Document:

SCHEDULE
                                     to the
                                MASTER AGREEMENT

                         dated as of ____________, _____

                                     between

     Barclays Bank PLC                                              ("Party A")

     and

     Perpetual Trustees Consolidated Limited (ABN 81 004 029 841)
     in its capacity as trustee of the Crusade Global Trust No. 2
     of 2005                                                        ("Party B")

     and

     Crusade Management Limited (ABN 90 072 715 916)                ("Manager")

                                     PART 1

                TERMINATION PROVISIONS AND CERTAIN OTHER MATTERS

(1)  "SPECIFIED ENTITY" is not applicable in relation to Party A and Party B.

(2)  "SPECIFIED TRANSACTION" is not applicable.

(3)  (i) Sections 5(a)(ii), (iii), (iv), (v), (vi), (viii), 5(b)(ii), (iii) and
     (iv) will not apply to Party A or Party B.

     (ii) Replace Section 5(a)(i) with:

          "(i) FAILURE TO PAY OR DELIVER. Failure by the party to make when due
               any payment under this Agreement or delivery under Section
               2(a)(i) or 2(e) required to be made by it if such failure is not
               remedied at or before 10.00am on the tenth Local Business Day
               after the due date."

(4)  The "BANKRUPTCY" provisions of Section 5(a)(vii) are replaced by "An
     Insolvency Event under the Security Trust Deed has occurred in respect of
     Party A or Party B (the party the subject of the Insolvency Event will be
     the Defaulting Party); or ". In relation to Party A, the events described
     in the definition of Insolvency Event (under the Security Trust Deed) shall
     apply to it as if Party A was a relevant corporation referred to in that
     definition. The occurrence of an Insolvency Event under the Security Trust
     Deed in respect of Party B in its personal capacity will not constitute an
     Event of Default provided that within thirty Local Business Days of that
     occurrence, Party A, Party B and the Manager are able to procure the
     novation of this Agreement and all Transactions to a third party (who is
     notified to Party A) in respect of which the Designated Rating Agencies
     confirm that the novation will not cause a reduction or withdrawal of the
     ratings of the Class A-1 Notes, and Party A and Party B agree to execute
     such a novation agreement in standard ISDA form.

                                                                          Page 1

(5)  The "AUTOMATIC EARLY TERMINATION" provisions of Section 6(a):

     will not apply to Party A.
     will not apply to Party B.

(6)  PAYMENTS ON EARLY TERMINATION. For the purpose of Section 6(e) of this
     Agreement:

     (i)  Market Quotation will apply; and

     (ii) the Second Method will apply.

(7)  "TERMINATION CURRENCY" means US$.

(8)  Section 6(a) is amended by replacing "20 days" in line 3 with "10 Local
     Business Days".

(9)  The following is an ADDITIONAL TERMINATION EVENT:

     Party A fails to comply with the requirements of Section 17 (in which case
     Party A is the Affected Party).

(10) Add a new Section 6(aa) after Section 6(a):

                    "(aa) RESTRICTED TERMINATION RIGHTS

                         (i)  TERMINATION BY PARTY B: Party B must not designate
                              an Early Termination Date without the prior
                              written consent of the Note Trustee.

                         (ii) TRANSFER WHERE PARTY B DOES NOT GROSS-UP: If any
                              payment by Party B to Party A under this Agreement
                              is, or is likely to be, made subject to any
                              deduction or withholding on account of Tax, Party
                              B will endeavour to procure the substitution as
                              principal obligor under this Agreement in respect
                              of each affected Transaction of a Party B
                              incorporated in another jurisdiction approved by
                              Party A and the Note Trustee and in respect of
                              which the Designated Rating Agencies confirm that
                              the substitution will not cause a reduction or
                              withdrawal of the rating of any Notes."

(11) In Section 6(b)(ii), add the words "or to any other person approved by
     Party A" after the word "Affiliates" in the second last line of the first
     paragraph and add the words "so long as the transfer in respect of that
     Transaction would not lead to a downgrade or withdrawal of the then current
     rating of any Notes" after the words "ceases to exist" at the end of the
     first paragraph.

(12) Add the following sentence at the end of the last paragraph of Section
     6(b)(ii):

     "However, consent may be withheld if the other party considers (acting
     reasonably) that its credit exposure to the transferor would be adversely
     affected by the transfer."

(13) (i)  Replace paragraph (a) of Section 7 with the following:

          "(a) (i) (subject to sub-paragraph (ii)) Party A may make such a
          transfer, without the prior consent of any Designated Rating Agency or
          the other parties, pursuant to a consolidation, amalgamation with, or
          merger with or into, or transfer of all or substantially all of its
          assets to, or reorganisation, incorporation, reincorporation or
          reconstitution into or as another entity (but without prejudice to any
          other right or remedy under this Agreement); and

                                                                          Page 2

               (ii) the transfer referred to in sub-paragraph (i) may only be
          made where the transferee of all of Party A's interest or obligation
          in or under this Agreement has a short term credit rating of A-1+ from
          S&P and a long term credit rating of at least A2, a short term credit
          rating of P-1 from Moody's and a short term credit rating of F1 from
          Fitch Ratings and a long term credit rating of A+ from Fitch Ratings;
          and"

     (ii) Add a new paragraph to Section 7, immediately below paragraph (b):

     "(c) in the event that a trustee is appointed as a successor to Party B
          under the Trust Deed and the Supplementary Terms Notice (the
          "SUCCESSOR TRUSTEE"), Party A undertakes that it shall (unless, at the
          time the Successor Trustee is so appointed, Party A is entitled to
          terminate the Transaction under Section 6, in which case it may)
          execute a novation agreement novating to the Successor Trustee the
          Transaction on the same terms or on other terms to be agreed between
          Party A, Party B and the Successor Trustee, and give written notice to
          each Designated Rating Agency of such novation."

                                                                          Page 3

                                     PART 2
                               TAX REPRESENTATIONS

(1)  PAYER TAX REPRESENTATIONS

     For the purpose of Section 3(e) of the Agreement, Party A will make the
     following representation and Party B will make the following
     representation:

     It is not required by any applicable law, as modified by the practice of
     any relevant governmental revenue authority, of any Relevant Jurisdiction
     to make any deduction or withholding for or on account of any Tax from any
     payment (other than interest under Section 2(e), 6(d)(ii) or 6(e) of this
     Agreement) to be made by it to the other party under this Agreement. In
     making this representation, it may rely on:

     (i)  the accuracy of any representations made by the other party pursuant
          to Section 3(f) of this Agreement;

     (ii) the satisfaction of the agreement of the other party contained in
          Section 4(a)(i) or 4(a)(iii) of this Agreement and the accuracy and
          effectiveness of any document provided by the other party pursuant to
          Section 4(a)(i) or 4(a)(iii); and

     (iii) the satisfaction of the agreement of the other party contained in
          Section 4(d) of this Agreement,

     provided that it shall not be a breach of this representation where
     reliance is placed on clause (ii) and the other party does not deliver a
     form or document under Section 4(a)(iii) of the Agreement by reason of
     material prejudice to its legal or commercial position.

(2)  PAYEE TAX REPRESENTATIONS

     For the purpose of Section 3(f) of this Agreement, Party B makes the
     following representations:

     It is an Australian resident and does not derive payments under this
     Agreement in part or in whole carrying on business in a country outside
     Australia at or through a permanent establishment or itself in that
     country;

     For the purpose of Section 3(f) of this Agreement, Party A makes the
     following representation:

     It is fully eligible for the benefits of the "Business Profits" or
     "Industrial and Commercial Profits" provision, as the case may be, the
     "Interest" provision or the "Other Income" provision, if any, of the
     Specified Treaty with respect to any payment described in such provisions
     and received or to be received by it in connection with this Agreement and
     no such payment is attributable to a trade or business carried on by it
     through a permanent establishment in Australia.

     "Specified Treaty" means the tax treaty applicable between the United
     Kingdom and the Commonwealth of Australia.

