Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

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1 Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN ) Australia Fiacial Services Licece No Level 18, 175 Pitt Street, Sydey NSW 2000 We are required by law to give you a Fiacial Services Guide (FSG), which helps educate ad protect you ad promote hoesty ad fairess i fiacial products ad services. Telephoe: Fax: Versio 1.3-1/11/2005

2 Cotets 1. Why have you bee give a fiacial services guide? 1 This sectio explais why you have bee give this guide ad tells you about the other documets that will be give to you if you decide to receive advice from Fiacial Wisdom. 2. Who will be providig you with fiacial services? 1 This sectio explais the roles ad relatioships betwee your Adviser, Fiacial Wisdom ad the Commowealth Bak Group. 3. Who is your Adviser ad how ca they be cotacted? 2 The backgroud ad cotact details of the perso who will be providig advice. 4. What services ad products ca your Adviser provide? 2 This sectio covers: The rage of advice that your Adviser ca offer you. How advice must be provided, ad the limits of the advice that ca be give to you. What eeds to be doe if you wat to trasact through your Adviser but do ot wat to receive advice. Security ad privacy of your persoal iformatio. How you ca expect your portfolio to be reviewed. 5. What fees ad commissios are paid to Fiacial Wisdom? 3 This sectio shows you the costs ivolved i obtaiig advice. It explais where costs are paid from ad who they are paid to. 6. What does Fiacial Wisdom pay your Adviser? 5 Explais how your Adviser is paid. 7. What should you do if you are ot happy with the service? 6 The process you should follow if you are dissatisfied. 8. Other services available from Fiacial Wisdom 6 A summary of all services available from Fiacial Wisdom. Some services may be beyod what your Adviser ca offer.

3 1. Why have you bee give a fiacial services guide? This guide will help you decide whether to use our services. Before you use our services we will explai: Who your Adviser is ad how your Adviser ca be cotacted. What services ad products Fiacial Wisdom authorises your Adviser to provide. How Fiacial Wisdom, your Adviser, ad ay other relevat parties are paid. Who to cotact if you have a complait about your Adviser or the services provided. Other importat documets that you will be give if you receive advice from us Statemet of Advice You will receive a Statemet of Advice (SOA) for ay advice you receive that takes your persoal objectives, fiacial situatio or eeds ito accout. This SOA is a importat documet as it sets out what your Adviser is recommedig ad why this advice is suitable ad appropriate for you. There will be eough detail for you to make a decisio about whether to act o the advice. The SOA will cotai: the advice; the basis o which it is give; iformatio about replacemet of existig fiacial products; detailed iformatio about fees ad commissios; ad details of associatios that Fiacial Wisdom ad/or your Adviser have with fiacial product providers or other parties. Product Disclosure Statemet If a particular fiacial product is recommeded to you (other tha listed shares) you will be provided with a Product Disclosure Statemet (PDS). A PDS will also be provided if you istruct your Adviser to trasact o your behalf ad place a fiacial product without providig persoal advice. The PDS cotais iformatio about the particular fiacial product to help you make a decisio about that product. I this guide: 'you' meas you, our cliet or our prospective cliet. 'I', 'us', 'we' ad 'our' meas your Adviser whose details are outlied i sectio 3. Fiacial Wisdom meas Fiacial Wisdom Limited ABN , Australia Fiacial Services Licece No Ay refereces to "Commowealth Bak Group product" relate to products issued by the Commowealth Bak of Australia or its subsidiaries. 2. Who will be providig you with fiacial services? By law ayoe who advises you, or promotes fiacial products to you, has to have a Australia Fiacial Services (AFS) licece or be authorised by a AFS Licesee. Fiacial Wisdom is the holder of a AFS Licece (AFS Licece No ) ad is resposible for the fiacial product advice give to you. Your Adviser is a authorised represetative of Fiacial Wisdom ad provides services o Fiacial Wisdom's behalf. Fiacial Wisdom is also resposible for the cotet ad distributio of this FSG. Fiacial Wisdom is a Pricipal Member of the Fiacial Plaig Associatio (FPA), the professioal associatio for qualified fiacial plaers i Australia, ad is committed to the FPA's Code of Ethics ad Rules of Professioal Coduct. Fiacial Wisdom's relatioship with the Commowealth Bak Group Fiacial Wisdom is a wholly owed, but o-guarateed subsidiary of the Commowealth Bak of Australia, oe of Australia's largest fiacial services orgaisatios. Fiacial Wisdom has associatios with the followig etities: Commowealth Bak of Australia The Coloial Mutual Life Assurace Society Limited (CMLA) tradig as CommIsure Coloial First State Ivestmets Limited Commowealth Securities Limited (CommSec) 452 Capital Pty Ltd The Avateos Group Symetry Limited 1

