Redraw Facility Agreement



 Exhibit 10.4 
 Series 2007-1G WST Trust 
 Redraw Facility Agreement 
 J.P. Morgan Trust Australia Limited 
 (Trustee) 
 Westpac Banking Corporation 
 (Redraw Facility Provider) 
 Westpac Securitisation Management Pty Limited 
 (Trust Manager) 
 Allens Arthur Robinson

 Deutsche Bank Place 
 Corner Hunter
and Phillip Streets 
 Sydney NSW 2000 
 Tel 61 2 9230 4000 
 Fax 61 2 9230 5333 
 www.aar.com.au 
 © Copyright Allens Arthur Robinson 2007 









			
	Series 2007-1G WST Trust Redraw Facility Agreement	  	




  

  

							
	Table of Contents	  	
			
	1.	  	Definitions and Interpretation	  	1
		  	1.1	  	Definitions	  	1
		  	1.2	  	Master Trust Deed definitions	  	3
		  	1.3	  	Interpretation	  	3
		  	1.4	  	Determination, statement and certificate sufficient evidence	  	3
		  	1.5	  	Transaction Document	  	3
		  	1.6	  	Limited to Trust	  	3
			
	2.	  	Purpose	  	4
			
	3.	  	Drawings	  	4
		  	3.1	  	Redraw Advance	  	4
		  	3.2	  	Making of Redraw Advances	  	4
			
	4.	  	Fees	  	4
		  	4.1	  	Availability fee	  	4
		  	4.2	  	Draw Fee	  	5
		  	4.3	  	Capitalisation	  	5
		  	4.4	  	GST	  	5
			
	5.	  	Cancellation of Redraw Limit	  	6
		  	5.1	  	During Term	  	6
		  	5.2	  	At end of Term	  	6
		  	5.3	  	Cancellation by Redraw Facility Provider	  	6
			
	6.	  	Repayment	  	6
		  	6.1	  	Repayment of Redraw Advances	  	6
		  	6.2	  	Final repayment	  	6
			
	7.	  	Prepayments	  	7
		  	7.1	  	Voluntary prepayments	  	7
		  	7.2	  	Draw Fee	  	7
		  	7.3	  	Limitation on prepayments	  	7
			
	8.	  	Payments	  	7
		  	8.1	  	Manner	  	7
		  	8.2	  	Payment to be made on Business Day	  	7
		  	8.3	  	Appropriation where insufficient moneys available	  	7
			
	9.	  	Changes in Law	  	7
		  	9.1	  	Additional payments	  	7
		  	9.2	  	Minimisation	  	8
		  	9.3	  	Survival	  	9
			
	10.	  	Conditions Precedent	  	9
		  	10.1	  	Conditions precedent to initial Drawdown Notice	  	9
		  	10.2	  	Conditions precedent to each Redraw Advance	  	9
			
	11.	  	Representations and Warranties	  	9
		  	11.1	  	Representations and warranties	  	9

  



			
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		  	11.2	  	Reliance on representations and warranties	  	11
			
	12.	  	Undertakings	  	11
		  	12.1	  	General undertakings	  	11
		  	12.2	  	Undertakings relating to Trust	  	12
		  	12.3	  	Term of undertakings	  	12
			
	13.	  	Events of Default	  	13
		  	13.1	  	Events of Default	  	13
		  	13.2	  	Consequences	  	13
			
	14.	  	Control Accounts	  	13
			
	15.	  	Waivers, Remedies Cumulative	  	13
			
	16.	  	Severability of Provisions	  	14
			
	17.	  	Survival of Representations	  	14
			
	18.	  	Indemnity and Reimbursement Obligation	  	14
			
	19.	  	Moratorium Legislation	  	14
			
	20.	  	Consents and Opinions	  	14
			
	21.	  	Assignments	  	14
			
	22.	  	Notices	  	15
			
	23.	  	Authorised Signatories	  	15
			
	24.	  	Governing Law and Jurisdiction	  	15
			
	25.	  	Counterparts	  	15
			
	26.	  	Acknowledgement by Trustee	  	15
			
	27.	  	Limited Recourse	  	16
		  	27.1	  	General	  	16
		  	27.2	  	Liability of Trustee limited to its right to indemnity	  	16
		  	27.3	  	Unrestricted remedies	  	17
		  	27.4	  	Restricted remedies	  	17
			
	28.	  	Redraw Facility Provider’s Obligations	  	17
			
	29.	  	Successor Trustee	  	17
			
	30.	  	Code of Banking Practice (2003)	  	18
		
	ANNEXURE A	  	21
		  	DRAWDOWN NOTICE	  	21
		
	ANNEXURE B	  	22
		  	VERIFICATION CERTIFICATE	  	22

  



			
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	 Date
	  	2007
		
	 Parties
	  	
		
	 1.
	  	J.P. Morgan Trust Australia Limited (ABN 49 050 294 052) of Level 4, 35 Clarence Street, Sydney NSW 2000 in its capacity as trustee of the Series 2007-1G WST Trust (the
Trustee);
		
	 2.
	  	Westpac Banking Corporation (ABN 33 007 457 141) incorporated in New South Wales of Level 20, 275 Kent Street, Sydney, New South Wales (the Redraw Facility
Provider); and
		
	 3.
	  	Westpac Securitisation Management Pty Limited (ABN 73 081 709 211) incorporated in the Australian Capital Territory, of Level 20, 275 Kent Street, Sydney, New South
Wales (the Trust Manager).
		
	 Recitals
	  	
		
		  	The Trustee has requested the Redraw Facility Provider to provide the Trustee with a redraw facility under which loans of up to an aggregate amount equal to the Redraw Limit may be made
available to the Trustee.

 IT IS AGREED as follows. 
  