                                                                          Page 4

                                     PART 3

                         AGREEMENT TO DELIVER DOCUMENTS

For the purpose of Sections 4(a)(i) and (ii) of this Agreement, each party
agrees to deliver the following document as applicable:

(a)  Other documents to be delivered are:

<TABLE>

PARTY REQUIRED TO                                                    DATE BY WHICH TO BE       COVERED BY SECTION
DELIVER DOCUMENT                FORM/DOCUMENT/CERTIFICATE                 DELIVERED           3(D) REPRESENTATION
-----------------------   ------------------------------------   --------------------------   -------------------

Manager                   Legal opinions as to the validity      Upon execution and                    No
                          and enforceability of the              delivery of this Agreement
                          obligations of Party B and the
                          Manager under this Agreement, the
                          Trust Deed, the Security Trust Deed
                          and the Class A-1 Notes in form and
                          substance and issued by legal
                          counsel reasonably acceptable to
                          Party A

Party B and the Manager   Certified copies of all corporate      Upon execution and                   Yes
                          authorisations (to be certified by     delivery of this Agreement
                          an Authorised Officer of the           or any relevant
                          relevant party) and any other          Confirmation
                          documents with respect to the
                          execution, delivery and performance
                          of this Agreement and each
                          Confirmation

Party A and Party B       Certificate of authority and           Upon execution and                   Yes
                          specimen signatures of individuals     delivery of this Agreement
                          executing this Agreement,              and thereafter upon
                          Confirmations and each Credit          request of the other party
                          Support Document (as applicable)

Manager                   Copies (certified to be true copies    Upon execution and                   Yes
                          by an authorised signatory of the      delivery of this Agreement
                          Manager) of the Trust Deed, the
                          Security Trust Deed, the Note Trust
                          Deed, the Supplementary Terms
                          Notice, the Notice of Creation of
                          Trust and the Agency Agreement.

Manager                   A copy (certified to be a true copy    Promptly upon any such               Yes
                          by an authorised signatory of the      document becoming
                          Manager) of any document amending or   effective in accordance
                          varying the terms of the Trust Deed,   with its terms
                          the Security Trust Deed, the Note
                          Trust Deed or the Supplementary
                          Terms Notice where such amendment
                          affects this Agreement or Party A's
                          rights or obligations under this
                          Agreement
</TABLE>

                                                                          Page 5

<TABLE>

Party A                   A legal opinion as to the capacity     Upon execution and                   Yes
                          and authority of Party A to enter      delivery of this Agreement
                          into, and perform its obligations
                          under this Agreement and each
                          Confirmation.

Manager                   A copy of any notice provided by the   At such time as the                  Yes
                          Manager to Class A-1 Noteholders.      relevant notice is
                                                                 provided by the Manager to
                                                                 Class A-1 Noteholders.
</TABLE>

                                                                          Page 6

                                     PART 4

                                  MISCELLANEOUS

(1)  ADDRESS FOR NOTICES. For the purpose of Section 12(a) of this Agreement:

     (a)  For notices regarding operation, payment and confirmation matters
          only, notices should be sent to the branch set out in the relevant
          Confirmation (as may be amended from time to time) with a copy, in the
          case of notices or communications relating to Sections 5, 6, 7, 11 or
          13, to:

          Barclays Bank PLC
          5 The North Colonnade
          Canary Wharf
          London E14 4BB
          United Kingdom

          Attention: Derivatives Director, Legal Division (marked urgent)
          Telephone: (+44) 207 773 2224
          Facsimile: (+44) 207 773 4932

     (b)  All notices or communications to Party B under this Agreement shall be
          sent to:

          Level 7, 9 Castlereagh Street, Sydney NSW 2000
          Attention: Manager, Securitisation
          Telephone: (+61) 2 9229 9000
          Facsimile: (+61) 2 9221 7870
          Telex:     N/A

     (c)  All notices or communications to the Manager under this Agreement
          shall be sent to:

          Level 12, 55 Market Street, Sydney NSW 2000
          Attention: Middle Office Compliance Manager
          Telephone: +61 2 9320 5526
          Facsimile: +61 2 9320 5589
          Telex:     N/A

(2)  PROCESS AGENT. For the purpose of Section 13(c):

     Party A appoints as its Process Agent: Not applicable

     Party B appoints as its Process Agent: Mallesons Stephen Jaques
                                            6th Floor
                                            Alder Castle
                                            10 Noble Street
                                            London EC2V 7JX
                                            United Kingdom

(3)  OFFICES. The provisions of Section 10(a) will not apply to this Agreement.

(4)  MULTIBRANCH PARTY. For the purpose of Section 10(c) of this Agreement:

     Party A is a not Multibranch Party and may act through its office in
     London.
     Party B is not a Multibranch Party.

                                                                          Page 7

(5)  CALCULATION AGENT. The Calculation Agent is Party A, unless:

     (i)  otherwise specified in a Confirmation in relation to the relevant
          Transaction; or

     (ii) an Event of Default (where Party A is the Defaulting Party) has
          occurred, in which case the Calculation Agent will be the Manager.

     All calculations made by the Calculation Agent must be made in good faith
     and through the exercise of the Calculation Agent's commercially reasonable
     judgment. If any party objects in good faith to any calculation made by the
     Calculation Agent, the parties must negotiate in good faith to agree on an
     independent lead dealer to make such calculation, and if they cannot so
     agree within three Business Days, they will each promptly choose an
     independent leading dealer and instruct such dealers to agree on another
     independent leading dealer to make such calculation. The calculation of any
     such dealer so appointed will be binding on the parties in the absence of
     manifest error and the costs of such appointment will be shared equally
     between Party A and Party B.

(6)  CREDIT SUPPORT DOCUMENTS. Details of any Credit Support Document:

     (i)  In relation to Party A: Nil

     (ii) In relation to Party B: Security Trust Deed

(7)  CREDIT SUPPORT PROVIDER.

     Credit Support Provider means in relation to Party A: Not applicable
     Credit Support Provider means in relation to Party B: Not applicable

(8)  NETTING OF PAYMENTS. Sub-paragraph (ii) of Section 2(c) will apply to
     Transactions entered into under this Agreement unless specified otherwise
     in a Confirmation.

(9)  GOVERNING LAW. This Agreement and each Confirmation will be governed by,
     and construed and enforced in accordance with, the laws in force in England
     and Wales.

(10) "AFFILIATE" will have the meaning specified in Section 14 of this
     Agreement. For the purposes of Section 3(c), each of Party B and the
     Manager are deemed not to have any Affiliates.

(11) All payments other than payments of Eligible Credit Support to be made to
     Party B under this Agreement by Party A must be made to the account
     specified in the Confirmation (the 'US$ Account').

Any payment so made will, to the extent of that payment, satisfy Party A's
obligation to Party B in respect of that payment.

                                                                          Page 8

                                     PART 5

                                OTHER PROVISIONS

(1)  REDUCTION OF PAYMENT OBLIGATIONS. In the event that a payment made by Party
     B to Party A under a Transaction is less than the amount which Party B
     would be required to pay Party A, the payment obligation of Party A to
     Party B shall be rateably reduced to the extent of the reduction in the
     amount paid by Party B to Party A. For the avoidance of doubt the payment
     of a reduced amount by Party A under this Agreement shall not constitute a
     breach of the payment obligations specified in Section 2(a)(i).

(2)  In Section 2(a)(i) add the following sentence:

          "Each payment will be by way of exchange for the corresponding payment
          or payments payable by the other party and, in the case of any payment
          payable by Party A to Party B, will be discharged by Party A
          depositing that payment by 10.00am (New York time) into the US$
          Account."

(3)  In Section 2(a)(ii), after "freely transferable funds" add the words and
     "save as required by law, free of any set-off, counterclaim, deduction or
     withholding (and except as expressly provided in this Agreement)."

(4)  Insert new Sections 2(a)(iv) and 2(a)(v) immediately after Section
     2(a)(iii) as follows:

     "(iv) The condition precedent in Section 2(a)(iii)(1) does not apply to a
          payment or delivery due to be made to a party if such party has
          satisfied all its payment and delivery obligations under Section
          2(a)(i) of this Agreement and has no future payment or delivery
          obligations, whether absolute or contingent under Section 2(a)(i).