4 3. Who is your Adviser ad how ca they be cotacted? The details of your Fiacial Wisdom authorised represetative: Name: ASIC Adviser idetificatio umber: Address: City: Graeme Hood CD, Dip FP, CFP First Floor 982 Welligto Street West Perth State ad Postcode: WA 6005 Telephoe: Facsimile: I have had cosiderable isurace ad fiacial plaig experiece over the last 20 years. I have the followig educatioal qualificatios; Diploma of Fiacial Plaig Certified Fiacial Plaer I am also a member of the Fiacial Plaig Associatio of Australia. 4. What services ad products ca your Adviser provide? Will you receive persoal fiacial advice? Yes, your Adviser is qualified ad authorised to provide you with persoal fiacial advice that is tailored to your eeds, objectives ad fiacial situatio. What iformatio should you provide to receive persoal fiacial advice? I order to provide you with appropriate advice, your Adviser will ask you to provide iformatio about: your persoal circumstaces; details of your curret fiacial situatio; ad other relevat matters. You have the right ot to disclose all iformatio but your Adviser may ot be able to provide advice that is appropriate to your eeds, objectives ad fiacial situatio without it. You should read the warigs cotaied i ay documetatio carefully before makig ay decisio relatig to a fiacial product. What is the extet of the advice that your Adviser ca offer you? Your Adviser is authorised to provide persoal fiacial advice o the followig: Persoal Fiacial Advice: Ivestmet ad Retiremet Plaig Persoal ad Employer Superauatio ad Rollover Persoal Life Isurace Self-Maaged Super Fud - ivestmet & risk maagemet strategies Iformatio o Cetrelik beefits Portfolio review services Product Types: Securities - (eg shares ad debetures) Maaged Fuds - (eg uit trusts) Deposit Products - (eg term deposits, savigs accouts) Govermet Debetures - (eg stocks ad bods) Life Isurace - (eg icome protectio, trauma ad life cover) Superauatio - (eg rollovers, allocated pesios ad auities) Retiremet Savigs Accouts How advice must be provided Persoal fiacial advice will be provided to you i writig (i a SOA) oly after your Adviser has reviewed the iformatio you provide to us ad has carefully cosidered your fiacial goals. 2