	1.	Definitions and Interpretation 

  

	1.1	Definitions 

 In this agreement the following
definitions apply unless the context requires otherwise, or unless otherwise defined. 
 Available Redraw Amount means at any
time the greater of: 
  

	 	(a)	the Redraw Limit at the time less: 

  

	 	(i)	the Principal Outstanding at that time; 

  

	 	(ii)	the Carryover Redraw Charge Offs at that time; and 

  

	 	(b)	zero. 

 Bank Bill Rate has the meaning given
in the Series Notice, but on the first Reset Date of any Redraw Advance the Bank Bill Rate shall be an interpolated rate calculated with reference to the tenor of the period from that Reset Date to (but not including) the next Reset
Date. 
 Drawdown Date means, in relation to a Redraw Advance, the Payment Date on which the Redraw Advance is or is to be made
under this agreement. 
  



			
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 Drawdown Notice means a notice under clause 3.1. 
 Event of Default means any of the events specified in clause 13. 
 Final Repayment Date means the date on which the Term ends. 
 Master Trust Deed means the deed entitled “Master Trust Deed” between the Trustee and The Mortgage Company Pty Limited dated 14 February 1997. 
 Principal Outstanding means, at any time, the total principal amount of all outstanding Redraw Advances at that time less the Carryover
Redraw Charge Offs at that time. 
 Redraw Advance means any advance made or to be made under this agreement. 
 Redraw Limit means $100,000,000 or any other amount as agreed in writing between the Redraw Facility Provider, the Trustee and the Trust
Manager, as reduced or cancelled under this agreement, provided that the Redraw Limit may not be increased unless the Designated Rating Agency for each Class of Notes has confirmed in writing that the increase would not result in a downgrading of
the rating given to any Note of the relevant Class or the withdrawal of the rating of any Note of the relevant Class. 
 Reset
Date means in relation to a Redraw Advance: 
  

	 	(a)	the Drawdown Date for that Redraw Advance; and 

  

	 	(b)	each Payment Date while that Redraw Advance is outstanding. 

 Series Notice means the Series Notice issued by the Trust Manager under the Master Trust Deed on or about the date of this agreement. 
 Term means the period commencing on the date of this agreement and expiring on the earliest of: 
  

	 	(a)	the date which is one month after the Notes have been redeemed in full in accordance with the Master Trust Deed and the Series Notice; 

  

	 	(b)	the date declared by the Redraw Facility Provider under clause 13.2(b); 

  

	 	(c)	the date on which the Trustee enters into a redraw facility to replace this agreement with any other person to enable it to fund Redraw Shortfalls; 

  

	 	(d)	at the election of the Redraw Facility Provider, the date on which Westpac Securitisation Management Pty Limited retires or is removed as Trust Manager under the Master Trust Deed;


  

	 	(e)	the date on which the Redraw Limit is cancelled in full by the Trustee under clause 5.1; 

  

	 	(f)	the date which is one year after the Maturity Date; and 

  

	 	(g)	the date on which the Redraw Limit is cancelled in full by the Redraw Facility Provider under clause 5.3. 

 Trust means the Series 2007-1G WST Trust constituted under the Master Trust Deed on the terms of the Series Notice. 
 Trust Document means: 
  

	 	(a)	this agreement; 

  

	 	(b)	the Master Trust Deed; 

  



			
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	 	(c)	the Notice of Creation of Trust; 

  

	 	(d)	the Series Notice; 

  

	 	(e)	the Note Trust Deed; 

  

	 	(f)	the Agency Agreement; 

  

	 	(g)	the Security Trust Deed; and 

  

	 	(h)	the Servicing Agreement. 

 Trustee means the
trustee of the Trust at the date of this agreement or any person which becomes a successor trustee under clause 24 of the Master Trust Deed. 
  

	1.2	Master Trust Deed definitions 

 Words and
expressions which are defined in the Master Trust Deed (as amended by the Series Notice) and the Series Notice (including in each case by reference to another agreement) have the same meanings when used in this agreement, unless the context
otherwise requires or unless otherwise defined in this agreement. 
  

	1.3	Interpretation 

 Clause 1.2 of the Master Trust Deed
applies to this agreement as if set out in full, except that references to this deed are references to this agreement and: 
  

	 	(a)	a reference to an asset includes any real or personal, present or future, tangible or intangible property or asset and any right, interest, revenue or benefit in,
under or derived from the property or asset; 

  

	 	(b)	an Event of Default subsists until it has been waived in writing by the Redraw Facility Provider; and 

  

	 	(c)	a reference to an amount for which a person is contingently liable includes an amount which that person may become actually or contingently liable to pay if a
contingency occurs, whether or not that liability will actually arise. 

  

	1.4	Determination, statement and certificate sufficient evidence 

 Except where otherwise provided in this agreement any determination, statement or certificate by the Redraw Facility Provider or an Authorised Signatory of the Redraw Facility Provider provided for in this agreement
is sufficient evidence unless proven wrong. 
  

	1.5	Transaction Document 

 This agreement is a
Transaction Document for the purposes of the Master Trust Deed. 
  

	1.6	Limited to Trust 

 The rights and obligations of the
parties under this agreement relate only to the Trust, and do not relate to any other Trust (as defined in the Master Trust Deed). Without limitation, the Redraw Facility Provider has no obligation under this agreement to provide financial
accommodation to the Trustee as trustee of any other such Trust. 
  



			
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	2.	Purpose 

 The Trust Manager directs to the Trustee
to, and the Trustee shall, apply the proceeds of each Redraw Advance to fund Redraw Shortfalls in relation to the Trust by paying it to Westpac in accordance with clause 5.3 of the Series Notice, and for no other purpose. 
  

	3.	Drawings 

  

	3.1	Redraw Advance 

  

	 	(a)	Subject to this agreement, if on any Determination Date the Trust Manager determines that there is a Redraw Shortfall in relation to the Collection Period ending immediately prior
to that Determination Date the Trust Manager must direct the Trustee to, and the Trustee shall (subject to this agreement and the Series Notice), request a Redraw Advance by giving to the Redraw Facility Provider a Drawdown Notice.