     "(v) Where:

          (1)  payments are due pursuant to Section 2(a)(i) by Party A to Party
               B (the "PARTY A PAYMENT") and by Party B to Party A (the "PARTY B
               PAYMENT") on the same day; and

          (2)  the Security Trust Deed has become, and remains at that time,
               enforceable,

          then Party A's obligation to make the Party A Payment to Party B shall
          be subject to the condition precedent (which shall be an "applicable
          condition precedent" for the purpose of Section 2(a)(iii)(3)) that
          Party A first receives either:

          (3)  the Party B Payment; or

          (4)  confirmation from Party B's bank that it holds irrevocable
               instructions to effect payment of the Party B Payment and that
               cleared funds are available to make that payment."

(5)  Add the following new sentence to Section 2(b):

          "Each new account so designated must be in the same tax jurisdiction
          as the original account."

(6)  Delete the word "if" at the beginning of Section 2(d)(i)(4) and insert the
     following words instead:

          "if and only if X is Party A and".

(7)  In Section 2(d)(ii) insert the words "(if and only if Y is Party A)" after
     the word "then" at the beginning of the last paragraph. Party B will have
     no obligation to pay any amount to Party A under Section 2(d)(ii), and may
     make any payment under or in connection with this Agreement net of any
     deduction or withholding referred to in Section 2(d)(i).

                                                                          Page 9

(8)  TELEPHONE RECORDING: Each party consents to the recording of the telephone
     conversations of trading and marketing personnel in connection with this
     Agreement or any potential Transaction and consents to such recording being
     used as evidence in court proceedings.

(9)  FURTHER REPRESENTATIONS. Insert new Sections 3(g), 3(h) and 3(i)
     immediately after Section 3(f) as follows:

     "(g) NON ASSIGNMENT. It has not assigned (whether absolutely, in equity or
          otherwise) or declared any trust over any of its rights under this
          Agreement or any Transaction (other than, in respect of Party B, the
          trust created pursuant to the Trust Deed and the Supplementary Terms
          Notice) and has not given any charge over its rights under this
          Agreement or any Transaction in the case of Party A, or any charge
          over the assets of the Trust (other than under the Security Trust
          Deed), in the case of Party B."

     (h)  RELATIONSHIP BETWEEN PARTIES. Each party will be deemed to represent
          to the other party on the date on which it enters into a Transaction
          that (absent a written agreement between the parties that expressly
          imposes affirmative obligations to the contrary for that Transaction):

          (i)  NON-RELIANCE. It is acting for its own account (in the case of
               Party B as trustee of the Trust), and it has made its own
               independent decisions to enter into that Transaction and as to
               whether that Transaction is appropriate or proper for it based
               upon its own judgment (and in the case of Party B, also on the
               judgment of the Manager) and upon advice from such advisers as it
               has deemed necessary. It is not relying on any communication
               (written or oral) of the other party as investment advice or as a
               recommendation to enter into that Transaction; it being
               understood that information and explanations related to the terms
               and conditions of a Transaction shall not be considered
               investment advice or a recommendation to enter into that
               Transaction. No communication (written or oral) received from the
               other party shall be deemed to be an assurance or guarantee as to
               the expected results of that Transaction.

          (ii) ASSESSMENT AND UNDERSTANDING. It is capable of assessing the
               merits of and understanding (on its own behalf or through
               independent professional advice), and understands and accepts,
               the terms, conditions and risks of that Transaction. It is also
               capable of assuming, and assumes (in the case of Party B, subject
               to sub-paragraph (i)), the risks of that Transaction.

          (iii) STATUS OF PARTIES. The other party is not acting as a fiduciary
               for or an adviser to it in respect of that Transaction (other
               than in the case of Party B, the Manager)."

     (i)  TRUST. Party B represents to Party A, in respect of Party B only
          (which representations will be deemed to be repeated by Party B on
          each date on which a Transaction is entered into) that (absent a
          written agreement between the parties that expressly imposes
          affirmative obligations to the contrary for that Transaction):

          (i)  TRUST VALIDLY CREATED. The Trust has been validly created under
               the laws by which it is stated to be governed and is in existence
               at the date of this Agreement.

          (ii) SOLE TRUSTEE. Party B has been validly appointed as trustee of
               the Trust and is presently the sole trustee of the Trust.

          (iii) NO PROCEEDINGS TO REMOVE. No notice has been given to Party B
               and to Party B's knowledge no resolution has been passed, or
               direction or notice has been given, removing Party B as trustee
               of the Trust.

                                                                         Page 10

          (iv) POWER. Party B has power under the Trust Deed to enter into this
               Agreement and the Security Trust Deed in its capacity as trustee
               of the Trust.

          (v)  GOOD TITLE. Party B has equitable title to the Assets of the
               Trust and has power under the Trust Deed to mortgage or charge
               them in the manner provided in the Security Trust Deed and,
               subject only to the Trust Deed, the Security Trust Deed and any
               Security Interest permitted under the Trust Deed, as far as Party
               B is aware, those Assets are free from all other Security
               Interests (except for Party B's right of indemnity out of the
               Assets of the Trust)."

(10) In Section 4, add the following new paragraph immediately after Section
     4(e):

     "(f) CONTRACTING AS PRINCIPAL. Party A will enter into each Transaction as
          principal and not otherwise and, subject to Section 15, Party B will
          enter into each Transaction in its capacity as trustee of the Trust
          and not otherwise. Any reference to Party B in this Agreement is in
          its capacity as trustee of the Trust."

(11) CONFIRMATIONS. With respect to each Transaction entered into pursuant to
     this Agreement and for the purposes of Section 9(e)(ii), Party A will, on
     or promptly after the relevant Trade Date, send Party B (with a copy to the
     Manager) a Confirmation confirming that Transaction and both Party B and
     the Manager must promptly then confirm the accuracy of or request the
     correction of such Confirmation. Notwithstanding the provisions of Section
     9(e)(ii), where a Transaction is confirmed by means of facsimile or an
     electronic messaging system, such message will constitute a Confirmation
     even where not so specified in that Confirmation.

(12) Section 12 is amended as follows:

     (i)  In Section 12(a), delete the words "(except that a notice or other
          communication under Section 5 or 6 may not be given by facsimile
          transmission or electronic messaging system)" in lines 2 and 3.

     (ii) Section 12(a)(iii) is replaced with:

          "(iii) if sent by facsimile transmission, on the date a transmission
               report is produced by the machine from which the facsimile was
               sent which indicates that the facsimile was sent in its entirety
               to the facsimile number of the recipient notified for the purpose
               of this Section, unless the recipient notifies the sender within
               one Local Business Day of the facsimile being sent that the
               facsimile was not received in its entirety and in legible form".

     (iii) In Section 12(a)(v), replace the words "electronic message is
          received" with "the facsimile transmission confirming the electronic
          message is sent and deemed effective in accordance with sub-paragraph
          (iii)".

(13) ISDA DEFINITIONS. This Agreement, each Confirmation and each Transaction
     are subject to the 2000 ISDA Definitions (as published by the International
     Swaps and Derivatives Association, Inc) (the "ISDA Definitions"), and will
     be governed in all respects by any provisions set forth in the ISDA
     Definitions, without regard to any amendments to the ISDA Definitions made
     after the date of this Agreement. The ISDA Definitions are incorporated by
     reference in, and shall be deemed to be part of, this Agreement and each
     Confirmation.

(14) SCOPE OF AGREEMENT.

     Any reference to a:

                                                                         Page 11

     (a)  "Swap Transaction" in the ISDA Definitions is deemed to be a reference
          to a "Transaction" for the purposes of interpreting this Agreement or
          any Confirmation; and

     (b)  "Transaction" in this Agreement or any Confirmation is deemed to be a
          reference to a "Swap Transaction" for the purpose of interpreting the
          ISDA Definitions.

