Money Market Service Fixed Interest Securities Trading and Custody Service

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Money Market Service Fixed Interest Securities Trading and Custody Service"

Transcription

1 Money Market Service Fixed Interest Securities Trading and Custody Service Supplementary Application & Terms and Conditions Macquarie Private Wealth A world of opportunities Produced by Macquarie Equities Limited ABN Australian Financial Services License No Participant of the Australian Securities Exchange Group Date of issue: July 2010

2 Contents 1 Introductory information 2 Money Market Service Fixed Interest Securities Trading and Custody Service Terms and Conditions 9 Money Market Service Fixed Interest Securities Trading and Custody Service Application Form Inserts: Cash Management Account Product Information Disclosure 2 Macquarie Private Wealth s services are provided by Macquarie Equities Limited ABN (MEL). Participant of Australian Securities Exchange Group, AFSL No , 1 Shelley Street, Sydney NSW This information has been prepared by MEL and contains general advice which does not take account of your objectives, financial situation or needs. You should therefore consider the appropriateness of the advice having regard to your situation before making an investment decision. We recommend you obtain financial, legal and taxation advice before making any financial investment decision. MEL is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth) and its obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MEL, unless expressly noted otherwise.

3 Introductory information The Money Market Service is committed to providing clients with a choice of cash solutions. The Money Market Service Fixed Interest Securities Trading and Custody Service offers clients the ability to create a new income stream with a range of fixed interest solutions to suit investors of all risk profiles. What are fixed interest securities? A fixed interest security is a debt security. When you buy or subscribe for a fixed interest security, you are in effect lending money to an entity, known as the issuer. In return for the loan you provide, the issuer usually pays you a specified rate of interest (a coupon) during the lifetime of the fixed interest security, and will repay the face value of the fixed interest security (the principal) to you at a predefined time (maturity date). Fixed interest securities are issued by Governments, banks, building societies, credit unions and corporations and may take the form of bank bills, Government & semi- Government bonds and corporate bonds. How do they differ from shares? When you buy a fixed interest security you are, in effect, loaning money to the issuer. However, when you buy shares, you are becoming a part owner of the enterprise. With fixed interest securities, you have no claim on the enterprise. However, if the enterprise goes into liquidation, owners of fixed interest securities are usually paid before shareholders. What is required to apply for the Fixed Interest Trading and Custody service? A Macquarie Private Wealth Money Market Service account; A Macquarie Cash Account linked to your Fixed Interest Trading and Custody Service; and You need to be a wholesale investor and have minimum $ (per transaction) to invest. How to invest The application form will guide you through the questions that are applicable to you. You can apply for the Fixed Interest Trading and Custody Service by completing, signing and returning the Application Form attached to the Terms and Conditions (the Application Form) to your Adviser or to Macquarie Equities Limited. Ensure a sufficient account balance is available in your linked Macquarie Cash Account to cover the settlement costs in relation to any new investment on your Fixed Interest Trading and Custody Service The ideal settlement and cashflow management account The Macquarie Cash Management Account (CMA) offers an efficient way to facilitate your investments. It is the ideal settlement account for your investment portfolio and is an efficient way to keep track of your investment transactions, dividends and any other income. By consolidating your cash into one central cashflow management system, you and your adviser have a complete view of your cash position making it simple to take up new investment opportunities while earning a competitive return on your cash. Using the Macquarie CMA you can: automate settlement of your investment transactions; directly credit coupons to your cash account; monitor your account online; keep track of available funds; and easily access your investment cash. To open a Macquarie CMA, please read the CMA Product Information Statement (PIS) enclosed in this Application Book and complete Section 3 of the Application Form. 1