5 The scope of products used to meet your eeds The advice provided ca iclude recommedatio of both Commowealth Bak Group products ad products offered by other compaies. Ay product recommeded has bee draw from a list of products that has bee examied ad approved by our Product Review Committee. By cosiderig both Commowealth Bak Group products ad ivestmet ad isurace products from other Fud Maagers ad Life Compaies, we ca prepare a SOA that more effectively meets your eeds. Limits o the advice that ca be provided Whe makig recommedatios to you, tax, social security ad estate plaig issues ca be discussed but we are ot authorised to give advice relatig to these issues. If you wat detailed advice you should cosult a specialist i that area. It is importat to ote that your Adviser caot provide advice o the followig: Geeral Isurace Direct Share Ivestmets Derivatives Foreig Exchage Other services available from Fiacial Wisdom Fiacial Wisdom is able to offer advice o a rage of fiacial products that may be broader tha your Adviser ca offer you. A summary of all the services available from Fiacial Wisdom is provided i sectio 8. Ca you make a trasactio without receivig persoal fiacial advice? Yes, we ca take your istructios to trasact o your behalf ad place a fiacial product (that Fiacial Wisdom is able to offer) without providig persoal fiacial advice. How do you provide istructios to your Adviser? Geerally we eed you to istruct your Adviser i perso, as your sigature will be required for verificatio. However, for some products ad services it is possible for special arragemets to be put i place where istructios ca be give to your Adviser by fax, phoe or . What persoal iformatio is maitaied i your file ad is it kept secure? Your Adviser must keep a record of your persoal profile. This has to iclude details of your persoal eeds, objectives ad fiacial situatio ad a record of ay advice give to you. Fiacial Wisdom is committed to esurig the privacy ad security of your persoal iformatio. As part of our cotiuig commitmet to cliet service ad maiteace of cliet cofidetiality we have adopted the priciples set out i the Privacy Act. For further details please refer to the Commowealth Bak Group's Privacy Policy at If you wish to examie your file please ask your Adviser. Will your portfolio be reviewed? It is recommeded that you review your fiacial situatio regularly or wheever your persoal or fiacial circumstaces chage. Your Adviser will coduct a review of your portfolio o a yearly basis ad you will receive otificatio from our office whe your yearly review is due or alteratively you may cotact our office earlier if you wish. You will, of course, receive regular iformatio from the product providers about the value ad performace of your ivestmets, as well as details of ay isurace policy cover. You will, of course, receive regular iformatio from the product providers about the value ad performace of your ivestmets, as well as details of ay isurace policy cover. 5. What fees ad commissios are paid to Fiacial Wisdom? What are the costs ivolved i obtaiig advice ad to whom are they paid? A rage of fees ad commissios may be paid for the advice you receive ad the fiacial products used. These fees ad commissios are paid to Fiacial Wisdom as the Licesee ad are ot paid directly to your Adviser. The Adviser's remueratio is set out i sectio 6, "What does Fiacial Wisdom pay your Adviser?". The types of paymets are outlied below. Before providig ay fiacial advice your Adviser will discuss these optios with you ad help you select the paymet method that suits you best. I all cases, details of paymet required for the services provided will be give to you at the time of ay persoal fiacial advice or whe executig a trasactio o your behalf. All fees detailed below are iclusive of GST (where applicable). Fee for Service Provided Uder this method of paymet, there are miimum fees for each service provided to you. There is a miimum fee for the preparatio of a Statemet of Advice of $ GST is applicable to the above fees. You will be provided with a tax ivoice for the service provided ad you will eed to provide a cheque or moey order payable to Fiacial Wisdom i accordace with the ivoice. 3