(15) INCONSISTENCY. In the event of any inconsistency between any two or more of
     the following documents in respect of a Transaction, they will take
     precedence over each other in the following descending order in respect of
     that Transaction:

     (i)  any Confirmation;

     (ii) the Schedule to the Agreement and Credit Support Annex;

     (iii) the printed form of the ISDA Master Agreement and the ISDA Credit
          Support Annex;

     (iv) the 2000 ISDA Definitions.

(16) DEFINITIONS AND INTERPRETATION

     Section 14 of the Agreement is modified as follows:

     (a)  New definitions are inserted as follows:

          "ACCEPTABLE ARRANGEMENT" means an arrangement which each relevant
          Designated Rating Agency has confirmed in writing will result in the
          avoidance or reversal of any Note Downgrade.

          "APPROVED BANK" means a Bank which has a short term credit rating of
          A-1+ from S&P, P-1 from Moody's and F1 from Fitch Ratings.

          "DOWNGRADE" means in relation to a Currency Swap, the withdrawal or
          downgrade of Party A's credit rating by a Designated Rating Agency
          resulting in Party A not having the Required Rating for that Currency
          Swap.

          "MAJOR DOWNGRADE" means a Downgrade resulting in Party A having:

          (i)  a short term credit rating of less than A-1 by S & P;

          (ii) a short term credit rating of less than P-2 by Moody's or a long
               term credit rating of less than A-3 by Moody's; or

          (iii) a short term credit rating of less than F2 by Fitch Ratings or a
               long term credit rating of less than BBB+ by Fitch Ratings.

          "MINOR DOWNGRADE" means in relation to a Currency Swap, any Downgrade
          which is not a Major Downgrade for that Currency Swap.

          "MORTGAGED PROPERTY" has the meaning given in the Security Trust Deed.

          "NOTE DOWNGRADE" means any actual or proposed withdrawal or downgrade
          of the rating assigned to the Class A-1 Notes by a Designated Rating
          Agency which results or would result in any rating assigned to the
          Class A-1 Notes being less than that specified in clause 4.2(f) of the
          Supplementary Terms Notice.

          "REPLACEMENT CURRENCY SWAP PROVIDER" means, at any time, a person that
          has agreed to replace Party A at that time and has a credit rating not
          less than the Required Rating.

          "REQUIRED RATING" means a credit rating of not less than:

                                                                         Page 12

          (i)  A-1+ (short term) by S & P;

          (ii) P-1 (short term) and A2 (long term) by Moody's; and

          (iii) F1 (short term) and A+ (long term) by Fitch Ratings.

          "RELEVANT SWAP TRANSACTION" means each Transaction which is a currency
          swap for the Class A-1 Notes only.

          "SECURITY TRUST DEED" means the Security Trust Deed dated [*] 2005
          between Party B as issuing trustee, Crusade Management Limited as
          Manager, P.T. Limited as security trustee and The Bank of New York as
          note trustee.

          The definition of Tax is replaced with:

          "TAX" has the meaning given in the Trust Deed.

          "TRUST DEED" means the Master Trust Deed dated 14 March 1998 as
          amended by the Crusade Global Trust No. 2 of 2005 Supplementary Terms
          Notice dated on or about the date of this Agreement between (amongst
          others) Party B, St. George Bank Limited and the Manager
          ("SUPPLEMENTARY TERMS NOTICE") and each of the following expressions
          has the meanings given to them in the Trust Deed and the Supplementary
          Terms Notice.

     (b)  Each of the following expressions has the meanings given to them in
          the Trust Deed and the Security Trust Deed (as the case may be):

          "AGENCY AGREEMENT"
          "ASSET"
          "BANK"
          "CURRENCY SWAP"
          "CLASS A-1 NOTES"
          "CLASS A-1 NOTEHOLDER"
          "CURRENCY SWAP"
          "DESIGNATED RATING AGENCY"
          "EXTRAORDINARY RESOLUTION"
          "FINAL MATURITY DATE"
          "HEDGE AGREEMENT"
          "INSOLVENCY EVENT"
          "INVESTED AMOUNT"
          "MORTGAGED PROPERTY"
          "NOTEHOLDER"
          "NOTE TRUSTEE"
          "PRINCIPAL PAYING AGENT"
          "PURCHASED RECEIVABLES"
          "SECURITY TRUST DEED"
          "SECURITY TRUSTEE"
          "STATED AMOUNT"
          "SUPPORT FACILITY PROVIDER"
          "TRUST"
          "TRUST EXPENSE"

     (c)  TRUST DEED AND SECURITY TRUST DEED: The parties acknowledge and agree
          and for the purposes of the Trust Deed and Security Trust Deed

          (i)  all Transactions under this Agreement are "Hedge Agreements";

          (ii) Party A is a "Support Facility Provider",

                                                                         Page 13

          (iii) all obligations of Party B under this Agreement and any/all
               Transactions under it are Secured Moneys.

     (d)  Unless defined in this Agreement, words and phrases defined in the
          Trust Deed, the Security Trust Deed and the Supplementary Terms Notice
          (each in the form as at the date of this Agreement) have the same
          meaning in this Agreement. Where there is any inconsistency in a
          definition between this Agreement (on the one hand) and the Trust
          Deed, Security Trust Deed or the Supplementary Terms Notice (on the
          other hand), this Agreement prevails. Where words or phrases used but
          not defined in this Agreement are defined in the Trust Deed in
          relation to a Trust (as defined in the Trust Deed) such words or
          phrases are to be construed in this Agreement, where necessary, as
          being used only in relation to the Trust (as defined in the
          Supplementary Terms Notice).

     (e)  Where in this Agreement a word or expression is defined by reference
          to its meaning in another Transaction Document or there is a reference
          to another Transaction Document or to a provision of another
          Transaction Document, any amendment to the meaning of that word or
          expression or to that other Transaction Document or provision (as the
          case may be) will be of no effect for the purposes of this Agreement
          unless and until the amendment is consented to by the parties to this
          Agreement.

(17) New Sections 15 and 16 are inserted immediately after Section 14 as
     follows:

     "15. PARTY B PROVISIONS

          (a)  (A) General

               Clause 30 of the Trust Deed applies to the obligations and
               liabilities of Party B under this Agreement. Clause 16 of the
               Security Trust Deed applies to govern Party A's priority to
               monies received from the sale of Assets of the Trust or other
               enforcement of the Charge under the Security Trust Deed (as
               defined in the Security Trust Deed).

               (B)  Limitation of Party B's Liability

               (1)  Party B enters into this agreement only in its capacity as
                    trustee of the Trust and in no other capacity (except where
                    the Transaction Documents provide otherwise). Subject to
                    paragraph (3) below, a liability arising under or in
                    connection with this Agreement or the Trust can be enforced
                    against Party B only to the extent to which it can be
                    satisfied out of the assets and property of the Trust which
                    are available to satisfy the right of Party B to be
                    exonerated or indemnified for the liability. This limitation
                    of Party B's liability applies despite any other provision
                    of this Agreement and extends to all liabilities and
                    obligations of Party B in any way connected with any
                    representation, warranty, conduct, omission, agreement or
                    transaction related to this Agreement or the Trust.

               (2)  Subject to subparagraph (3) below, no person (including any
                    Relevant Party) may take action against Party B in any
                    capacity other than as trustee of the Trust or seek the
                    appointment of a receiver (except under this agreement), or
                    a liquidator, an administrator or any similar person to
                    Party B or prove in any liquidation, administration or
                    arrangements of or affecting Party B (except in relation to
                    the assets of the Trust).

               (3)  The provisions of this Section 15 shall not apply to any
                    obligation or liability of Party B 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
                    Party B's indemnification or exoneration out of the Assets
                    of the Trust as a result of Party B's fraud, negligence, or
                    Default.