4 Money Market Service Fixed Interest Securities Trading and Custody Service Terms and Conditions 2 Interpretation These Terms and Conditions are supplementary to and form part of the Terms and Conditions between the client and Macquarie Equities Limited (MEL) as contained in the Macquarie Money Market Service Terms and Conditions. For the avoidance of doubt, this Fixed Interest Service is a Service as defined in, and for the purposes of the Macquarie Money Market Service Terms and Conditions. In the event of any conflict between the respective terms and conditions, then these Terms and Conditions will prevail for the purposes of this Fixed Interest Service. 1. Definitions 1.1 Authorised Representative means the person or persons that you have authorised to provide MEL with instructions on your behalf under this Fixed Interest Service as set out in the Application Form; 1.2 Custodian means MEL or any other party appointed by MEL to carry on such functions; 1.3 Documents means any documents evidencing your title to the Securities; 1.4 Fixed Interest Service means the Macquarie Money Market Service Fixed Interest Securities Trading and Custody Service governed by these Terms and Conditions; 1.5 GST means goods and services tax or any similar tax payable pursuant to goods and services tax legislation enacted by the Commonwealth (or any State or Territory) Government and includes any interest, fine or penalty payable under such legislation; 1.6 Macquarie Cash Account means your Nominated Bank Account for the purpose of this Fixed Interest Service and must be a Macquarie Cash Management Account, whether new or existing, held or established in your name as set out in the Fixed Interest Service Application Form which is linked to and used as a settlement account for the purposes of this Fixed Interest Service; 1.7 MEL means Macquarie Equities Limited (ABN ) of 1 Shelley Street, Sydney NSW 2000; 1.8 Securities means fixed interest securities including Government and semi-government bonds, corporate debt, subordinated debt, unsecured notes, floating rate notes, negotiable certificates of deposit and any other fixed interest securities as determined by MEL from time to time; 1.9 TFN means Tax File Number; and 1.10 You, you or your means the person or entity recorded as the recipient of the Fixed Interest Service. Terms defined in the Money Market Service Terms and Conditions have the same meaning in these Terms and Conditions unless otherwise defined in these Terms and Conditions. Fixed Interest Securities Trading 2. Rules and regulations 2.1 These Terms and Conditions govern any transactions, financial or otherwise, executed on your Money Market Service account by MEL under this Fixed Interest Service. 2.2 You acknowledge that the minimum value of any transaction under this Fixed Interest Service must be AUD $ (subject to MEL s absolute discretion to accept instructions which are for a value less than AUD $ ). 3. Discretions 3.1 You acknowledge that MEL is not obliged to accept you as a client, nor to provide you with any explanation for refusing your Fixed Interest Service application, where a decision is made to do so. 3.2 You and any Authorised Representative(s) may instruct MEL to deal in Securities on your behalf. MEL may at any time, and at its discretion (which it shall exercise reasonably), decline your instructions or cancel any order or generally prohibit or restrict you from trading in Securities under the Fixed Interest Service. Where reasonable, MEL may refuse to act on your behalf where: a view is taken that the order is likely to: (i) contribute to a breach of the Corporations Act; or (ii) be inappropriate, unethical or likely to negatively impact on MEL s reputation and integrity within the market; you have not provided MEL with authority to debit your Macquarie Cash Account or you have withdrawn such authority;