6 Scale of Charges If you pay via this method, the fees charged by us are calculated whe ew ivestmets are made. Part or all iitial commissios received from a product provider uder this fee structure may be rebated to you. A example of how this may be calculated is set out below. 4.0% of the first $20,000 ivested 3.5% for $20,001 to $50,000 ivested 2.5% for $50,001 to $200,000 ivested 2.0% for $200,001 to $400,000 ivested 1.25% for $400,001 to $600,000 ivested 0.75% for $600,001 plus 0.5% for CPSL Master Fud & IOOF Lifetrack upgrade A ogoig yearly fee of 0.60% of Fuds uder Maagemet A miimum fee of $500 is payable i all cases A additioal fee of $250 per year is payable if the optioal service of a bi-aual portfolio review is selected. Example: You place a total of $200,000 i Maaged Fuds. The cost to you is: Percetage applied Amout ivested Fee charged 4% o the first $20,000 = $ % o the ext $30,000 = $1, % o the ext $150,000 = $3,750 Total Average 2.8% $200,000 = $5,600 Uder this fee structure, you will be give a tax ivoice for the service provided ad paymet will be made to Fiacial Wisdom i accordace with the ivoice. Commissios & Adviser Service Fee i) Commissios Uder this method of paymet, Fiacial Wisdom receives a commissio directly from the product provider. This commissio is based o a percetage of the fuds you ivest or the premiums you pay. Commissios are ot paid directly by you, but are deducted from the ivestmet or premium by the product provider. These commissios fall ito two geeral categories: Iitial Commissio - This is a oe off commissio paid at the start of a ivestmet or isurace policy. The iitial commissio o a ivestmet product, icludig superauatio, ca be up to 5.5% (GST iclusive) of the ivestmet amout. The iitial commissio o a isurace product ca be up to 125% (GST iclusive) of the first year's premium. For example, for a ivestmet of $10,000 i a product with a iitial commissio of 5.5%, Fiacial Wisdom will receive a upfrot commissio of $550. For a first year premium of $1,000 o a isurace product with a iitial commissio of 125%, Fiacial Wisdom will receive a upfrot commissio of $1,250. Ogoig Commissio - This is paid every year i which the ivestmet or isurace policy is maitaied, as part of the product provider's ogoig charges. The ogoig commissio o ivestmet products, icludig superauatio, ca be up to 1.1%pa (GST iclusive) of the ivestmet amout. The ogoig commissio o isurace products ca be up to 38.5%pa (GST iclusive) of the reewal premium. For example, for a cotiuig ivestmet of $10,000 i a product with a ogoig commissio of 1.1%, Fiacial Wisdom will receive $110 every year that the ivestmet is maitaied. For a reewal premium of $500 o a isurace product with a ogoig commissio of 38.5%, Fiacial Wisdom will receive $ every year that the isurace policy is maitaied. ii) Adviser Service Fee The Adviser Service Fee is a fee agreed betwee you ad your Adviser for their ogoig advice ad service. It is paid to Fiacial Wisdom, ad Fiacial Wisdom may pay part or all of the fee to your Adviser. For example, if you ad your Adviser agree that a Adviser Service Fee of 0.66% per aum will be charged o a cotiuig ivestmet of $10,000, Fiacial Wisdom will receive $66.00 every year that the ivestmet is maitaied. Some products offer the optio to deduct the Adviser Service Fee from your fuds o a periodic basis. If this fee is to apply to you, it will be fully detailed i your SOA. Other beefits that may be received Fiacial Wisdom ad your Adviser may also be etitled to receive other beefits, outlied below. These are ot a additioal cost to you. Fiacial Wisdom Advisers may be ivited to participate, sometimes with their parters, i domestic ad iteratioal educatioal cofereces ad semiars arraged by Fiacial Wisdom. It is ot possible to estimate a dollar value of these beefits at this time. Fiacial Wisdom Advisers have access to a buyer of last resort facility offered by Fiacial Wisdom, which is subject to certai coditios. The amout Fiacial Wisdom would pay for the Adviser's busiess depeds o the amout of icome geerated by the cliet base. The purchase price will be greater for Advisers with a higher level of icome. However, the purchase price will be reduced where that icome relates to icome geerated from o-commowealth Bak Group products (that is, fiacial products which are ot issued by the Commowealth Group of Australia or its subsidiaries). Icome from o-commowealth Bak Group products is reduced by 25% whe calculatig the purchase price. 4