                                                                         Page 14

               (4)  It is acknowledged that the Relevant Parties are responsible
                    under the Transaction Documents for performing a variety of
                    obligations relating to the Trust (other than Party A in its
                    capacity as currency swap provider under this Agreement, in
                    respect of which its obligations are limited to this
                    Agreement). No act or omission of Party B (including any
                    related failure to satisfy its obligations under this
                    Agreement) will be considered fraud, negligence or Default
                    of Party B for the purpose of subparagraph (3) above to the
                    extent to which the act or omission was caused or
                    contributed to by any failure by any Relevant Party or any
                    person who has been delegated or appointed by Party B in
                    accordance with this Agreement or any other Transaction
                    Document to fulfil its obligations relating to the Trust or
                    by any other act or omission of a Relevant Party or any such
                    person.

               (5)  In exercising their powers under the Transaction Documents,
                    each of Party B, the Security Trustee and the Noteholders
                    must ensure that no attorney, agent, delegate, receiver or
                    receiver and manager appointed by it in accordance with this
                    Agreement has authority to act on behalf of Party B in a way
                    which exposes Party B to any personal liability and no act
                    or omission of any such person will be considered fraud,
                    negligence, or Default of Party B for the purpose of
                    subparagraph (3) above.

               (6)  In this clause, RELEVANT PARTIES means each of the Manager,
                    the Servicer, the Calculation Agent, each Paying Agent, the
                    Note Trustee, and the provider of a Support Facility.

               (7)  Nothing in this clause limits the obligations expressly
                    imposed on Party B under the Transaction Documents.

          (b)  Nothing in paragraph (a) limits Party A in:

               (i)  obtaining an injunction or other order to restrain any
                    breach of this Agreement by Party B;

               (ii) obtaining declaratory relief; or

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

          (c)  Except as provided in paragraphs (a) and (b), Party A shall not

               (i)  (JUDGMENT) obtain a judgment for the payment of money or
                    damages by Party B;

               (ii) (STATUTORY DEMAND) issue any demand under s459E(1) of the
                    Corporations Act 2001 (Cth) (or any analogous provision
                    under any other law) against Party B;

               (iii) (WINDING UP) apply for the winding up or dissolution of
                    Party B;

               (iv) (EXECUTION) levy or enforce any distress or other execution
                    to, on, or against any assets of Party B;

               (v)  (COURT APPOINTED RECEIVER) apply for the appointment by a
                    court of a receiver to any of the assets of Party B;

               (vi) (SET-OFF OR COUNTERCLAIM) exercise or seek to exercise any
                    set-off or counterclaim against Party B; or

               (vii) (ADMINISTRATOR) appoint, or agree to the appointment, of
                    any administrator to Party B,

               or take proceedings for any of the above and Party A waives its
               rights to make those applications and take those proceedings."

                                                                         Page 15

     "16. REPLACEMENT CURRENCY SWAP

          (a)  If this Agreement or any Transaction under this Agreement is
               terminated prior to the day upon which the Class A-1 Notes are
               repaid in full, Party B must, subject to paragraph (b) and at the
               direction of the Manager, enter into one or more currency swaps
               which replace the Transactions under this Agreement (collectively
               a "REPLACEMENT CURRENCY SWAP") but only on the following
               conditions:

               (i)  the Settlement Amount payable (if any) by Party B to Party A
                    upon termination of this Agreement or any Transaction will
                    be paid in full when due in accordance with the
                    Supplementary Terms Notice and this Agreement;

               (ii) the Designated Ratings Agencies confirm that entry into the
                    Replacement Currency Swap by Party B will not cause a Note
                    Downgrade; and

               (iii) the liability of Party B under the Replacement Currency
                    Swap is limited to at least the same extent that its
                    liability is limited under this Agreement or the relevant
                    Transaction under this Agreement.

          (b)  If the conditions in Section 16(a) are satisfied, Party B must,
               at the direction of the Manager, enter into the Replacement
               Currency Swap and if it does so it must direct the Replacement
               Currency Swap Provider to pay any upfront premium to enter into
               the Replacement Currency Swap due to Party B directly to Party A
               in satisfaction of and to the extent of Party B's obligation to
               pay the Settlement Amount to Party A as referred to in Section
               16(a) and to the extent that such premium is not greater than or
               equal to the Settlement Amount, the balance must be satisfied by
               Party B as a Trust Expense.

          (c)  If the conditions in Section 16(a) are satisfied and Party B has
               entered into the Replacement Currency Swap, Party B must direct
               Party A to pay any Settlement Amount payable by Party A to Party
               B on termination of this Agreement directly to the Replacement
               Currency Swap Provider as payment of any premium (to the extent
               of the Settlement Amount) payable by Party B to enter into the
               Replacement Currency Swap. Such payment by Party A to the
               Replacement Currency Swap Provider shall be in full discharge of
               Party A's obligation to make any payment to Party B in respect of
               the termination of this Agreement and no further amounts shall be
               due from Party A in respect of such termination. If such premium
               is greater than the Settlement Amount, the balance must be
               satisfied by Party B as a Trust Expense payable to the
               Replacement Currency Swap Provider in accordance with clause 5.1
               of the Supplementary Terms Notice."

(18) NOVATION

     Notwithstanding Section 7 as amended herein, Party A may at any time novate
     its obligations under this Agreement to any of its Affiliates (the "NEW
     COUNTERPARTY") provided that:

     (a)  the New Counterparty provides a legal opinion to Party B that this
          Agreement, as novated, is valid, binding and enforceable against it
          (subject to equitable doctrines and creditors' rights generally); and

     (b)  the New Counterparty has the Required Rating.

     Party B and the Manager will execute all such documents (each in a form
     reasonably satisfactory to Party B) as are reasonably necessary to give
     effect to that novation."

                                                                         Page 16

(19) APPOINTMENT OF MANAGER: Party A acknowledges that under the Trust Deed
     Party B has appointed the Manager as manager of the Trust with the powers
     set out in and upon and subject to the terms of, the Trust Deed.
     Accordingly, subject to the terms of the Trust Deed, the Manager:

          (i)  may arrange, enter into, and monitor Transactions, execute
               Confirmations and exercise all other rights and powers of Party B
               under this Agreement; and

          (ii) without limiting the generality of the foregoing, the Manager
               shall, issue and receive, on behalf of Party B all notices,
               Confirmations, certificates and other communications to or by
               Party A under this Agreement.

(20) A new Section 17 is added as follows:

"17  RATING DOWNGRADE

     (a)  If, at any time, a Downgrade occurs and the downgrade constitutes a
          Minor Downgrade, Party A shall, within 30 days (or such greater period
          as agreed to in writing by the relevant Designated Rating Agency),
          comply with Section 17(c).

     (b)  If, at any time, a Downgrade occurs and the downgrade constitutes a
          Major Downgrade, Party A shall immediately (or such greater period as
          agreed by the relevant Designated Rating Agency) comply with Section
          17(c)(i). Party A must continue to comply with Section 17(c)(i) until
          such time (no later than 30 days of the Major Downgrade occurring (or
          such greater period as agreed by the relevant Designated Rating
          Agency)) that it complies with Section 17(c)(ii), (iii) or (iv).

     (c)  Where Party A is required to comply with this Section 17(c) it must,
          subject to paragraph (b), at its cost do one of the following:

          (i)  transfer Eligible Credit Support to Party B in accordance with
               the Credit Support Annex attached to this Agreement (including by
               the deposit of US$ to the credit of a Swap Collateral Account);

          (ii) procure a novation of its rights and obligations under each
               Transaction to a Replacement Currency Swap Provider;

          (iii) procure another person to become co-obligor in respect of the
               obligations of Party A under each Transaction. Such co-obligor
               may be either:

               (A)  a person with the Required Rating domiciled in the same
                    legal jurisdiction as Party A or Party B; or

               (B)  a person otherwise acceptable to each Designated Rating
                    Agency; or

          (iv) enter, or procure entry, into an Acceptable Arrangement.

     (d)  Where Party B has not established a Swap Collateral Account and Party
          A is required to deposit monies into a Swap Collateral Account, the
          Manager must direct Party B to, and Party B must, establish, as soon
          as practicable, and maintain, in the name of Party B an account with
          an Approved Bank, which account shall be, for the purposes of this
          Section 17, the "SWAP COLLATERAL ACCOUNT".

