ADVISER PROFILE. Authorised Representative: David Earley Authorised Representative No:

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1 ADVISER PROFILE Authorised Representative: David Earley Authorised Representative No: 6676 SME Insurance Professionals Pty Ltd Corporate Authorised Representative No: Trading As of Risk and Investment Advisors Australia Pty Ltd Australian Financial Services Licence No 384 PO Box 56 Ivanhoe VIC 3079 P: F: M: E: W: W: This document is Part of the FSG. This document, together with Part of the FSG the Financial Services Guide makes up the Financial Services Guide.

2 ADVISER PROFILE A D V I S E R P R O F I L E Adviser: David Earley Authorised Representative No: 6676 Corporate Licence Name: SME Insurance Professionals Pty Ltd Corporate Authorised Representative No: Address: PO Box 56, Ivanhoe VIC 3079 Phone Number: Fax Number: Mobile: Website: AUTHORISATIONS: Risk Protection Superannuation (Excl SMSF) QUALIFICATIONS: SERVICES OFFERED: I am able to offer services in the following areas: Personal Debt Reduction Income Protection Business Expenses Protection Partnership Protection Key Person Protection Loan Protection Death Cover Protection Total and Permanent Disablement Protection Living Cover Protection Child Living Cover Protection Estate Equalisation Protection Superannuation Claims Management Diploma of Financial Services (Financial Planning) Diploma of Financial Services (Broking) Date of Issue: 6 December 04 David Earley Version: DEARL06 Page of 3

3 ADVISER PROFILE CHARGING METHODOLOGY: Life Risk Insurance Products I am paid a commission which is between 0 5% of the first year s premium and ongoing commission from 0 33% of the yearly premiums after the first year. The commission is part of the Insurance Premium you pay and is not additional. Superannuation / Investment Products: The Fund Manager or Insurance Company will pay me an advice fee of between 0 5.5% of the amount invested (this is a once only fee), and an ongoing advice fee from 0.% of funds under management. The rate and charges are agreed between client and adviser and is detailed in the Statement of Advice (SOA). Your adviser will retain up to 98% of any fees or commissions received by RIAA. SAMPLE SCENARIO Life Risk Insurance: Term Life Policy for 00,000 Premium is 500 per annum excluding policy fee Initial Commission = 500 x 0% = % paid to your adviser = Ongoing commission = 550 x 5% = % paid to your adviser = 3.00 Superannuation / Investment Investment of 0,000 Initial Fee = 0,000 x 3% = % paid to your adviser = Ongoing Fee = 0,000 x.% = % paid to your adviser = A detailed explanation of charges will be provided in the Financial Services Guide (FSG) that will be provided to you with this adviser profile. The exact amounts of any fees, commissions, bonuses or other incentives received by Advisers and the Licensee will be included in a Statement of Advice (SOA) that they will provide to you. Date of Issue: 6 December 04 David Earley Version: DEARL06 Page 3 of 3

4 Corporate Authorised Representative SME Flat Fee Quotation For: Structure: Initial Advice SoA Implementation Ongoing Advice Claims Initial Advice SoA Initial Consultation. At Our Cost! Personal Debt Reduction Advice. (Refer separate The Geyer Group invoice) Risk Protection Advice & Preparation of Statement of Advice (SoA). Superannuation Advice & Preparation of Statement of Advice (SoA). (Business I Personal) (Business I Personal) Business Succession Planning Key Person Protection Group Risk Protection Corporate Superannuation Advice & Preparation of Statement of Advice (SoA) Estate Planning Advice. Implementation Personal Debt Reduction Programme Implementation. Risk Protection Programme Implementation. Superannuation Programme Implementation. (Refer separate The Geyer Group invoice) (Business I Personal) (Business I Personal) Business Succession Planning Key Person Protection Group Risk Protection Corporate Superannuation Programme Implementation Estate Planning Mortgage Broker/Bank Liaison Ongoing Advice Yearly Review Pertaining to: Ongoing Advice, Strategy, Monitoring & Reviewing of your Risk Protection Superannuation Business Succession Planning Key Person Protection Group Risk Protection Corporate Superannuation Estate Planning Programme for the period; / / to / /. Assistance & Preparation of Claim pertaining to your Risk Protection Partnership Protection Business Succession Protection Key Person Protection Superannuation Program Estate Planning. Refer Overleaf Notes: Sub-Total GST Total (Including GST) This quote remains valid for thirty Signed: (30) days only from date Dated: of signature. David J Earley Financial Adviser Business Owner Speaker Authorised Representative (No. 6676) SME Insurance Professionals Pty Ltd Corporate Authorised Representative (No ) Thank you for entrusting us to help YOU! PTO RK008 V5 V Telephone Facsimile Office 8 Myrtle Street, Heidelberg Heights VIC 308 Postal PO Box 56, Ivanhoe VIC Web SME Insurance Professionals Pty Limited ABN