  

	 	(b)	A Drawdown Notice must be: 

  

	 	(i)	in writing; 

  

	 	(ii)	in or substantially in the form of Annexure A; 

  

	 	(iii)	signed by an Authorised Signatory of the Trustee; and 

  

	 	(iv)	given not later than 11.00 am (Sydney time) on the Remittance Date following that Collection Period. 

  

	 	(c)	The amount requested in a Drawdown Notice must be the lesser of: 

  

	 	(i)	the relevant Redraw Shortfall; and 

  

	 	(ii)	the Available Redraw Amount at that time (but assuming the repayment of all Redraw Advances due to be repaid on or before the relevant Drawdown Date). 

  

	3.2	Making of Redraw Advances 

  

	 	(a)	Subject to the terms of this agreement, a Redraw Advance requested in a Drawdown Notice shall be made available by the Redraw Facility Provider paying the proceeds of that Redraw
Advance to Westpac. 

  

	 	(b)	The Redraw Facility Provider is not obliged to provide a Redraw Advance to the extent that the aggregate of Principal Outstanding and the Carryover Redraw Charge Offs would exceed
the Redraw Limit. 

  

	4.	Fees 

  

	4.1	Availability fee 

  

	 	(a)	An availability fee accrues at 0.07% per annum on the daily amount of the Available Redraw Amount (if any) due from day to day from the date of this agreement.


  

	 	(b)	The availability fee is calculated on the actual number of days elapsed and a year of 365 days. 

  



			
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	 	(c)	The Trust Manager directs the Trustee to, and the Trustee shall, pay to the Redraw Facility Provider any accrued availability fee in arrears on: 

  

	 	(i)	each Payment Date; and 

  

	 	(ii)	at the end of the Term. 

  

	4.2	Draw Fee 

  

	 	(a)	A draw fee accrues due from day to day on the daily amount of each Redraw Advance at the following rates: 

  

	 	(i)	the sum of 0.18% per annum and the Bank Bill Rate calculated as of that date (if that date is a Reset Date) or (otherwise) the Reset Date immediately before that date, if the
Redraw Advance has been outstanding for less than 12 months; and 

  

	 	(ii)	the sum of 0.30% per annum and the Bank Bill Rate calculated as of that date (if that date is a Reset Date) or (otherwise) the Reset Date immediately before that date, if the
Redraw Advance has been outstanding for 12 months or more. 

  

	 	(b)	Each draw fee is calculated on the actual number of days elapsed and a year of 365 days. 

  

	 	(c)	The Trust Manager directs the Trustee to, and the Trustee shall, pay to the Redraw Facility Provider any accrued draw fee in arrears on: 

  

	 	(i)	each Payment Date; and 

  

	 	(ii)	at the end of the Term. 

  

	 	(d)	The Bank Bill Rate as at any date will be the Bank Bill Rate determined: 

  

	 	(i)	if that date is a Payment Date, on that Payment Date; and 

  

	 	(ii)	on any other date, on the Payment Date immediately preceding that date. 

  

	4.3	Capitalisation 

 Any draw fee payable under this
clause 4 which is not paid when due will immediately be capitalised. The draw fee is payable on any capitalised amount at the rate and in the manner referred to in this clause 4, even if the Term has expired. 
  

	4.4	GST 

 Neither the availability fee (as described in
clause 4.1) nor the draw margin specified in this clause 4 are to be increased by reference to any goods and services tax unless: 
  

	 	(a)	the Trustee, the Trust Manager and the Redraw Facility Provider otherwise agree (that agreement not to be unreasonably withheld); and 

  

	 	(b)	the increase will not result in a downgrading or withdrawal of the rating of any Notes. 

  



			
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	5.	Cancellation of Redraw Limit 

  

	5.1	During Term 

  

	 	(a)	On giving not less than 5 Business Days irrevocable notice to the Redraw Facility Provider the Trustee may cancel all or part of the Redraw Limit during the Term.


  

	 	(b)	A partial cancellation must be in a minimum of $100,000 and a whole multiple of $10,000 unless the Redraw Facility Provider agrees otherwise. 

  

	5.2	At end of Term 

 At the close of business (Sydney
time) on the last day of the Term the Redraw Limit will be cancelled. 
  

	5.3	Cancellation by Redraw Facility Provider 

  

	 	(a)	The Redraw Facility Provider may cancel all or part of the Redraw Limit during the Term immediately on giving notice to the Trustee and the Trust Manager. The Redraw Limit shall be
reduced by the amount of that cancellation on that notice. 

  

	 	(b)	On each Payment Date following that cancellation, the Trustee shall pay to the Redraw Facility Provider the lesser of: 

  

	 	(i)	an amount equal to the Principal Outstanding at that Payment Date less the Redraw Limit at that Payment Date (if positive); and 

  

	 	(ii)	any amount available for distribution to the Redraw Facility Provider under clauses 5.10(a)(vi) and 5.13(a)(ii) of the Series Notice. 

  

	 	(c)	Repayments under paragraph (b) will be applied against Redraw Advances in chronological order of their Drawdown Dates. 

  

	 	(d)	This clause does not affect the Redraw Facility Provider’s rights under clause 13 of this agreement or under clause 5.11(a)(ii)(A) of the Series Notice.


  

	6.	Repayment 

  

	6.1	Repayment of Redraw Advances 

 The Trustee shall
repay the Principal Outstanding on each Payment Date and at the end of the Term, to the extent that amounts are available for that purpose under clause 5.13(a)(ii) of the Series Notice. Those repayments will be applied against Redraw Advances in
chronological order of their Drawdown Dates. 
  

	6.2	Final repayment 

 If following the Final Repayment
Date, any Principal Outstanding or Carryover Redraw Charge Off has not been repaid after the distribution of all Assets of the Trust in accordance with the Series Notice, that Principal Outstanding or Carryover Redraw Charge Off will be cancelled
and the Trustee will have no further obligation to pay that amount under this agreement. 
  