     (e)  Party B, at the direction of the Manager, may only dispose of any
          Eligible Credit Support acquired or transferred to it under Section
          17(c)(i) or make withdrawals from the Swap Collateral Account: (i) in
          accordance with the terms of the Credit Support Annex attached to this
          Agreement; or (ii) otherwise if directed to do so by the Manager and
          in such latter case only for the purpose of:

                                                                         Page 17

          (i)  withdrawing any amount which has been incorrectly deposited into
               the Swap Collateral Account;

          (ii) paying any bank accounts debit tax or other equivalent Taxes
               payable in respect of the Swap Collateral Account; or

          (iii) funding the amount of any payment due to be made by Party A
               under this Agreement following the failure by Party A to make
               that payment.

     (f)  Party B, at the direction of the Manager, may only invest any amounts
          standing to the credit of a Swap Collateral Account in Eligible Credit
          Support that matures on or prior to the next Payment Date.

     (g)  The Credit Support Amount must be denominated in US$, pounds sterling,
          Australian dollars or in such other currency as approved by each
          Designated Rating Agency."

(21) EXCHANGE CONTROLS

     Section 5(b)(i) (ILLEGALITY) is amended by adding the following paragraph
     at the end:-

     "This sub-paragraph (i) does not apply to the imposition by the Australian
     government or any agency of the Australian government of any exchange
     control restrictions or prohibitions ("EXCHANGE CONTROLS")." For the
     avoidance of doubt:

     (A)  exchange controls do not constitute an Illegality or other Termination
          Event or an Event of Default under this Agreement, and do not entitle
          a party to terminate a Transaction or otherwise refuse to make any
          payments it is obliged to make under a Transaction: and

     (B)  if and for so long as exchange controls are imposed, delivery by Party
          B of Australian dollar amounts required to be paid by it under any
          relevant Confirmation to the bank account in Australia notified in
          writing by Party A to Party B from time to time specified in that
          Confirmation will constitute proper payment of those amounts by Party
          B and Party A's obligations under this Agreement will be unaffected by
          any such exchange controls."

(22) PARTY B'S PAYMENT INSTRUCTIONS. Party B irrevocably authorises and
     instructs Party A to make payment of:

     (i)  the "Initial Exchange Amount" payable by Party A under a currency swap
          transaction by paying that amount direct to the account notified in
          writing by Party B to Party A for that purpose; and

     (ii) any other amount due from Party A to Party B under this Agreement by
          paying that amount direct to the Principal Paying Agent to the account
          outside Australia notified in writing by the Principal Paying Agent to
          Party A for that purpose. Party A is entitled to rely on any such
          notice.

(23) NO AMENDMENT. Each of Party B and the Manager agrees that it will not
     consent to any amendment to any provision in any Transaction Document
     dealing with the ranking, priority or entitlement of Party A in respect of
     any security or moneys without the prior written consent of Party A (which
     will not be unreasonably withheld).

(23) In Section 6(e), delete the sentence "The amount, if any, payable in
     respect of an Early Termination Date and determined pursuant to this
     Section will be subject to any Set-off." At the end of the first paragraph.

                                                                         Page 18

Please confirm your agreement to the terms of the foregoing Schedule by signing
below.

BARCLAYS BANK PLC                       PERPETUAL TRUSTEES CONSOLIDATED LIMITED
                                        as trustee of Crusade Global Trust No. 2
                                        of 2005

By:                                     By:
    ---------------------------------       ------------------------------------
Name:                                   Name:
Title:                                  Title:

CRUSADE MANAGEMENT LIMITED

By:
    ---------------------------------
Name:
Title:

                                                                         Page 19Seller Loan Agreement

                                         PERPETUAL TRUSTEES CONSOLIDATED LIMITED
                                                                       (Trustee)

                                                         ST. GEORGE BANK LIMITED
                                                               (Approved Seller)

                                                      CRUSADE MANAGEMENT LIMITED
                                                                       (Manager)

                                              Crusade Global Trust No. 2 of 2005

                                                          ALLENS ARTHUR ROBINSON
                                                               The Chifley Tower
                                                                2 Chifley Square
                                                                 Sydney NSW 2000
                                                                       Australia
                                                              Tel 61 2 9230 4000
                                                              Fax 61 2 9230 5333

                                       (C) Copyright Allens Arthur Robinson 2005

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
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TABLE OF CONTENTS

1.   DEFINITIONS AND INTERPRETATION                                            1
     1.1  Definitions                                                          1
     1.2  Master Trust Deed definitions                                        2
     1.3  Interpretation                                                       2
     1.4  Determination, statement and certificate sufficient evidence         3
     1.5  Transaction Document                                                 3
     1.6  Limited to Trust                                                     3
     1.7  Trustee as trustee                                                   3
     1.8  Knowledge of Trustee                                                 3
     1.9  Unsecured loan                                                       3

2.   PURPOSE                                                                   3

3.   DRAWINGS                                                                  3
     3.1  Advance                                                              3
     3.2  Making of Advance                                                    4

4.   INTEREST AND FEES                                                         4

5.   REPAYMENT                                                                 4

6.   PAYMENTS                                                                  4
     6.1  Manner                                                               4
     6.2  Payment to be made on Business Day                                   4

7.   CONDITIONS PRECEDENT                                                      5

8.   REPRESENTATIONS AND WARRANTIES                                            5
     8.1  Representations and warranties                                       5
     8.2  Reliance on representations and warranties                           6

9.   UNDERTAKINGS                                                              6
     9.1  General undertakings                                                 6
     9.2  Undertakings relating to Trust                                       7
     9.3  Term of undertakings                                                 7

10.  CONTROL ACCOUNTS                                                          7

11.  WAIVERS, REMEDIES CUMULATIVE                                              7

12.  SEVERABILITY OF PROVISIONS                                                7

13.  SURVIVAL OF REPRESENTATIONS                                               8

14.  INDEMNITY AND REIMBURSEMENT OBLIGATION                                    8

15.  MORATORIUM LEGISLATION                                                    8

16.  CONSENTS AND OPINIONS                                                     8

17.  ASSIGNMENTS                                                               8

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18.  NOTICES                                                                   8

19.  AUTHORISED SIGNATORIES                                                    9

20.  GOVERNING LAW AND JURISDICTION                                            9

21.  COUNTERPARTS                                                              9

22.  ACKNOWLEDGEMENT BY TRUSTEE                                                9

23.  LIMITED RECOURSE                                                         10
     23.1 General                                                             10
     23.2 Liability of Trustee limited to its right to indemnity              10
     23.3 Unrestricted remedies                                               11
     23.4 Restricted remedies                                                 11

24.  APPROVED SELLER'S OBLIGATIONS                                            11

25.  SUCCESSOR TRUSTEE                                                        11

ANNEXURE A                                                                    14
     Drawdown Notice                                                          14

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                                                                       Page (ii)

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
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DATE                                2005

PARTIES

     1.   PERPETUAL TRUSTEES CONSOLIDATED LIMITED (ABN 81 004 029 841) of Level
          7, 9 Castlereagh Street, Sydney, New South Wales 2000 in its capacity
          as trustee of the Crusade Global Trust No. 2 of 2005 (the TRUSTEE);

     2.   ST. GEORGE BANK LIMITED (ABN 92 055 513 070) incorporated in Australia
          and registered in New South Wales of 4-16 Montgomery Street, Kogarah,
          New South Wales 2217 (the APPROVED SELLER); and

     3.   CRUSADE MANAGEMENT LIMITED (ABN 90 072 715 916) incorporated in
          Australia and registered in New South Wales of 4-16 Montgomery Street,
          Kogarah, New South Wales 2217 (the MANAGER).

RECITALS

     A    The Trustee is the trustee of the Crusade Global Trust No. 2 of 2005
          and proposes to issue Notes pursuant to the Master Trust Deed and the
          Supplementary Terms Notice.

     B    The Manager has arranged for the Approved Seller to provide the
          Trustee with a loan of A$[*] for the purchase of Receivables by the
          Trustee.