5 3.2.3 you do not have a Macquarie Cash Account linked to your Fixed Interest Service; or there are insufficient funds in your Macquarie Cash Account or you do not hold sufficient Securities to satisfy your instruction. 3.3 You agree that MEL is not liable for any financial consequence, loss or inconvenience as a result of not acting on your instructions (where such failure to act by MEL was reasonable in the circumstances). 3.4 You agree that MEL is not liable for any financial consequence, loss or inconvenience arising from circumstances where MEL uses its discretion to cancel a transaction or refuses to accept an instruction from you. 4. Your commitment 4.1 You represent to MEL that you are, and at all times during your dealings with MEL will be, in a position to meet all commitments (financial and otherwise) on your part arising out of dealings with MEL or business conducted by MEL on your behalf under this Fixed Interest Service. 5. Settlement obligations 5.1 You agree to pay for purchases and make good delivery in respect of sales to enable MEL to settle by the due settlement date on all dealings in Securities on your behalf. You also agree to pay all applicable brokerage costs as notified by us, taxes (including GST) and other reasonable charges in respect of those purchases and sales. 5.2 You agree that an amount equal to the value of any purchase instruction (and any related brokerage and fees) may be placed on hold in your Macquarie Cash Account (the Unavailable Funds) pending settlement of the purchase of Securities under this Fixed Interest Service. The Unavailable Funds will still appear in your Macquarie Cash Account balance, however you may not be able to access or withdraw the Unavailable Funds. You will continue to earn interest on the Unavailable Funds in your Macquarie Cash Account in accordance with your account terms and conditions until the Unavailable Funds are withdrawn by MEL for settlement of your transaction. 5.3 You acknowledge that MEL will not extend you credit for any reason whatsoever. 5.4 MEL does not accept payment in cash. You must make payments due under these Terms and Conditions via a Macquarie Cash Account. 5.5 If you do not currently hold a Macquarie Cash Account, you agree to apply for a Macquarie Cash Account prior to, or at the same time as applying for this Fixed Interest Service. 5.6 You acknowledge that MEL may not accept your application for this Fixed Interest Service if you do not hold, or agree to open, a Macquarie Cash Account. 5.7 In respect of sale instructions, you acknowledge that MEL, acting as agent, will endeavour to find a buyer for your Security. If no buyer can be found then you acknowledge that you will be unable to exit the position and will have to continue to hold this position. If a buyer can be found it may be at an unfavourable price. 6. Failure to settle 6.1 MEL reserves the right to levy you with additional reasonable charges as notified by us, if you do not have sufficient Securities or funds in your Macquarie Cash Account to satisfy an instruction or if you do not settle by the settlement date. 6.2 Where you fail to make good delivery in respect of sales by the due settlement date, you are liable to MEL for all costs it reasonably incurs as a result of your failure to settle. 6.3 Where you fail to provide payment in full to MEL in respect of purchases by the due settlement date, you are liable to MEL for all costs it reasonably incurs as a result of your failure to settle. 6.4 In the event that you fail to complete a contract or a portion of a contract, MEL may at its discretion, exercised reasonably at any time after the due settlement date: cancel the trade the subject of the contract, to extinguish your settlement obligations at your risk and expense, including GST, brokerage and any funding costs; or sell or purchase sufficient Securities to satisfy your settlement obligations under the contract, at your risk and expense, including GST, brokerage and funding costs. 7. Linked settlement account 7.1 You acknowledge, that you must nominate a Macquarie Cash Account to be your Nominated Bank Account (in the Money Market Service Application Form) for the purposes of this Fixed Interest Service. 3

6 4 7.2 Without limiting the generality of clause 7.3 you authorise MEL to automatically debit funds from your Macquarie Cash Account at any time to satisfy: your settlement obligations pursuant to clause 5 of these Terms and Conditions; and any liability to MEL for losses, costs and expenses incurred by MEL and to pay fees, brokerage, interest and any other additional charges payable pursuant to these Terms and Conditions. 7.3 You authorise MEL to directly credit into and directly debit from your Macquarie Cash Account, all amounts payable to you or payable by you under this Fixed Interest Service. 7.4 You authorise the provider of your Macquarie Cash Account to provide account information in respect of your Macquarie Cash Account to MEL. You agree that MEL will, at all times while you continue to be a client of this Fixed Interest Service, have access to your Macquarie Cash Account for the purposes of obtaining and verifying the available balance and other account information. 7.5 You acknowledge that MEL may decline any purchase request which is for more than the value of the funds available for withdrawal in your Macquarie Cash Account at the time the request is made. 7.6 You authorise MEL and the provider of your Macquarie Cash Account to place on hold and make unavailable in your Macquarie Cash Account an amount equal to the value of any purchase instruction and any associated brokerage and fees, pending settlement of the purchase of Securities under this Fixed Interest Service in accordance with clause The provider of your Macquarie Cash Account has absolute discretion to determine the order of priority of payment of monies under any withdrawal requests. 7.8 You acknowledge that where MEL specifies a future date for a withdrawal from your Macquarie Cash Account, the provider of your Macquarie Cash Account may decline any other redemption request that would leave insufficient funds to cover your trading obligations under this Fixed Interest Service. 7.9 You can cancel the authority in this clause 7 but only after giving MEL at least three business days notice in writing. Cancellation by you will mean that MEL cannot give new withdrawal instructions on your Macquarie Cash Account after the date your notice is effective. However, instructions given by MEL before this date will still be effective and may be actioned by the provider of your Macquarie Cash Account after this time You are liable for any losses, costs and expenses incurred by MEL and the provider of your Macquarie Cash Account as a result of this authority or acting in accordance with any request by MEL or instruction by you in accordance with these Terms and Conditions. However, MEL and/or the provider of your Macquarie Cash Account will remain liable for any loss or liability because of its/their own neglect or default. 8. Assigned right 8.1 Your rights under these Terms and Conditions are incapable of being assigned (whether at law, in equity or otherwise) or made the subject of any encumbrance, trust or fiduciary obligation without the prior written consent of MEL, which consent may be withheld by MEL acting reasonably. Any action which purports to do any of these things without MEL s prior written consent is void. 8.2 Where such assignment does not prejudice your rights under these Terms and Conditions, MEL may assign or otherwise deal with its rights under these Terms and Conditions without your consent for legitimate business purposes including business reconstruction, amalgamation, sale or securitisation. 8.3 Where such assignment may prejudice your rights under these Terms and Conditions, MEL may assign or otherwise deal with its rights under these Terms and Conditions by providing you with at least 10 business days written notice. 8.4 You agree that MEL may disclose to any person taking a transfer or assignment, or considering taking a transfer or assignment, any relevant personal or other information or documents that person or entity reasonably requires. 9. Security 9.1 You represent that you will not instruct any unauthorised person to issue instructions on your behalf under this Fixed Interest Service. 9.2 You acknowledge you will be liable for any order placed with MEL by you or on your behalf. 9.3 You agree that if you become aware of any unauthorised instructions on your account under this Fixed Interest Service, you will contact MEL or your adviser as a matter of urgency. 9.4 You agree that we are not liable to you where: we reasonably act on instructions later to be determined to be unauthorised; and you have unreasonably delayed in informing us of unauthorised activity on your account. MEL will remain liable for any loss or liability arising from MEL s own neglect or default.