			
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	7.	Prepayments 

  

	7.1	Voluntary prepayments 

 The Trustee may prepay all
or part of the Principal Outstanding with the consent of the Redraw Facility Provider and on at least 5 Business Days’ notice. The Trustee shall prepay in accordance with that notice. 
  

	7.2	Draw Fee 

 When the Trustee prepays any amount of
the Principal Outstanding, it shall also pay any draw fee accrued on that amount. 
  

	7.3	Limitation on prepayments 

 The Trustee may not
prepay all or any part of the Principal Outstanding except as set out in this agreement. 
  

	8.	Payments 

  

	8.1	Manner 

 The Trustee shall make all payments under
this agreement: 
  

	 	(a)	by cheque, electronic funds transfer or other agreed method to the Redraw Facility Provider at its address for service of notices or by transfer of immediately available funds to
the account specified by the Redraw Facility Provider and, in either case, by 4.00 pm (Sydney time) on the due date; and 

  

	 	(b)	without set-off, counterclaim or other deduction, except any compulsory deduction for Tax; and 

  

	 	(c)	in accordance with the directions of the Trust Manager, Master Trust Deed and the Series Notice. 

  

	8.2	Payment to be made on Business Day 

 If any payment
is due on a day which is not a Business Day, the due date will be the next Business Day. 
  

	8.3	Appropriation where insufficient moneys available 

 Subject to any express provision of this agreement, the Redraw Facility Provider may appropriate amounts it receives as between principal, draw fees, interest and other amounts then payable as it sees fit. This will override any
appropriation made by the Trustee. 
  

	9.	Changes in Law 

  

	9.1	Additional payments 

 Whenever the Redraw Facility
Provider determines that: 
  



			
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	 	(a)	the effective cost to the Redraw Facility Provider of making, funding or maintaining any Redraw Advance or the Redraw Limit is increased in any way; 

  

	 	(b)	any amount paid or payable to the Redraw Facility Provider or received or receivable by the Redraw Facility Provider, or the effective return to the Redraw Facility Provider, under
or in respect of this agreement is reduced in any way; 

  

	 	(c)	the return of the Redraw Facility Provider on the capital which is or becomes directly or indirectly allocated by the Redraw Facility Provider to any Redraw Advance or the Redraw
Limit is reduced in any way; or 

  

	 	(d)	to the extent any relevant law, official directive or request relates to or affects the Redraw Limit, any Redraw Advance or this agreement, the overall return on capital of the
Redraw Facility Provider or any of its holding companies is reduced in any way, 

 as a result of any change in, any making of
or any change in the interpretation or application by any Government Agency of, any law, official directive or request, then: 
  

	 	(e)	(when it has calculated the effect of the above and the amount to be charged to the Trustee under this clause) the Redraw Facility Provider shall promptly notify the Trust Manager
and the Trustee; and 

  

	 	(f)	on the following Payment Date from time to time the Trustee shall, subject to clause 5 of the Series Notice, pay for the account of the Redraw Facility Provider the amount certified
by an Authorised Signatory of the Redraw Facility Provider to be necessary to compensate the Redraw Facility Provider for the increased cost or the reduction (from the date of the notice). 

 Without limiting the above in any way, this clause applies: 
  

	 	(g)	to any law, official directive or request with respect to Taxation (other than any Tax on the net income of any person) or reserve, liquidity, capital adequacy, special deposit or
similar requirements; 

  

	 	(h)	to official directives or requests which do not have the force of law where it is the practice of responsible bankers or financial institutions in the country concerned to comply
with them; and 

  

	 	(i)	where the increased cost or the reduction arises because the Redraw Facility Provider is restricted in its capacity to enter other transactions, is required to make a payment, or
forgoes or earns reduced interest or other return on any capital or on any sum calculated by reference in any way to the amount of any Redraw Advance, the Redraw Limit or to any other amount paid or payable or received or receivable under this
agreement or allocates capital to any such sum. 

  

	9.2	Minimisation 

  

	 	(a)	(No defence) If the Redraw Facility Provider has acted in good faith it will not be a defence that any cost, reduction or payment referred to in this clause could have been
avoided. 

  

	 	(b)	(Minimisation) The Redraw Facility Provider shall use reasonable endeavours to minimise any cost, reduction or payment referred to in this clause. 


 



			
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	9.3	Survival 

 This clause survives the repayment of any
relevant Redraw Advance and the termination of this agreement. 
  

	10.	Conditions Precedent 

  

	10.1	Conditions precedent to initial Drawdown Notice 

 The right of the Trustee to give the initial Drawdown Notice and the obligations of the Redraw Facility Provider under this agreement are subject to the condition precedent that the Redraw Facility Provider receives all of the following in
form and substance satisfactory to the Redraw Facility Provider: 
  

	 	(a)	(verification certificate) a certificate in relation to the Trustee given by a director of the Trustee substantially in the form of Annexure B with the attachments referred
to and dated not earlier than 14 days before the first Drawdown Date; 

  

	 	(b)	(Trust Documents) a certified copy of each duly executed and (where relevant) stamped Trust Document; 

  

	 	(c)	(Master Trust Deed conditions precedent) evidence that the conditions precedent referred to in clause 13 of the Master Trust Deed have been satisfied;


  

	 	(d)	(Security Trust Deed) evidence that the Security Trust Deed has been or will be registered with each relevant Governmental Agency free from all prior Security Interests and
third party rights and interests; and 

  

	 	(e)	(Notes) evidence that the Notes have been issued. 

  

	10.2	Conditions precedent to each Redraw Advance 

 The
obligations of the Redraw Facility Provider to make available each Redraw Advance are subject to the further conditions precedent that: 
  

	 	(a)	(no default) no Event of Default subsists at the date of the relevant Drawdown Notice and the relevant Drawdown Date or will result from the provision of the Redraw Advance;
and 

  

	 	(b)	(representations true) the representations and warranties by the Trustee in this agreement are true as at the date of the relevant Drawdown Notice and the relevant Drawdown
Date as though they had been made at that date in respect of the facts and circumstances then subsisting. 