5 Corporate Authorised Representative SME Flat Fee Quotation (Cont.) Claims Fees: Yes, we do charge fees for our Claims Management Services.. The reason for this is to ensure that we get the best possible outcome for you, your family and/or your business every time. This may involve contracting in specialist advice where required. We build into lump sum policies e.g. Death Cover Protection, TPD* Protection, Estate Equalisation Protection, Loan Protection, Key Person Protection, Partnership Protection, Living Cover Protection (Critical Illness) and Child Living Cover Protection (Critical Illness) to cover for these contingencies. With respect to Income Protection and Business Expenses Protection, we charge an initial fee plus a monthly fee for the duration of the claim. (Income Protection and Business Expenses Claims will need to be paid separately as we cannot include it in the sum insured). All fees are disclosed in the Statement of Advice (SoA). *TPD = Total & Permanent Disablement Income Protection Business Expenses Protection Death Cover Protection Policy Estimated Hours SME Fee** 0 hours Initially, pm 0 hours Initially, pm 5 hours 3,900 Total & Permanent Disablement (TPD) Protection 30 hours 7,800 Estate Equalisation Protection Loan Protection Key Person Partnership Protection Living Cover Protection (Critical Illness) Child Living Cover Protection (Critical Illness) Superannuation 5 hours 3,900 5 hours 3, hours 0, hours 0,400 6 hours,560 6 hours,560 5 hours 3,900 **Fees are inclusive of GST and are based on estimated time taken to manage your claim x SME hourly rate. **SME Fees exclude any external third party professional(s) we may call upon to assist with your claim. Their costs will be billed separately. Please note this is not a guarantee of a successful claim. SME Insurance Professionals Pty Limited acts on your behalf as an intermediary between you and the insurance company and/or fund manager. All Insurance companies and/or fund managers will assess your eligibility to claim based on the information provided to them and any other information they request following the submission of appropriate claim forms and supporting documentation. As your Financial Adviser we will be relentless in our endeavours to achieve the best possible outcome for you, your family and/or your business every time! After all we are about Helping You Achieve A Financial Security and Peace of f Mind, Now! RK008 V5 V Telephone Facsimile Office 8 Myrtle Street, Heidelberg Heights VIC 308 Postal PO Box 56, Ivanhoe VIC Web SME Insurance Professionals Pty Limited ABN

