUESTIONS Q.3. Why do we need to ask the customer about their Future financial circumstances? (10pts) Your answer Q.4. Explain in your own words the purposes of ANZ verifying 3 months of bank statements for all of customer's loans (both being refinanced and not being refinanced) (10pts) Your