7 10. Trading procedures 10.1 You undertake to provide MEL with all information requested of you at the time of placing an order to deal in Securities on your behalf MEL will confirm the execution of an order on your account by hard copy confirmation and/or an electronic confirmation, which will be despatched at the end of the day on which the transaction was executed You agree to promptly provide MEL with current contact details including an address, where applicable, during your dealings with MEL and to promptly update this information when it changes Upon receipt of the confirmation, if you believe that the confirmation does not accurately reflect the transaction you entered into, you must inform your adviser or MEL as soon as practicably possible MEL may, at any time, reissue a confirmation in order to correct any errors or omissions, and after the necessary changes have been made, these Terms and Conditions will apply and will be binding with respect to the reissued confirmation You acknowledge that MEL may match your orders under this Fixed Interest Service with orders of other clients of MEL and that in such a case, MEL may receive brokerage from both parties to the transaction You acknowledge that MEL will use reasonable endeavours to effect instructions to amend or cancel an order as quickly as possible. However you acknowledge that there may be delays in processing such an amendment or cancellation and as such, an order may be wholly or partly filled before an instruction for its amendment or cancellation is processed and you will be liable to settle the partially or completely filled order You acknowledge that MEL may only be able to partially fill an order and that you are responsible for that transaction regardless of whether or not the remainder of the order is filled MEL will use its reasonable endeavours to complete partially filled orders. You may be charged brokerage on each transaction as it is completed You acknowledge and accept that in circumstances where an order is partially filled over more than one day, you will be issued a confirmation at the end of each day which relates to the transaction(s) executed over the course of that day. 11. Trading limits 11.1 You acknowledge that, where reasonable, MEL may delay accepting or may seek authorisation from its management prior to accepting or executing any instruction from you, and, in those circumstances, we are not liable to you for resulting costs, losses or expenses provided that we have acted reasonably. 12. MEL to act as agent 12.1 Subject to these Terms and Conditions, MEL will act as agent for you for the following purposes: to accept Documents deposited with MEL on your behalf; to hold Documents; to register Securities transferred to you in MEL s name or in the name of a nominee of MEL, subject to these Terms and Conditions, as bare trustee and custodian for and on your behalf; to deal with the Documents and the Securities and any derivatives of either of them as instructed by you; to receive, collect, hold and disburse, subject to these Terms and Conditions, as bare trustee for and on your behalf, all entitlements and payments (of any nature whatsoever) in respect of the Securities, and to take any action which MEL reasonably considers to be necessary in connection with the receipt of such entitlements and payments; and to do such other things as MEL reasonably considers necessary in order to give effect to these Terms and Conditions. 13. MEL S responsibilities and rights as custodian 13.1 In exercising its powers as set out in these Terms and Conditions, MEL in its capacity as custodian will: exercise due care in respect of custody of the Documents; not be obliged to supervise your investments generally or advise on them; not be liable for any damage, loss, cost or expense arising from an act or omission of any other person (not being an employee of MEL) or corporation, or from any electronic or mechanical fault beyond MEL s control or for any act or omission arising from (or notwithstanding) compliance by MEL with any law or customary market practices; and 5