6 SME Fees Summary (Guide Only) For Private Clients, Self Employed, Husband & Wife Partnerships Personal Debt Reduction, Risk Protection and Superannuation Flat Fee Structure Per Person Initial Consultation First One () To Two () Hour Consult. At Our Cost! Personal Debt Reduction Risk Protection Superannuation Advice Estate Planning Advice Complete Needs Analysis, Strategy Analysis & Complete Needs Presentation [Refer Separate The Geyer Group (TGG) Invoice]. 395 Fact Find (Client Questionnaire), Review Of Existing Programme, Research, Examination Of Financials, Liaison And Follow Up With External Parties,,, 7, 8 Strategy Analysis & Preparation Of Statement Of Advice (SoA). 50 Fact Find (Client Questionnaire), Review Of Existing Programme, Liaison And Follow Up With External Parties, Risk Tolerance Profile, Research,,, 7, 8 Strategy Analysis & Preparation Of Statement Of Advice (SoA). 50 Fact Find, Review Of Existing Estate Planning Programme, Liaison And Follow Up With Accredited Estate Planning Specialist. 57 4, 7 Personal Debt Reduction Mortgage Broker/Bank Liaison Risk Protection Programme Superannuation Programme Estate Planning Advice Implementation And Training Of Financial Tracking System. [Refer Separate The Geyer Group (TGG) Invoice]. 4,950 Implementation And Follow Up With Mortgage Broker &/Or Bank Pertaining To Any Banking Product Being Instigated Or Amended. 3 Completion Of Application(s), Completion Of Additional Documentation, Arrangement And Follow Up Of Medicals, Liaison And Follow Up With External Parties. 5, 6 Completion Of Application(s), Completion Of Additional Documentation, Completion Of Rollover Paperwork (3), Lost Superannuation Search Completion And Follow Up Of Documentation With Accredited Estate Planning Specialist Should A Combined Risk Protection And Superannuation Advice Package Be Required, The Combined Cost Per Person Will Be 780 A Saving Of 5%! Should Two () Combined Risk Protection And Superannuation Advice Packages Be Required, The Combined Cost Per Couple Will Be,44 A Saving Of 45%! Included In Commission Paid By The Mortgage Broker/Bank. Additional Fee Applies For Accredited Estate Planner s Work. Separate Invoice Will Be Supplied. Included In Commission Paid By The Life Office Recommended. Please Refer Statement Of Advice (SoA) For Clarification. With Respect To Risk Protection, SME Insurance Professionals Pty Ltd Receives Commission From The Recommended Life Office, Which Does Not Affect The Premium Paid By You In Any Way. Please Refer To The Statement Of Advice (SoA) For Clarification. Fee Drawn Down Against Superannuation Where Workable. Includes Up To Three (3) Rollovers Only. An Additional Fee May Apply For Additional Rollovers. A Takeover Fee Will Apply, Where We Are Appointed As The Adviser And We Do Not Replace The Existing Programme Due To Certain Circumstances. Included In Estate Planning Advice Fee. PTO RK008a V5 V 03 David J Earley SME Insurance Professionals Pty Limited Disclaimer: Unless specifically stated to the contrary, no information provided in this brochure should be viewed as providing personal financial advice. All information is of a general nature only and does not take into account your personal financial circumstances or objectives. You must assess whether the information provided in this brochure is appropriate for your individual needs and circumstances. Before you make a decision to purchase or take out any of the services and/or products outlined in this brochure you should speak to your financial adviser and refer to the relevant Product Disclosure Statement (PDS) for that particular service and/or product. The information in this brochure does not constitute a recommendation to invest in or take out any of the services and/or products provided by SME Insurance Professionals Pty Limited and/or Risk and Investment Advisors Australia Pty Ltd SME Insurance Professionals Pty Limited ABN Corporate Authorised Representative No

7 SME Fees Summary (Guide Only) For Private Clients, Self Employed, Husband & Wife Partnerships Personal Debt Reduction, Risk Protection and Superannuation Flat Fee Structure Personal Debt Reduction Eight (8) face to face appointments in first ( st ) year to analyse Tracking System and provide coaching and guidance. A Separate Annual Review Fee Of,300 (GST Inclusive) Applies. [Refer Separate The Geyer Group (TGG) Invoice]. Per Person Risk Protection Superannuation Advice Estate Planning Advice Ongoing Advice, Strategy, Monitoring & Reviewing of your Risk Protection Programme for twelve () months. A Separate Annual Review Fee Of 60 (GST Inclusive) May Apply. Ongoing Advice, Strategy, Monitoring & Reviewing of your Superannuation Programme for twelve () months. A Separate Annual Review Fee Of 60 (GST Inclusive) May Apply. Ongoing Advice, Strategy, Monitoring & Reviewing of your Estate Planning Programme for twelve () months. A Separate Annual Review Fee Of 60 (GST Inclusive) May Apply., 65.00pm 3, 4, 6 Claims Management Services Yes, we do charge fees for our Claims Management Services. The reason for this is to ensure that we get the best possible outcome for you, your family and/or your business every time. This may involve contracting in specialist advice where required. We build into lump sum policies e.g. Death Cover Protection, TPD* Protection, Estate Equalisation Protection, Loan Protection, Key Person Protection, Partnership Protection, Living Cover Protection (Critical Illness) and Child Living Cover Protection (Critical Illness) to cover for these contingencies. With respect to Income Protection and Business Expenses Protection, we charge an initial fee plus a monthly fee for the duration of the claim. (Income Protection and Business Expenses Claims will need to be paid separately as we cannot include it in the sum insured). 5 *TPD = Total & Permanent Disablement N.B. Included In Personal Debt Reduction Implementation Fee. Included In Commission Paid By The Life Office Recommended In The Implementation Fee. Please Refer Statement Of Advice (SoA) For Clarification. Fee Drawn Down Against Superannuation Where Workable. Please Refer Statement Of Advice (SoA) For Clarification. Included In Estate Planning Advice Fee. Please Refer To The SME Flat Fee Quotation And Statement OF Advice (SoA) For Our Claims Fees. Fee Drawn Down Against Superannuation Where Workable. Any Additional Advice May Incur An Additional Fee Which Pertains To Additional Strategies, Specific Advice Relating To An Enquiry That May Fall Outside Of The Parameters Of The Existing Programme. We Will Advise If Any Additional Fee Will Be Charged Prior To The Advice Given. RK008a V5 V 03 David J Earley SME Insurance Professionals Pty Limited Disclaimer: Unless specifically stated to the contrary, no information provided in this brochure should be viewed as providing personal financial advice. All information is of a general nature only and does not take into account your personal financial circumstances or objectives. You must assess whether the information provided in this brochure is appropriate for your individual needs and circumstances. Before you make a decision to purchase or take out any of the services and/or products outlined in this brochure you should speak to your financial adviser and refer to the relevant Product Disclosure Statement (PDS) for that particular service and/or product. The information in this brochure does not constitute a recommendation to invest in or take out any of the services and/or products provided by SME Insurance Professionals Pty Limited and/or Risk and Investment Advisors Australia Pty Ltd SME Insurance Professionals Pty Limited ABN Corporate Authorised Representative No