  

	11.	Representations and Warranties 

  

	11.1	Representations and warranties 

 The Trustee (in its
capacity as trustee of the Trust) makes the following representations and warranties (so far as they relate to the Trust). 
  

	 	(a)	(Status) It is a corporation validly existing under the laws of the place of its incorporation specified in this agreement. 

  



			
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	 	(b)	(Power) It has the power to enter into and perform its obligations under the Trust Documents to which it is expressed to be a party, to carry out the transactions
contemplated by those documents and to carry on its business as now conducted or contemplated. 

  

	 	(c)	(Corporate authorisations) It has taken all necessary corporate action to authorise the entry into and performance of the Trust Documents to which it is expressed to be a
party, and to carry out the transactions contemplated by those documents. 

  

	 	(d)	(Documents binding) Each Trust Document to which it is expressed to be a party is its valid and binding obligation enforceable in accordance with its terms, subject to any
necessary stamping and registration and to laws, defences and principles of equity generally affecting creditors’ rights. 

  

	 	(e)	(Transactions permitted) The execution and performance by it of the Trust Documents to which it is expressed to be a party and each transaction contemplated under those
documents do not violate in any respect a provision of: 

  

	 	(i)	a law or treaty or a judgment, ruling, order or decree of a Government Body binding on it; 

  

	 	(ii)	its constitution or other constituent documents; or 

  

	 	(iii)	any other document or agreement which is binding on it or its assets, 

 and, except as provided by the Trust Documents, did not and will not: 
  

	 	(iv)	create or impose a Security Interest on any of its assets; or 

  

	 	(v)	allow a person to accelerate or cancel an obligation with respect to any indebtedness in respect of financial accommodation, or constitute an event of default, cancellation event,
prepayment event or similar event (whatever called) under an agreement relating to any such indebtedness, whether immediately or after notice or lapse of time or both. 

  

	 	(f)	(Authorisations) Each Authorisation which is required in relation to: 

  

	 	(i)	the execution, delivery and performance by it of the Trust Documents to which it is expressed to be a party and the transactions contemplated by those documents;


  

	 	(ii)	the validity and enforceability of those documents; and 

  

	 	(iii)	its business as now conducted or contemplated and which is material, 

 has been obtained or effected. Each is in full force and effect. It has complied with each of them. It has paid all applicable fees for each of them. 
  

	 	(g)	(No misrepresentation) All information provided by it to the Redraw Facility Provider is true in all material respects at the date of this agreement or, if later, when
provided. 

  

	 	(h)	(Agreements disclosed) Each document or agreement to which it is a party and which is material to the Trust Documents or which has the effect of varying a Trust Document has
been disclosed to the Redraw Facility Provider in writing. 

  

	 	(i)	(Trust) The Trust has been validly created and is in existence at the date of this agreement. 

  

	 	(j)	(Trust power) It is empowered by the Master Trust Deed: 

  



			
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	 	(i)	to enter into and perform the Trust Documents to which it is expressed to be a party and to carry on the transactions contemplated by those documents; and 


 

	 	(ii)	to carry on the business of the Trust and to own Assets of the Trust, 

 in its capacity as trustee of the Trust. There is no restriction on or condition of its doing so. 
  

	 	(k)	(Trust authorisations) All necessary resolutions have been duly passed and all consents, approvals and other procedural matters have been obtained or attended to as required
by the Master Trust Deed for it to enter into and perform the Trust Documents to which it is expressed to be a party. 

  

	 	(l)	(Sole trustee) It has been validly appointed as trustee of the Trust and is the sole trustee of the Trust. 

  

	 	(m)	(Removal) No notice has been given to it, and so far as it is aware no resolution has been passed or direction or notice has been given removing it as trustee of the Trust.


  

	 	(n)	(No resettlement) Other than as permitted by the Trust Documents, it has not taken any action that will cause the property of the Trust to be re-settled, set aside or
transferred to any other trust. 

  

	 	(o)	(No termination) It has not taken any action that will cause the Trust to be terminated, nor has it taken any action that will result in the vesting of the Assets of the
Trust. 

  

	 	(p)	(Right of indemnity) It has not taken any action which will limit its right of indemnity out of, and lien over, the Assets of the Trust. 

  

	 	(q)	(Compliance with Master Trust Deed) It has complied with its obligations and duties under the Master Trust Deed, the Series Notice and (to the best of its knowledge and
belief) at law. No one has alleged that it has not so complied. 

  

	11.2	Reliance on representations and warranties 

 The
Trustee acknowledges that the Redraw Facility Provider has entered the Trust Documents in reliance on the representations and warranties in this clause. 
  

	12.	Undertakings 

  

	12.1	General undertakings 

 Each of the Trustee and the
Trust Manager undertake to the Redraw Facility Provider as follows in relation to the Trust, except to the extent that the Redraw Facility Provider consents. 
  

	 	(a)	(Authorisations) It will ensure that each Authorisation required for: 

  

	 	(i)	the execution, delivery and performance by it of the Trust Documents to which it is expressed to be a party and the transactions contemplated by those documents;


  

	 	(ii)	the validity and enforceability of those documents; and 

  

	 	(iii)	 the carrying on by it of its business as now conducted or contemplated, 



  



			
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is obtained and promptly renewed and maintained in full force and effect. It will pay all applicable fees for them. It will provide copies promptly to the
Redraw Facility Provider when they are obtained or renewed. 


  

	 	(b)	(Negative pledge) It will not create or allow to exist a Security Interest over the Assets of the Trust other than: 

  

	 	(i)	under the Trust Documents; or 

  

	 	(ii)	a lien arising by operation of law in the ordinary course of day-to-day trading and not securing indebtedness in respect of financial accommodation where it duly pays the
indebtedness secured by that lien other than indebtedness contested in good faith. 

