Adviser Profile. Our Advisers. John Lubberink Sub Authorised Representative Number:

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1 This Adviser forms part of the Financial Services Guide and provides you with additional information about Citadel Wealth Solutions Pty Ltd which is a Corporate Authorised Representative of Professional Investment Services Pty Ltd (PIS). Citadel Wealth Solutions Pty Ltd ABN: Corporate Authorised Representative No Professional Investment Services Pty Ltd ABN AFSL Our Address Postal: PO Box 501, Kew East, Victoria 3102 Visiting: Level 1/Suite 5, 700 High Street, Kew East, Victoria 3102, Australia Contacting Us By Phone: By Fax: Our Advisers John Lubberink Sub Authorised Representative Number: officeadmin@citadelwealth.com.au Maggie Tagg Sub Authorised Representative Number: maggie@citadelwealth.com.au

2 John Lubberink Sub Authorised Representative Number: Education Bachelor of Science in Education Diploma of Financial Planning Certificate IV in Business Memberships FPA Member CFP Member SPAA Member Experience Has been working as an adviser in the Financial Planning and Insurance Broking industry since Areas of Authorisation John Lubberink is authorised by PIS to provide financial product advice and deal in the following areas: Financial Services Product Types Is your adviser authorised to provide this advice? Investments Basic Deposit Products Superannuation & Retirement Planning Managed Investments Debentures Investment Bonds Direct Shares Margin Lending / Gearing Self Managed Superannuation Funds Annuities Corporate Superannuation Personal Superannuation Employer Sponsored Superannuation Account Based Pensions Retirement Savings Accounts Risk Insurance Insurance within Superannuation Total and Permanent Disability Insurance Income Protection Insurance Trauma Insurance Life/Term Insurance Key Man Insurance Business Expense Insurance

3 Maggie Tagg Sub Authorised Representative Number: Education Advanced Diploma Financial Services (Financial Planning) Diploma of Financial Services (Financial Planning) Memberships FPA member SPAA member Experience Has been working in the Financial Services industry since 1986 and specialsing in Financial Planning since Areas of Authorisation Maggie Tagg is authorised by PIS to provide financial product advice and deal in the following areas: Financial Services Product Types Is your adviser authorised to provide this advice? Investments Basic Deposit Products Managed Investments Debentures Investment Bonds Direct Shares Margin Lending / Gearing Superannuation Self Managed Superannuation Funds & Retirement Annuities Planning Corporate Superannuation Personal Superannuation Employer Sponsored Superannuation Account Based Pensions Retirement Savings Accounts Risk Insurance Insurance within Superannuation Total and Permanent Disability Insurance Income Protection Insurance Trauma Insurance Life/Term Insurance Key Man Insurance Business Expense Insurance

4 Fee Schedule Initial Consultation To be conducted at our cost. Valued at $500. Advice Planning Fee Determination of strategy. Preparation and presentation of Statement of Advice document. Liaison with Accountants and Lawyers where necessary. Basic $2,500 Standard $3,500 Complex $5,000 Advice Implementation Fee Lodgement of applications including telephone appointment for lodgement of insurance applications. Liaison with Providers, Accountants and Lawyers where necessary. Basic $500 Standard $1,000 Complex $1,500 Ongoing Advice & Service Fee An ongoing Advice & Service Fee of 1.1% is charged on all Funds Under Management. Depending on the level of funds across your entire portfolio including any Personal Insurance Policies you hold, this will place you in one of the service tiers as listed below. Entry Core Premium $500 $2,499 pa $2,500 - $4,499 pa > $4,500 pa Hourly charge out rate Depending on the need and expertise required there are two levels of charge out rate. Adviser Services Administration Services $150 - $350 per hour $40 - $70 per hour

5 Salary John Lubberink and Maggie Tagg: receive a salary as employees of Citadel Wealth Solutions Pty Ltd receive a share of profit of Citadel Wealth Solutions Pty Ltd may also receive a performance bonus based on the amount of funds invested by their clients and the fees they generate for Citadel Wealth Solutions Pty Ltd Benefits, Incentives, Interests or Associations John Lubberink owns shares in: Centrepoint Alliance Ltd; Neither Citadel Wealth Solutions Pty Ltd nor any of its advisers: Hold no shareholding in any other company that could be capable or might reasonably be seen to be capable of influencing me in the provision of advice. Currently, Citadel Wealth Solutions Pty Ltd: Does not receive any soft dollar benefits from and have no material interest in or associations with any issuers of financial products that may be capable or might reasonably be expected to be capable of influencing my advice. Other Disclosures We may receive a share of profits by making recommendations for the Professional Protection Plan. Citadel Wealth Solutions Pty Ltd may receive sponsorship and non-cash benefits in relation to certain financial products.

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7 Acknowledgement I/We acknowledge that Citadel Wealth Solutions Pty Ltd has provided me/us with the Financial Services Guide Version 10 (23 April 2012) and Citadel s Adviser. Client Name Client Name Signature Signature Date Date