8 Our Fees (Guide Only) For Partnerships, Companies & Trust Structures Business Risk Protection and Superannuation Flat Fee Structure Initial Consultation First One () To Two () Hour Consult. At Our Cost! Risk Protection Business Risk Protection Per Person Fact Find (Client Questionnaire), Review Of Existing Programme, Research, Examination Of Financials, Liaison And Follow Up With External Parties, Strategy Analysis & Preparation Of Statement Of Advice (SoA) ,9 Fact Find (Client Questionnaire), Review Of Existing Programme, Research, Examination Of Financials, Liaison And Follow Up With External 4, 5, 9 Parties, Strategy Analysis & Preparation Of Statement Of Advice (SoA).,560 Superannuation Advice Fact Find (Client Questionnaire), Review Of Existing Programme, Liaison And Follow Up With External Parties, Risk Tolerance Profile, Research, Strategy Analysis & Preparation Of Statement Of Advice (SoA) , 9 Risk Protection Programme Business Risk Protection Superannuation Programme Completion Of Application(s) Completion Of Additional Documentation, Arrangement And Follow Up Of Medicals, Liaison And Follow Up With External Parties. 6, 7 Fact Find (Client Questionnaire), Review Of Existing Programme, Research, Examination Of Financials, Liaison And Follow Up With External Parties, Strategy Analysis & Preparation Of Statement Of Advice (SoA). 6, 7 Completion Of Application(s) Completion Of Additional Documentation, Completion Of Rollover Paperwork (3), Lost Superannuation Search Includes Income Protection, Business Expenses Protection, Death Cover Protection, Total & Permanent Disability Protection, Living Cover Protection (Critical Illness), Child Living Cover Protection (Critical Illness), Loan Protection, Estate Equalisation Protection Etc.., Includes Partnership Protection, Key Person Protection, Group Risk Protection, Corporate Superannuation Etc.., Should A Combined Risk Protection And Superannuation Advice Package Be Required, The Combined Cost Per Person Will Be,70 A Saving Of 5%! Includes up to Two () Partners / Directors and 0 Employees. Any External Specialist Partnership Protection Solicitor or Professional Adviser Will Be Charged Separately For Services Rendered. Should Two () Combined Risk Protection And Superannuation Advice Packages Be Required, The Combined Cost Per Couple Will Be,76 A Saving Of 45%! Included In Commission Paid By The Life Office Recommended. Please Refer Statement Of Advice (Soa) For Clarification. With Respect To Risk Protection, SME Insurance Professionals Pty Ltd Receives Commission From The Recommended Life Office, Which Does Not Affect The Premium Paid By You In Any Way. Please Refer To The Statement Of Advice (Soa) For Clarification. Fee Drawn Down Against Superannuation Where Workable. Includes Up To Three (3) Rollovers Only. An Additional Fee May Apply For Additional Rollovers. A Takeover Fee Will Apply, Where We Are Appointed As The Adviser And We Do Not Replace The Existing Programme Due To Certain Circumstances. PTO RK008a V5 V 03 David J Earley SME Insurance Professionals Pty Limited Disclaimer: Unless specifically stated to the contrary, no information provided in this brochure should be viewed as providing personal financial advice. All information is of a general nature only and does not take into account your personal financial circumstances or objectives. You must assess whether the information provided in this brochure is appropriate for your individual needs and circumstances. Before you make a decision to purchase or take out any of the services and/or products outlined in this brochure you should speak to your financial adviser and refer to the relevant Product Disclosure Statement (PDS) for that particular service and/or product. The information in this brochure does not constitute a recommendation to invest in or take out any of the services and/or products provided by SME Insurance Professionals Pty Limited and/or Risk and Investment Advisors Australia Pty Ltd SME Insurance Professionals Pty Limited ABN Corporate Authorised Representative No

