Renew and upgrade your equipment. Equipment Finance

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1 Renew and upgrade your equipment Equipment Finance Equipment that operates at peak performance is important to your practice s success. Old equipment can be costly to service and equipment down time can affect your cashflow. The good news is that with GFG s equipment finance, it s possible to both update your practice with the latest equipment and to spread the repayments to suit your budget. GFG s equipment finance can give you access to the money you need for the equipment you want, including: new and used practice equipment, fit-out, fittings, furnishings and computer hardware/software. Geelong Financial Group (GFG) offers you a range of equipment finance options, each with its own advantages. Our equipment finance team can custom design a finance solution with repayments to suit your budget. GFG removes the hurdles placed in front of you by other financiers. We understand that your time is important so our experienced staff make appointments at a time and place that suit you and help you to acquire your equipment quickly and easily. After your equipment purchase is complete, GFG remains at call with specialist industry knowledge. At GFG, high quality and personalised service is our first priority. With qualified and industry accredited professionals each specialising in a different arm of finance, you can come to one company for expert advice on a wide range of services. Equipment Finance To finance new or used equipment Lease Hire Purchase Chattel Mortgage Repayments are tax deductible * Depreciations of the equipment is tax deductible* Interest is tax deductible GST is payable on the cost of the equipment GST is payable on your repayments * If used for income producing purposes Product Benefits Finance up to 100% of the cost of your equipment Structure your repayments to suit your cashflow No additional security required.

2 Driving forward Need finance for a new or used car? Whether you are purchasing a vehicle through a dealership or private sale. GFG offers you the finance you need to drive the car that you want. With GFG s motor vehicle finance, there is no deposit required you can borrow up to 100% of the cost of your vehicle. And the good news is that there are no annual fees and no application forms to fill out. Driving forward Motor Vehicle Finance Geelong Financial Group (GFG) offers you a range of motor vehicle finance options, each with its own advantages. Our vehicle finance team can custom design a finance solution with repayments to suit your budget. GFG removes the hurdles placed in front of you by other financiers. We understand that your time is important, so our experienced staff make appointments at a time and place that suit you, and help you to acquire your motor vehicle quickly and easily. After your car purchase is complete, GFG remains at call with specialist industry knowledge. At GFG, high quality and personalised service is our first priority. With qualified and industry accredited professionals each specialising in a different arm of finance, you can come to one company for expert advice on a wide range of services. Motor Vehicle Finance To finance new or used cars. Lease Hire Purchase Chattel Mortgage Repayments are tax deductible * Depreciations of the car is tax deductible*ᵻ Interest is tax deductible GST is payable on the cost of the car GST is payable on your repayments * If used for income producing purposes ᵻ Up to luxury motor vehicle threshold limit Product Benefits Finance up to 100% of the cost of your vehicle Structure your repayments to suit your cash flow No additional security required

3 Your Investment Property If you are thinking about investing in property, GFG can help you to purchase real estate that is an investment in your financial future. GFG s residential finance team can arrange you finance with a unique point of difference there is no requirement for you to pay Lenders Mortgage Insurance. And, within approved limits, you can borrow a high percentage of the purchase price of your property. GFG can ensure your interest rates are competitive. Plus, with a choice of line of credit, fixed or variable rates, interest only or principal and interest, you can choose the repayments that best fit your budget. At GFG, we believe in keeping things simple. That s why the team at GFG are always available to discuss in easy to understand terms, the various ways to structure a Residential Investment Loan to suit your needs. Buying a residential investment property? Residential Investment Geelong Financial Group (GFG) knows that your time is important so our experienced staff come to you, simplify the loan process and help you to acquire your investment property, quickly and easily. After your property purchase is complete, GFG remains at call with quality services and specialist industry knowledge. At GFG, high quality, personalised service is our first priority. Repayment options GFG offers you a range of repayment options, each with its own benefits. For example it may suit you to pay your interest in advance. GFG s tailored finance options allow you to take advantage of possible tax benefits. With qualified and industry accredited professionals each specialising in a different arm of finance, you can come to one company for expert advice on a wide range of services. Residential Investment Loan To purchase or refinance a residential investment property. No Lender s Mortgage Insurance required Principal + Interest & Interest Only repayment options Fixed & variable interest rate options Interest in arrears or advance No annual fees Competitive annual rate Line of Credit redraw facilities available* Maximum term 30 years It s easy - Take the next step

4 Purchase your own practice rooms Your practice rooms can be an important contributor to your business success. Purchase your own practice premises and you can create the patient-friendly rooms you have always wanted. By investing in your own commercial premises, you may be able to convert rental payments into an investment for your financial future. Make the comparison it s possible that GFG monthly repayments are similar to your current rental costs. GFG removes the hurdles placed in front of you by other financiers. With our Practice Property Loan there is no need to worry about building up equity prior to the purchase. For approved customers, GFG can lend up to 100% of the purchase price without requiring additional security. Important Information: Because we do not know your personal objectives please consider whether these products and services are appropriate for your circumstances. Approved customers only. Subject to credit assessment. Terms and conditions apply. GEELONG FINANCIAL GROUP IS AN ASIC REGISTERED CREDIT LICENCEE. AUSTRALIAN CREDIT LICENCE NUMBER Purchase your practice rooms Practice Property Loan Flexible payment options If you are concerned about the cost of purchasing and setting up a new practice, why not explore Geelong Financial Group s (GFG) structured or interest only repayment options? Sometimes finance options are presented in a way that s difficult to understand. Your GFG Relationship Manager is always available to discuss in plain English the different ways to custom design a repayment structure to suit your budget. GFG knows that your time is important so our experienced Relationship Managers come to you, simplify the loan process and help you to acquire your practice rooms quickly and easily. After your loan has settled, your GFG s Relationship Manager remains at call with specialist industry knowledge. At GFG high quality and personalized service is our first priority. With qualified and industry accredited professionals each specialising in a different arm of finance, you can come to one company for expert advice on a wide range of services. Practice Property Loan To purchase or re-finance your practice rooms No additional security required Ability to lend up to 100% of the purchase price No ongoing service fees Fixed and variable interest rate options Redraw available No application forms to fill out Principle + interest and interest only repayments available Customised repayments ask your GFG Relationship Manager how an interest only or split loan facility can benefit you.