7 Fiacial Wisdom will receive a additioal commissio of 10% above the applicable commissio rate o certai Commowealth Bak Group products. This additioal commissio may be paid to your Adviser at Fiacial Wisdom's absolute discretio. This paymet is depedet upo the Adviser achievig certai earigs ad advice quality ratigs. Bak Deposit products, Risk Isurace products ad Cash Maagemet Trusts do ot cout towards paymet of this commissio. This meas that for every $1,000 worth of commissio received for certai Commowealth Bak Group products above target, Fiacial Wisdom may pay your Adviser a additioal $100 commissio. Advisers may be etitled to a oe-off Quality Bous of up to 8% of the first year's premium o CommIsure Persoal Isurace Portfolio series of products if they meet certai advice ad service requiremets. Fiacial Wisdom will receive additioal commissio from some product providers ad may pay some or all of this commissio to your Adviser if they meet certai advice quality ad earigs ratigs. Fiacial Wisdom receives: i) Up to a maximum of 0.2% per aum of the average mothly fuds uder maagemet for Coloial First State FirstChoice retail products. This meas that if fuds uder maagemet average $50,000 per moth, Fiacial Wisdom will receive up to $100 per aum. ii) Up to a maximum of 7.5% of the et Admiistratio Fee charged by Asgard for their ivestmet products. This meas that for every $100 of et Admiistratio Fees charged by Asgard, Fiacial Wisdom will receive a additioal paymet of up to $7.50. iii) Up to a maximum of 0.25% per aum of the average fuds uder maagemet for INGs PortfolioOe, OeAswer ad OptiMix product platforms. This meas that if fuds uder maagemet average $50,000 per quarter, Fiacial Wisdom will receive $125 per aum. Mior uquatifiable beefits icludig busiess luches, tickets to sportig ad cultural evets, corporate promotioal merchadise, ad other mior beefits from Fiacial Wisdom or product providers whose products we recommed. Give that such beefits are discretioary ad relate to future evets, it is ot possible to provide a estimate dollar value. Parters i Wisdom Program Fiacial Wisdom receives support from product providers to assist i coductig cofereces, professioal developmet programs, study tours ad various other fuctios atteded by Advisers. Fiacial Wisdom curretly offers platium, gold ad silver packages where the product provider ca cotribute amouts of $70,000, $40,000 ad $20,000 respectively towards parterig Fiacial Wisdom i providig Adviser traiig ad cofereces. Are fees paid for referrals? If you have bee referred to us by someoe else, or if we refer you to someoe else, Fiacial Wisdom or the Adviser may pay them a fee or commissio, or may receive a referral fee. The SOA will disclose these referral paymets ad the amouts paid. 6. What does Fiacial Wisdom pay your Adviser? Oce Fiacial Wisdom receives paymet for a service, your Adviser will be paid as follows: Whe a Commowealth Bak Group product is recommeded, Fiacial Wisdom will pass betwee 90% ad 99% of the commissio, fee ad bous amout to the Adviser ad retai betwee 1% ad 10%. I order to achieve the maximum rate of 99% o a Commowealth Bak Group product your Adviser must meet certai advice ad service targets Whe a o-commowealth Bak Group product is recommeded, Fiacial Wisdom will pass betwee 80% ad 95% of the commissio, fee ad bous amout to the Adviser ad retai betwee 5% ad 20%. I order to achieve the maximum rate of 95% o No-Commowealth Bak Group product the Adviser must meet certai advice ad service targets. Therefore, if a product of the Commowealth Bak Group is recommeded ad implemeted (this icludes but is ot limited to Coloial First State ad CommIsure products), your Adviser is paid more tha if a product ot offered by the Commowealth Bak Group is recommeded ad implemeted. The exact amouts payable to Fiacial Wisdom ad your Adviser will be disclosed i your SOA. If the amout is ot calculable at the time the SOA is give, the way the amout is calculated will be disclosed i the SOA. 5

8 Fiacial Wisdom ad your Adviser maitai a public register of alterative forms of remueratio of $300 or equivalet value received from product providers or fud maagers whose products or platforms Fiacial Wisdom Advisers recommed. A copy is available for ispectio by cotactig: Fiacial Wisdom Limited Level 18, 175 Pitt Street Sydey NSW Phoe: (02) or What should you do if you are ot happy with the service? If you are ot happy with the services provided or your Adviser, please: Cotact your Adviser ad discuss your complait. If your complait is ot satisfactorily resolved withi 3 days, please cotact by telephoe or i writig: Complaits Maager Fiacial Wisdom Limited Level 18, 175 Pitt Street Sydey NSW Phoe: (02) or We will aim to resolve your complait quickly, fairly ad withi prescribed time frames. If you are still ot satisfied you have the right to refer the matter to Fiacial Idustry Complaits Service (FICS), which Fiacial Wisdom is a member of. They ca be cotacted o Other services available from Fiacial Wisdom The advice, services ad products your Adviser ca offer are described i sectio 4 of this guide. Some of the services Fiacial Wisdom ca provide may be beyod those which your Adviser ca provide. Below is a complete listig of all the types of advice ad fiacial products Fiacial Wisdom offers: Advice Fiacial Wisdom ca offer: Ivestmet ad Retiremet Plaig Persoal ad Employer Superauatio ad Rollover Persoal Life Isurace Self-Maaged Super Fud - ivestmet ad risk maagemet strategies Iformatio o Cetrelik ad Vetera's Affairs beefits Portfolio review services Margi Ledig Mortgages Product Types: Securities - (eg shares ad debetures) Maaged Fuds - (eg uit trusts) Deposit Products - (eg term deposits, savigs accouts) Govermet Debetures - (eg stocks ad bods) Life Isurace - (eg icome protectio, trauma ad life cover) Superauatio - (eg rollovers, allocated pesios ad auities) Retiremet Savigs Accouts If you have ay further questios about obtaiig persoal fiacial advice, or the fiacial products Fiacial Wisdom is able to offer you, please cotact your Adviser. Your Adviser's details are listed i sectio 3. Please retai this FSG for your referece ad ay future dealigs with Fiacial Wisdom. 6

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