  

	 	(c)	(Comply with obligations) It will duly and punctually comply with its obligations under the Trust Documents. 

  

	 	(d)	(Notice to Redraw Facility Provider) It will notify the Redraw Facility Provider as soon as it becomes aware of: 

  

	 	(i)	any Event of Default; and 

  

	 	(ii)	any proposal by a Government Agency to acquire compulsorily any Assets of the Trust. 

  

	12.2	Undertakings relating to Trust 

 The Trustee, as
trustee of the Trust, undertakes to the Redraw Facility Provider as follows, except to the extent that the Redraw Facility Provider consents. 
  

	 	(a)	(Amendment to Master Trust Deed) It will not consent to any amendment to the Master Trust Deed, the Series Notice or any other Trust Document that would change:


  

	 	(i)	the basis upon which the amount of any Redraw Advance to be made is calculated; 

  

	 	(ii)	the entitlement of the Trustee to request any Redraw Advance; or 

  

	 	(iii)	the basis of calculation or order of application of any amount to be paid or applied under clause 5 of the Series Notice. 

  

	 	(b)	(Resettlement) It will not take any action that will result in a resettlement, setting aside or transfer of any asset of the Trust other than a transfer which complies with
the Master Trust Deed, the Series Notice and the other Trust Documents. 

  

	 	(c)	(No additional trustee) It will act continuously as trustee of the Trust in accordance with the Master Trust Deed until the Trust has been terminated or until it has retired
or been removed in accordance with the Master Trust Deed. 

  

	12.3	Term of undertakings 

 Each undertaking in this
clause continues from the date of this agreement until all moneys actually or contingently owing under this agreement are fully and finally repaid. 
  



			
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	13.	Events of Default 

  

	13.1	Events of Default 

 Each of the following is an
Event of Default (whether or not it is in the control of the Trustee). 
  

	 	(a)	(Payments) An amount is available for payment under clause 6 and the Trustee does not pay that amount within 10 Business Days of its due date. 

  

	 	(b)	(Insolvency Event) An Insolvency Event occurs: 

  

	 	(i)	in relation to the Trust (as if it was a relevant corporation for the purposes of the definition of Insolvency Event); or 

  

	 	(ii)	in relation to the Trustee, and a successor trustee of the Trust is not appointed within 30 days of that Insolvency Event. 

  

	 	(c)	(Termination Date) The Termination Date occurs in relation to the Trust. 

  

	 	(d)	(Enforcement of Security Trust Deed) An Event of Default (as defined in the Security Trust Deed) occurs and any action is taken to enforce the Security Interest under the
Security Trust Deed over the Assets of the Trust (including appointing a receiver or receiver and manager or selling any of those Assets). 

  

	13.2	Consequences 

 In addition to any other rights
provided by law or any Trust Document, at any time after an Event of Default (whether or not it is continuing) the Redraw Facility Provider may do all or any of the following: 
  

	 	(a)	by notice to the Trustee and the Trust Manager declare all moneys actually or contingently owing under this agreement immediately due and payable, and the Trustee will immediately
pay the Principal Outstanding together with accrued interest and fees and all such other moneys; and 

  

	 	(b)	by notice to the Trustee and the Trust Manager cancel the Redraw Limit with effect from any date specified in that notice. 

  

	14.	Control Accounts 

 The accounts kept by the Redraw
Facility Provider constitute sufficient evidence, unless proven wrong, of the amount at any time due from the Trustee under this agreement. 
  

	15.	Waivers, Remedies Cumulative 

  

	 	(a)	No failure to exercise and no delay in exercising any right, power or remedy under this agreement operates as a waiver. Nor does any single or partial exercise of any right, power
or remedy preclude any other or further exercise of that or any other right, power or remedy. 

  

	 	(b)	The rights, powers and remedies provided to the Redraw Facility Provider in this agreement are in addition to, and do not exclude or limit, any right, power or remedy provided by
law. 

  



			
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	16.	Severability of Provisions 

 Any provision of this
agreement which is prohibited or unenforceable in any jurisdiction is ineffective as to that jurisdiction to the extent of the prohibition or unenforceability. That does not invalidate the remaining provisions of this agreement nor affect the
validity or enforceability of that provision in any other jurisdiction. 
  

	17.	Survival of Representations 

 All representations
and warranties in this agreement survive the execution and delivery of this agreement and the provision of advances and accommodation. 
  

	18.	Indemnity and Reimbursement Obligation 

 Unless
stated otherwise, each indemnity, reimbursement or similar obligation in this agreement: 
  

	 	(a)	is a continuing obligation; 

  

	 	(b)	is a separate and independent obligation; 

  

	 	(c)	is payable on demand; and 

  

	 	(d)	survives termination or discharge of this agreement. 

  

	19.	Moratorium Legislation 

 To the full extent
permitted by law, all legislation which at any time directly or indirectly: 
  

	 	(a)	lessens, varies or affects in favour of the Trustee any obligation under a Trust Document; or 

  

	 	(b)	delays, prevents or prejudicially affects the exercise by the Redraw Facility Provider of any right, power or remedy conferred by this agreement, 

 is excluded from this agreement. 
  

	20.	Consents and Opinions 

 Except where expressly
stated the Redraw Facility Provider may give or withhold, or give conditionally, approvals and consents, may be satisfied or unsatisfied, may form opinions, and may exercise its rights, powers and remedies, at its absolute discretion. 
  

	21.	Assignments 

 Neither party may assign or transfer
any of its rights or obligations under this agreement without the prior written consent of the other party, or if the rating of the Notes would be withdrawn or reduced as a result of the assignment. 
  