5 Own your own practice If you are considering buying a practice or purchasing a share of an existing practice, GFG has the expertise to help. GFG removes the hurdles placed in front of you by other finance companies. For approved customers, GFG can lend up to 100% of the practice purchase price, without requiring additional security. The purchase price of your practice is usually determined by a combination of equipment, goodwill and stock. With GFG you can finance your goodwill separately to your equipment and take advantage of possible tax benefits. Own your practice Practice Purchase Finance Geelong Financial Group (GFG) knows that your time is important so our experienced Relationship Mangers come to you, simplify the loan process and help you to acquire your practice quickly and easily. After your practice purchase is complete, your GFG Relationship Manager remains at call with quality service and specialist industry knowledge. At Geelong Financial Group, high quality, personalised service is our first priority. GFG offers you a range of finance solutions, each with its own benefits. For example, it may suit you to lease your equipment and to finance your goodwill via a separate loan. GFG mix and match finance options allow you to take advantage of possible tax benefits. license With qualified and industry accredited professionals each specialising in a different arm of finance, you can come to one company for expert advice on a wide range of services. Practice Property Loan To purchase or re-finance your practice rooms Product features No real estate property required as security Ability to lend up to 100% of your practice purchase price No ongoing service fees Fixed & variable interest rate Redraw options available No application forms to fill out Principle + interest & interest only repayment options Finance your goodwill & equipment separate and take advantage of possible tax benefits

6 Set up or improve your practice Practice set up and improvement loan Draw down facility Looking forward to setting up or making improvements to your practice? GFG has the expertise to help. When your suppliers are paid and you are ready to open your With qualified and industry accredited professionals Practice set up and improvement GFG Finance offers you an easy option custom designed to fund your practice refurbishment or set up. practice doors, the practice set up and improvement loan is rolled over into your preferred Geelong Financial Group (GFG) asset finance option. each specialising in a different arm of finance, you can come to one company for expert advice on a wide range of services. To pay suppliers over a short period of time, while your practice is being set up or refurbished While your practice is being refurbished or in set up stage, GFG pays your supplier invoices by drawing progressive amounts from your loan. Not drawing the entire loan amount at once, helps reduce the interest you pay. Repayments generally don t start until your practice set up is complete, so there is minimal outlay during your refurbishments.* And because GFG makes invoice payments directly to your suppliers, your administration time is also reduced. GFG understands that your time is important so our experienced GFG Relationship Managers come to you and help finance your refurbishment or practice set up quickly and easily. And the good news is that GFG reduces your administration time by following up and making payments directly to your suppliers on your behalf. After your practice improvements are complete, your GFG Product features Repayments do not start until your practice improvements are complete. GFG makes supplier payments on your behalf No additional security required No application forms to fill out No annual fees Relationship Manager remains at call with specialist industry GFG can finance your entire practice set up or all improvements including: fit-out, fixtures, fittings and equipment. knowledge. At GFG, high quality and personalised service is our first priority.

7 Medical Financial Advice We specialise in providing professional strategic advice to help you improve your current financial position and ultimately achieve your long term lifestyle goals. Importantly, our initial advice isn t a set and forget service. Instead we offer you regular financial mentoring and ongoing guidance in all aspects of your personal finances to set you, and keep you, on the path to financial wellbeing. Our team of experienced financial professionals can provide you with a detailed and totally tailored blueprint for financial success in any or all of the following areas: Financial advice Retirement planning Superannuation/SMSF Wealth creation Investments Personal risk insurance/ asset protection Business risk insurance This is general advice only and does not take into account your personal objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice in light of your own circumstances. Geelong Financial Group Pty Ltd is a Corporate Authorised Representative of Australian Unity Personal Financial Services Ltd ABN , AFSL No , 114 Albert Road, South Melbourne, VIC The Value of Financial Advice Whether you are just starting out, have a mortgage and family, or looking towards retirement Geelong Financial Group can assist with advice suitable for your circumstances including protecting your income & assets, organising your super, starting a Self Managed Super Fund or advice on investments and retirement. Our advisers provide ongoing advice and support. Our advisers are always available to discuss any of your financial needs and queries. Comprehensive and Efficient GFG simplifies the process, we understand that your time is important, we will make appointments at a time & place that suits you. We will guide you through the journey, as well as take care of all paperwork and correspondence. With qualified and industry accredited professionals each specialising in a different arm of finance, you can come to one company for expert advice on a wide range of services. Phone our financial advisers Brooke or Hugh on (03) or Services Offered Self Managed Super Fund (SMSF) Strategies inc. purchase of property General Superannuation - consolidation & advice Tax advantaged Investment & share opportunities Funding of Partnership buy/sell agreement Personal Insurance e.g. life, income & disability protection Business Insurance e.g. business expenses, key person Retirement Strategies Estate Planning Ongoing relationship to maximise future opportunities & keep you on track