Under responsible lending obligations, when must the broker note in the loan application when the applicant/s plan to retire (age) and, where retirement is likely to be prior to the completion of the loan term requested, what is their strategy for servicing and/or repayment of the debt following retirement? 1.In all applications regardless of age 2.Where any applicant is aged 45 years or over at the time of application 3.Where the applicant will be aged 70 years at completion of their 30 year loan term