			
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	22.	Notices 

 All notices, requests, demands, consents,
approvals, agreements or other communications to or by a party to this agreement: 
  

	 	(a)	must be in writing; 

  

	 	(b)	must be signed by an Authorised Signatory of the sender; and 

  

	 	(c)	will be taken to be duly given or made: 

  

	 	(i)	(in the case of delivery in person or by post) when delivered, received or left at the address of the recipient shown in this agreement or to any other address which it may have
notified the sender; 

  

	 	(ii)	(in the case of facsimile transmission) on receipt of a transmission report confirming successful transmission; and 

  

	 	(iii)	(in the case of a telex) on receipt by the sender of the answerback code of the recipient at the end of transmission, 

 but if delivery or receipt is on a day on which business is not generally carried on in the place to which the communication is sent or is later than 4.00
pm (local time), it will be taken to have been duly given or made at the commencement of business on the next day on which business is generally carried on in that place. 
  

	23.	Authorised Signatories 

 The Trustee irrevocably
authorises the Redraw Facility Provider to rely on a certificate by persons purporting to be its directors and/or secretaries as to the identity and signatures of its Authorised Signatories. The Trustee warrants that those persons have been
authorised to give notices and communications under or in connection with this agreement. 
  

	24.	Governing Law and Jurisdiction 

 This agreement is
governed by the laws of New South Wales. The Trustee submits to the non-exclusive jurisdiction of courts exercising jurisdiction there. 
  

	25.	Counterparts 

 This agreement may be executed in any
number of counterparts. All counterparts together will be taken to constitute one instrument. 
  

	26.	Acknowledgement by Trustee 

 The Trustee confirms
that: 
  

	 	(a)	it has not entered into this agreement in reliance on, or as a result of, any statement or conduct of any kind of or on behalf of the Redraw Facility Provider (including any advice,
warranty, representation or undertaking); and 

  



			
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	 	(b)	the Redraw Facility Provider is not obliged to do anything (including disclose anything or give advice), 

 except as expressly set out in this agreement. 
  

	27.	Limited Recourse 

  

	27.1	General 

 Clause 33 of the Master Trust Deed applies
to the obligations and liabilities of the Trustee and the Trust Manager under this agreement. 
  

	27.2	Liability of Trustee limited to its right to indemnity 

  

	 	(a)	The Trustee enters into this agreement only in its capacity as trustee of the Trust and in no other capacity. A liability arising under or in connection with this agreement or the
Trust can be enforced against the Trustee only to the extent to which it can be satisfied out of property of the Trust out of which the Trustee is actually indemnified for the liability. This limitation of the Trustee’s liability applies
despite any other provision of this agreement and extends to all liabilities and obligations of the Trustee in any way connected with any representation, warranty, conduct, omission, agreement or transaction related to this agreement or the Trust.


  

	 	(b)	The parties other than the Trustee may not sue the Trustee in any capacity other than as trustee of the Trust or seek the appointment of a receiver (except under the Security Trust
Deed), or a liquidator, an administrator or any similar person to the Trustee or prove in any liquidation, administration or arrangements of or affecting the Trustee. 

  

	 	(c)	The provisions of this clause 27 shall not apply to any obligation or liability of the Trustee to the extent that it is not satisfied because under a Transaction Document or by
operation of law there is a reduction in the extent of the Trustee’s indemnification out of the Assets of the Trust as a result of the Trustee’s fraud, negligence or breach of trust. 

  

	 	(d)	It is acknowledged that the Trust Manager, the Servicer, the Currency Swap Provider, the Note Trustee, the Principal Paying Agent, the other Paying Agents and the Calculation Agent
(each a Relevant Party) are responsible under this agreement and the other Transaction Documents for performing a variety of obligations relating to the Trust. No act or omission of the Trustee (including any related failure to satisfy
its obligations under this agreement) will be considered fraud, negligence or breach of trust of the Trustee for the purpose of sub-paragraph (c) to the extent to which the act or omission was caused or contributed to by any failure by any
Relevant Party or any other person who provides services in respect of the Trust (other than a person who has been delegated or appointed by the Trustee and for whom the Trustee is responsible under this agreement or the relevant Transaction
Documents, but excluding any Relevant Party) to fulfil its obligations relating to the Trust or by any other act or omission of a Relevant Party or any other person who provides services in respect of the Trust (other than a person who has been
delegated or appointed by the Trustee and for whom the Trustee is responsible under this agreement or the relevant Transaction Documents, but excluding any Relevant Party). 

  



			
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	 	(e)	No attorney, agent, receiver or receiver and manager appointed in accordance with this agreement or any other Transaction Documents (including a Relevant Party) has authority to act
on behalf of the Trustee in a way which exposes the Trustee to any personal liability and no act or omission of any such person will be considered fraud, negligence or breach of trust of the Trustee for the purpose of sub-paragraph (c), if the
Trustee has exercised reasonable care in the selection and supervision of such a person. 

  

	27.3	Unrestricted remedies 

 Nothing in clause 27.2
limits the Redraw Facility Provider in: 
  

	 	(a)	obtaining an injunction or other order to restrain any breach of this agreement by any party; 

  

	 	(b)	obtaining declaratory relief; or 

  

	 	(c)	in relation to its rights under the Security Trust Deed. 

  

	27.4	Restricted remedies 

 Except as provided in clause
27.3, the Redraw Facility Provider shall not: 
  

	 	(a)	(judgment) obtain a judgment for the payment of money or damages by the Trustee; 

  

	 	(b)	(statutory demand) issue any demand under s459E(1) of the Corporations Act (or any analogous provision under any other law) against the Trustee; 

  

	 	(c)	(winding up) apply for the winding up or dissolution of the Trustee; 

  

	 	(d)	(execution) levy or enforce any distress or other execution to, on, or against any assets of the Trustee; 

  

	 	(e)	(court appointed receiver) apply for the appointment by a court of a receiver to any of the assets of the Trustee; 

  

	 	(f)	(set-off or counterclaim) exercise or seek to exercise any set-off or counterclaim against the Trustee; or 

  

	 	(g)	(administrator) appoint, or agree to the appointment, of any administrator to the Trustee, 

 or take proceedings for any of the above and the Redraw Facility Provider waives its rights to make those applications and take those proceedings.