     C    The Approved Seller has agreed to provide the loan to the Trustee on
          the terms and conditions contained in this agreement.

--------------------------------------------------------------------------------
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.

     ADVANCE means the advance made or to be made under this agreement.

     DRAWDOWN NOTICE means a notice under clause 3.1.

     LIMIT means A$[*].

     MASTER TRUST DEED means the deed entitled "Master Trust Deed" between,
     among others, the Trustee and the Manager dated 14 March 1998.

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     NOTICE OF CREATION OF TRUST means the Notice of Creation of Trust dated [*]
     2005 issued under the Master Trust Deed in relation to the Trust.

     PRINCIPAL OUTSTANDING means, at any time, the total principal amount of the
     Advance at that time.

     SECURED MONEYS has the meaning given in the Security Trust Deed.

     SECURITY TRUST DEED means the Security Trust Deed dated [*] 2005 between
     the Trustee, the Manager, the Note Trustee and P.T. Limited.

     SUPPLEMENTARY TERMS NOTICE means the Supplementary Terms Notice issued by
     the Manager on or about the date of this agreement under the Master Trust
     Deed.

     TRUST means the Crusade Global Trust No. 2 of 2005 constituted under the
     Master Trust Deed on the terms of the Supplementary Terms Notice.

     TRUST DOCUMENT means:

     (a)  this agreement;

     (b)  the Master Trust Deed;

     (c)  the Notice of Creation of Trust;

     (d)  the Supplementary Terms Notice;

     (e)  the Redraw Facility Agreement;

     (f)  the Deed of Indemnity to the extent it relates to the Trust;

     (g)  the Custodian Agreement;

     (h)  the Security Trust Deed to the extent it relates to the Trust;

     (i)  the Servicing Agreement;

     (j)  the Note Trust Deed;

     (k)  the Dealer Agreement;

     (l)  the Agency Agreement;

     (m)  each Note; and

     (n)  the Support Facilities.

     TRUSTEE means the trustee of the Trust at the date of this agreement or any
     person which becomes a successor trustee under clause 20 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 Supplementary Terms Notice) and the Supplementary Terms
     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.

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1.4  DETERMINATION, STATEMENT AND CERTIFICATE SUFFICIENT EVIDENCE

     Except where otherwise provided in this agreement any determination,
     statement or certificate by the Approved Seller or an Authorised Signatory
     of the Approved Seller 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 Approved Seller has no
     obligation under this agreement to provide financial accommodation to the
     Trustee as trustee of any other such Trust.

1.7  TRUSTEE AS TRUSTEE

     In this agreement, except where provided to the contrary;

     (a)  a reference to the Trustee is a reference to the Trustee in its
          capacity as trustee of the Trust and in no other capacity; and

     (b)  a reference to the undertaking, property, assets, business or money of
          the Trustee is a reference to the undertaking, property, assets,
          business or money of the Trustee in its capacity referred to in
          paragraph (a).

1.8  KNOWLEDGE OF TRUSTEE

     In relation to the Trust, the Trustee will only be considered to have
     knowledge or notice of or be aware of any matter or thing if the Trustee
     has knowledge, notice or awareness of that matter or thing by virtue of the
     actual notice or awareness of the officers or employees of the Trustee who
     have day to day responsibility for the administration of the Trust.

1.9  UNSECURED LOAN

     The Approved Seller acknowledges that the Advance is an unsecured loan, and
     does not have the benefit of any Security Interest under the Security Trust
     Deed.

2.   PURPOSE
--------------------------------------------------------------------------------

     The Manager directs the Trustee to, and the Trustee shall, apply the
     proceeds of the Advance to purchase Receivables specified in any Sale
     Notice and for no other purpose.

3.   DRAWINGS
--------------------------------------------------------------------------------

3.1  ADVANCE

     (a)  Subject to this agreement, the Manager may direct the Trustee to
          request the Advance by giving to the Trustee a duly completed but
          unsigned Drawdown Notice by no later than 10.00 am on the Closing Date
          (Sydney time).

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Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
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     (b)  The Drawdown Notice delivered by the Trustee to the Approved Seller
          must be:

          (i)  in writing;

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

          (iii) signed by the Trustee.

          The Trustee must sign, at the direction of the Manager, and return the
          Drawdown Notice to the Manager by no later than 2.00 pm on the Closing
          Date (Sydney time).

     (c)  The amount requested in a Drawdown Notice must not exceed the Limit.

3.2  MAKING OF ADVANCE

     Subject to the terms of this agreement, the Advance shall be made available
     by the Approved Seller applying that amount to the purchase price for
     Receivables under a Sale Notice.

4.   INTEREST AND FEES
--------------------------------------------------------------------------------

     No interest or fees are payable by the Trustee in relation to the Advance
     or this agreement.

5.   REPAYMENT
--------------------------------------------------------------------------------

     The Trustee shall, at the direction of the Manager, repay the Principal
     Outstanding on the Business Day immediately following the date on which the
     Secured Moneys are fully and finally repaid, but only to the extent that
     amounts are available for that purpose under clause 5.7 of the
     Supplementary Terms Notice. That payment shall be in full and final
     settlement of the obligations of the Trustee under this agreement.

6.   PAYMENTS
--------------------------------------------------------------------------------

6.1  MANNER

     The Trustee shall make all payments under this agreement:

     (a)  by cheque, electronic funds transfer or other agreed methods, provided
          to the Approved Seller at its address for service of notices or by
          transfer of immediately available funds to the account specified by
          the Approved Seller;

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

     (c)  in accordance with, and only at the directions of the Manager, the
          Master Trust Deed, the Security Trust Deed and the Supplementary Terms
          Notice.

6.2  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.

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Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
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7.   CONDITIONS PRECEDENT
--------------------------------------------------------------------------------

     (a)  The right of the Trustee to give the initial Drawdown Notice and the
          obligations of the Approved Seller under this agreement are subject to
          the condition precedent that the Approved Seller receives all of the
          following in form and substance satisfactory to the Approved Seller:

          (i)  (TRUST DOCUMENTS) from the Manager a certified copy of each duly
               executed and (where relevant) stamped Trust Document;

          (ii) (MASTER TRUST DEED CONDITIONS PRECEDENT) from the Manager
               evidence that the conditions precedent referred to in clause 6 of
               the Master Trust Deed have been satisfied; and

          (iii) (NOTES) evidence that the Notes have been issued.

     (b)  The obligations of the Approved Seller to make available the Advance
          is subject to the further conditions precedent that:

          (i)  (REPRESENTATIONS TRUE) the representations and warranties by the
               Trustee in clause 8 are true as at the date of the Drawdown
               Notice and the date of the Advance as though they had been made
               at that date in respect of the facts and circumstances then
               subsisting; and

          (ii) (NO DEFAULT) no Event of Default is subsisting at the date of the
               Drawdown Notice or of the Advance or will result from the
               provision of the Advance.

8.   REPRESENTATIONS AND WARRANTIES
--------------------------------------------------------------------------------

8.1  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)  (DOCUMENTS BINDING) This agreement constitutes (or will, when executed
          and delivered, constitute) its legal, valid and binding obligations
          (subject to laws generally affecting creditors' rights and to general
          principles of equity).

     (b)  (TRANSACTIONS PERMITTED) The execution of this agreement did not and
          will not contravene any applicable law or authorisation which affects
          the Trustee in its capacity as trustee of the Trust.

     (c)  (OTHER DEFAULT) It has no actual knowledge of any default by it or the
          Manager under either:

          (i)  the Master Trust Deed; or

          (ii) any law, authorisation, agreement or obligation applicable to the
               Assets of the Trust,

          which has not been remedied or waived in writing.

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

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Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
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     (e)  (SOLE TRUSTEE) It is the sole trustee of the Trust at the date of this
          agreement.

     (f)  (REMOVAL) No notice has been given to it and to its knowledge no
          resolution has been passed or direction or notice has been given,
          removing it as trustee of the Trust.