9 Our Fees (Guide Only) For Partnerships, Companies & Trust Structures Business Risk Protection and Superannuation Flat Fee Structure Risk Protection Business Risk Protection Ongoing Advice, Strategy, Monitoring & Reviewing of your Risk Protection Programme for twelve () months. A Separate Annual Review Fee Of 765 (GST Inclusive) May Apply. Ongoing Advice, Strategy, Monitoring & Reviewing of your Business Risk Protection Programme for twelve () months. A Separate Annual Review Fee Of 765 (GST Inclusive) May Apply. Per Person Superannuation Advice Ongoing Advice, Strategy, Monitoring & Reviewing of your Superannuation Programme for twelve () months. A Separate Annual Review Fee Of 765 (GST Inclusive) May Apply pm, 4 Claims Management Services Yes, we do charge fees for our Claims Management Services. The reason for this is to ensure that we get the best possible outcome for you, your family and/or your business every time. This may involve contracting in specialist advice where required. We build into lump sum policies e.g. Death Cover Protection, TPD* Protection, Estate Equalisation Protection, Loan Protection, Key Person Protection, Partnership Protection, Living Cover Protection (Critical Illness) and Child Living Cover Protection (Critical Illness) to cover for these contingencies. With respect to Income Protection and Business Expenses Protection, we charge an initial fee plus a monthly fee for the duration of the claim. (Income Protection and Business Expenses Claims will need to be paid separately as we cannot include it in the sum insured). 3 *TPD = Total & Permanent Disablement 3 4 N.B. Included In Commission Paid By The Life Office Recommended In The Implementation Fee. Please Refer Statement Of Advice (SoA) For Clarification. Fee Drawn Down Against Superannuation Where Workable. Please Refer Statement Of Advice (SoA) For Clarification. Please Refer To The SME Flat Fee Quotation And Statement OF Advice (SoA) For Our Claims Fees. Fee Drawn Down Against Superannuation Where Workable. Any Additional Advice May Incur An Additional Fee Which Pertains To Additional Strategies, Specific Advice Relating To An Enquiry That May Fall Outside Of The Parameters Of The Existing Programme. We Will Advise If Any Additional Fee Will Be Charged Prior To The Advice Given. RK008a V5 V 03 David J Earley SME Insurance Professionals Pty Limited Disclaimer: Unless specifically stated to the contrary, no information provided in this brochure should be viewed as providing personal financial advice. All information is of a general nature only and does not take into account your personal financial circumstances or objectives. You must assess whether the information provided in this brochure is appropriate for your individual needs and circumstances. Before you make a decision to purchase or take out any of the services and/or products outlined in this brochure you should speak to your financial adviser and refer to the relevant Product Disclosure Statement (PDS) for that particular service and/or product. The information in this brochure does not constitute a recommendation to invest in or take out any of the services and/or products provided by SME Insurance Professionals Pty Limited and/or Risk and Investment Advisors Australia Pty Ltd SME Insurance Professionals Pty Limited ABN Corporate Authorised Representative No

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