  

	28.	Redraw Facility Provider’s Obligations 

 The
Trustee shall have no recourse to the Redraw Facility Provider in relation to this agreement beyond its terms, and the Redraw Facility Provider’s obligations under this agreement are separate from, and independent to, any obligations the Redraw
Facility Provider may have to the Trustee for any other reason (including under any other Trust Document). 
  

	29.	Successor Trustee 

 The Redraw Facility Provider
shall do all things reasonably necessary to enable any successor Trustee appointed under clause 24 of the Master Trust Deed to become the Trustee under this agreement. 
  



			
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	30.	Code of Banking Practice (2003) 

 The Code of
Banking Practice 2003 does not apply to this agreement or any banking service provided under it. 
  



			
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 EXECUTED in Sydney. 
 Each attorney executing this agreement states that he has no notice of revocation or suspension of his power of attorney. 
  

							
	SIGNED on behalf of	 	)	  		 	
	J.P. MORGAN TRUST AUSTRALIA LIMITED	 	)	  		 	
	by its attorneys	 	)	  		 	
	in the presence of:	 	)	  		 	 /s/ Jennifer Scott-Gray

		 		  		 	Signature
				
	 /s/ James Clifford
	 		  		 	 Jennifer Scott-Gray

	Witness	 		  		 	Print name
				
	 James Clifford
	 		  		 	
	Print name	 		  		 	
				
	SIGNED on behalf of	 	)	  		 	
	WESTPAC BANKING CORPORATION	 	)	  		 	
	by its attorneys	 	)	  		 	
	in the presence of:	 	)	  		 	 /s/ G.P.D. Rennie

		 		  		 	Signature
				
	 /s/ James Clifford
	 		  		 	 G.P.D. Rennie

	Witness	 		  		 	Print name
				
	 James Clifford
	 		  		 	 /s/ Michael John Page

	Print name	 		  		 	Signature
				
		 		  		 	 Michael John Page

		 		  		 	Print name

  



			
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	SIGNED on behalf of	 	)	  		 	
	WESTPAC SECURITISATION	 	)	  		 	
	MANAGEMENT PTY LIMITED	 	)	  		 	
	by its attorneys	 	)	  		 	
	in the presence of:	 	)	  		 	 /s/ John Lowrey

		 		  		 	Signature
				
	 /s/ James Clifford
	 		  		 	 John Lowrey

	Witness	 		  		 	Print name
				
	 James Clifford
	 		  		 	
	Print name	 		  		 	

  



			
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 ANNEXURE A 
 DRAWDOWN NOTICE 
 To: Westpac Banking Corporation 
 REDRAW FACILITY AGREEMENT - DRAWDOWN NOTICE NO. [*] 
 We refer to the Redraw Facility Agreement dated 2007 (the Facility
Agreement). 
 Under clause 3.1 of the Facility Agreement we give you irrevocable notice as follows: 
  

	(1)	we wish to draw on [*] (the Drawdown Date); [NOTE: Date is to be a Business Day.] 

  

	(2)	the principal amount of the Redraw Advance is $[*]; [NOTE: Amount to comply with the limits in clause 3.] 

  

	(3)	we request that the proceeds be remitted to account number [*] at [*]; 

 [NOTE: The account(s) to be completed only if funds not required in repayment of any previous Redraw Advance(s).] 
  

	(4)	we represent and warrant that no Event of Default under the Facility Agreement, and no Event of Default as defined in the Security Trust Deed, subsists or will result from the
drawing; and 

  

	(5)	all representations and warranties under clause 11 of the Facility Agreement are true as though they had been made at the date of this Drawdown Notice and the Drawdown Date
specified above in respect of the facts and circumstances then subsisting. 

 Definitions in the Facility Agreement apply in this Drawdown
Notice. 
  

					
	 J.P. MORGAN TRUST AUSTRALIA LIMITED as trustee of the Series 2007-1G WST Trust

			
	By:	 		 	[Authorised Signatory]
			
	 DATED
	 		 	

  



			
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 ANNEXURE B 
 VERIFICATION CERTIFICATE 
 To: Westpac Banking Corporation 
 REDRAW FACILITY AGREEMENT 
 I [*] am an [attorney / Authorised Signatory] of J.P. Morgan Trust
Australia Limited (the Company). 
 I refer to the Redraw Facility Agreement (the Facility Agreement) dated
             2007 between the Company as Trustee, Westpac Banking Corporation and Westpac Securitisation Management Pty Limited. 
 Definitions in the Facility Agreement apply in this Certificate. 
 I
CERTIFY as follows. 
  

	1.	Attached to this Certificate are complete and up to date copies of: 

  

	 	(a)	unless paragraph 2 below applies, the constitution of the Company (marked A); and 

  

	 	(b)	a power of attorney granted by the Company for the execution of the Facility Agreement to which it is expressed to be a party (marked B). That power of attorney has
not been revoked or suspended by the Company and remains in full force and effect. 

  

	2.	If the constitution of the Company is not attached to this certificate, there has been no change to them since the Company last gave a certified copy of them to Westpac Banking
Corporation. 

  

	3.	The following are signatures of the Authorised Signatories of the Company and the persons who have been authorised to sign the Facility Agreement and to give notices and
communications under or in connection with the Facility Agreement. If no signatures are set out below, the Authorised Signatories with respect to the Facility Agreement have the same meaning as given in the Master Trust Deed.


  

					
	Authorised Signatories	 		 	
			
	 Name
	 	Position	 	Signature
			
	 *
	 	*	 	  

			
	 *
	 	*	 	  

			
	 *
	 	*	 	  

			
	Signatories	 		 	
			
	 Name
	 	Position	 	Signature
			
	 *
	 	*	 	  

			
	 *
	 	*	 	  

			
	 *
	 	*	 	  


  



			
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	Signed:	  	  
	  	
		  	[Attorney / Authorised Signatory]	  	
			
		  	  
	  	
		  	Print name	  	
			
	DATED	  		  	

  



			
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