8.2  RELIANCE ON REPRESENTATIONS AND WARRANTIES

     The Trustee acknowledges that the Approved Seller has entered into the
     Trust Documents in reliance on the representations and warranties in this
     clause.

9.   UNDERTAKINGS
--------------------------------------------------------------------------------

9.1  GENERAL UNDERTAKINGS

     Each of the Trustee and the Manager severally undertake to the Approved
     Seller as follows in relation to the Trust, except to the extent that the
     Approved Seller consents.

     (a)  (AUTHORISATIONS) It will ensure that each Authorisation (which, in the
          case of the Trustee, is limited to any Authorisation relating to the
          Trustee in its capacity as trustee of the Trust and not to the Trust
          generally) 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,

          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 Approved Seller 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 APPROVED SELLER) It will notify the Approved Seller as soon
          as it becomes actually aware of any proposal by a Government Agency to
          acquire compulsorily any Assets of the Trust.

--------------------------------------------------------------------------------
                                                                          Page 6

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

9.2  UNDERTAKINGS RELATING TO TRUST

     Each of the Trustee, as trustee of the Trust, and the Manager severally
     undertakes to the Approved Seller as follows, except to the extent that the
     Approved Seller consents.

     (a)  (AMENDMENT TO MASTER TRUST DEED) It will not consent to any amendment
          to the Master Trust Deed, the Supplementary Terms Notice or any other
          Trust Document which would change:

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

          (ii) clause 5.7 of the Supplementary Terms Notice; or

          (iii) the basis of calculation or order of application of any amount
               to be paid or applied under clause 5 of the Supplementary Terms
               Notice unless the change would not be adverse to the Approved
               Seller in respect of the Advance.

     (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
          Supplementary Terms Notice and the other Trust Documents.

     (c)  (NO ADDITIONAL TRUSTEE) It will act continuously as trustee or manager
          (as the case may be) 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.

9.3  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 or cease to be outstanding.

10.  CONTROL ACCOUNTS
--------------------------------------------------------------------------------

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

11.  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 Approved Seller in
          this agreement are in addition to, and do not exclude or limit, any
          right, power or remedy provided by law.

12.  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.

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                                                                          Page 7

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

13.  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.

14.  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.

15.  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 Approved
          Seller of any right, power or remedy conferred by this agreement,

     is excluded from this agreement.

16.  CONSENTS AND OPINIONS
--------------------------------------------------------------------------------

     Except where expressly stated the Approved Seller 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.

17.  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, except for the creation of a charge by the Trustee under the
     Security Trust Deed.

18.  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:

--------------------------------------------------------------------------------
                                                                          Page 8

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

          (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.

19.  AUTHORISED SIGNATORIES
--------------------------------------------------------------------------------

     The Trustee irrevocably authorises the Approved Seller 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.

20.  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.

21.  COUNTERPARTS
--------------------------------------------------------------------------------

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

22.  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
          Approved Seller (including any advice, warranty, representation or
          undertaking); and

     (b)  the Approved Seller is not obliged to do anything (including disclose
          anything or give advice),

     except as expressly set out in this agreement.

--------------------------------------------------------------------------------
                                                                          Page 9

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

23.  LIMITED RECOURSE
--------------------------------------------------------------------------------

23.1 GENERAL

     Clause 30 of the Master Trust Deed applies to the obligations and
     liabilities of the Trustee and the Manager under this agreement.

23.2 LIABILITY OF TRUSTEE LIMITED TO ITS RIGHT TO INDEMNITY

     (a)  This agreement applies to Trustee only in its capacity as trustee of
          the Trust and in no other capacity (except where the Transaction
          Documents provide otherwise). Subject to paragraph (c) below, 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 the assets and property of the Trust which
          are available to satisfy the right of the Trustee to be exonerated or
          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)  Subject to paragraph (c) below, no person (including any Relevant
          Party) may take action against 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 23.2 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 or
          exoneration out of the Assets of the Trust as a result of the
          Trustee's fraud, negligence, or Default.

     (d)  It is acknowledged that the Relevant Parties are responsible under
          this agreement or 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 Default
          of the Trustee for the purpose of paragraph (c) above to the extent to
          which the act or omission was caused or contributed to by any failure
          by any Relevant Party or any person who has been delegated or
          appointed by the Trustee in accordance with the Transaction Documents
          to fulfil its obligations relating to the Trust or by any other act or
          omission of a Relevant Party or any such person.

     (e)  In exercising their powers under the Transaction Documents, each of
          the Trustee, the Security Trustee and the Noteholders must ensure that
          no attorney, agent, delegate, receiver or receiver and manager
          appointed by it in accordance with this agreement or any other
          Transaction Documents 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 Default of the Trustee for the purpose of paragraph (c) above.

--------------------------------------------------------------------------------
                                                                         Page 10

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

     (f)  In this clause, RELEVANT PARTIES means each of the Manager, the
          Servicer, the Custodian, the Calculation Agent, each Paying Agent, the
          Note Trustee and any Support Facility Provider.

     (g)  Nothing in this clause limits the obligations expressly imposed on the
          Trustee under the Transaction Documents.

23.3 UNRESTRICTED REMEDIES

     Nothing in clause 23.2 or 23.4 limits the Approved Seller 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.

23.4 RESTRICTED REMEDIES

     Except as provided in clause 23.3, the Approved Seller 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 2001 (Cth) (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 Approved Seller waives its
     rights to make those applications and take those proceedings.

24.  APPROVED SELLER'S OBLIGATIONS
--------------------------------------------------------------------------------

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

25.  SUCCESSOR TRUSTEE
--------------------------------------------------------------------------------

     The Approved Seller shall do all things reasonably necessary to enable any
     successor Trustee appointed under clause 20 of the Master Trust Deed to
     become the Trustee under this agreement.

--------------------------------------------------------------------------------
                                                                         Page 11

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

EXECUTED in Sydney.

Each attorney executing this agreement states that he or she has no notice of
revocation or suspension of his or her power of attorney.

SIGNED for                              )
PERPETUAL TRUSTEES CONSOLIDATED LIMITED )
by its attorney under the Power of      )
Attorney dated                          )
the presence of:                        )

                                           -------------------------------------
                                           Signature

---------------------------------------    -------------------------------------
Witness                                    Print name

---------------------------------------
Print name

SIGNED for                              )
ST. GEORGE BANK LIMITED                 )
by its attorney under the Power of      )
Attorney dated                          )
in the presence of:                     )

                                           -------------------------------------
                                           Signature

---------------------------------------    -------------------------------------
Witness                                    Print name

---------------------------------------
Print name

--------------------------------------------------------------------------------
                                                                         Page 12

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

SIGNED for                              )
CRUSADE MANAGEMENT LIMITED              )
by its attorney under the Power of      )
Attorney dated                          )
in the presence of:                     )
                                        )

                                           -------------------------------------
                                           Signature

---------------------------------------    -------------------------------------
Witness                                    Print name

---------------------------------------
Print name

--------------------------------------------------------------------------------
                                                                         Page 13

Seller Loan Agreement                              [Allens Arthur Robinson LOGO]
--------------------------------------------------------------------------------

ANNEXURE A

DRAWDOWN NOTICE
--------------------------------------------------------------------------------

To: St. George Bank Limited

                 SELLER LOAN AGREEMENT - DRAWDOWN NOTICE NO. [*]

We refer to the Seller Loan Agreement dated on or about 11 March 2005 (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 Closing Date;

(2)  the principal amount of the Advance is A$[*]; [NOTE: AMOUNT TO COMPLY WITH
     THE LIMITS IN CLAUSE 3.]

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

(4)  to the best of our knowledge and, relying on the information provided by
     the Manager, the proceeds of the advance will be used for the purposes
     contemplated in the Facility Agreement;

(5)  all representations and warranties under clause 8 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.

PERPETUAL TRUSTEES CONSOLIDATED LIMITED

By:                   [Authorised Signatory]
    -----------------

DATED

Verified by Crusade Management Limited

By:                   [Authorised Signatory]
    -----------------

Dated

--------------------------------------------------------------------------------
                                                                         Page 14

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