8 not be liable to you for earnings foregone on monies held for you by MEL. 14. Restriction on exercise of rights 14.1 Notwithstanding the fact that legal title to the Securities is held by MEL, subject to these Terms and Conditions, any rights which attach to the ownership of those Securities may only be exercised by MEL upon and in accordance with your direction (beneficial title is retained by you). 15. Sub-custodians, agents and nominees 15.1 MEL may appoint and remove sub-custodians, agents or nominees to carry out such custodian services as MEL may, from time to time, direct MEL accepts the same level of responsibility for the sub-custodians, agents or nominees as for MEL s own acts. 16. Dealing with securities 16.1 MEL will, at your request, provide you with reports of transactions involving the Documents, the Securities and your money. Such reports shall be forwarded to you by mail unless another means of transmission is agreed between you and MEL Any instructions given to MEL by you in connection with these Terms and Conditions must be given by you or an Authorised Representative You acknowledge that MEL may reveal details of the Securities or information regarding the acquisition of Securities by you to the Australian Securities and Investment Commission, the Australian Securities Exchange Limited (ASX), the Australian Transaction Reports and Analysis Centre (AUSTRAC) or any other governmental agency or regulatory authority in Australia or any person entitled to such details or information by virtue of an order or direction of any court or to any other person legally entitled. 17. Expenses and charges 17.1 In respect of purchases of Securities, you will be charged (and your Macquarie Cash Account will be debited for) brokerage and relevant fees at the time that MEL debits your Macquarie Cash Account for the amount of the Securities purchased. In respect of sales of Securities, you will be charged brokerage and relevant fees, which will be debited by MEL from the proceeds of the sale of the Securities before MEL deposits the proceeds of the sale into your Macquarie Cash Account You acknowledge that the amounts of any brokerage or fees in respect of this Fixed Interest Service are agreed between you and MEL at the time you give MEL an instruction to buy or sell of Securities under this Fixed Interest Service You will be liable for all taxes, duties, fines and imposts (arising other than as a result of MEL s negligence or default) of any nature whatsoever incurred in connection with the transactions contemplated by these Terms and Conditions and which are chargeable against MEL or a third party engaged by it in accordance with these Terms and Conditions excluding tax on MEL s or its agents general income or profits. You will pay such amounts to MEL upon request You are liable to MEL and its agents for any loss, costs, expenses or damage they suffer as a consequence of your breach of these Terms and Conditions. MEL will remain liable for any costs, losses or expenses incurred as a result of MEL s own neglect or default You agree to pay to MEL such reasonable fees and charges as MEL may, from time to time, determine and notify to you, in consideration of the performance by MEL of its obligations under these Terms and Conditions including without limitation, any reasonable fees and charges in respect of transferring Securities, registered in the name of another custodian which are held on your behalf, to MEL so that the Securities are registered in MEL s name as custodian on your behalf. Acknowledgement of Risks 18.1 You acknowledge that trading under this Fixed Interest Service is subject to risks which include, but may not be limited to the following risks and you agree to accept these risks and any other risks (and any associated losses) which may arise as a result of trading under this Fixed Interest Service: Market Risk When you invest in Securities, the market value of your investment may decrease Interest rate risk Interest rate movements may affect the price of a Security and there is a risk that if interest rates increase, the price of a Security may decrease Default risk It is possible that the issuer of a Security may not be able to keep up interest payments or repay the capital sum of the Security at maturity. 6

9 Liquidity Risk If you wish to sell your Security, there is a risk that MEL will not be able to find a buyer of your Security. If no buyer can be found, you may be unable to exit the position and may have to continue to hold this position. If a buyer can be found, it may be at an unfavourable price Credit Rating One or more independent credit rating agencies may assign credit ratings to Securities. The rating(s) may not reflect the potential impact of all risks related to structure, market and other factors that may impact the value of the Security. A credit rating is not a recommendation to buy, sell or hold securities and may be subject to suspension, cancellation, reduction or withdrawal at any time by the assigning rating agency. Each rating should be evaluated independently of any other rating Counterparty Risk If you make an agreement to purchase or sell Securities prior to their maturity, there is a risk that the counterparty who agrees to purchase or sell the Securities will default by failing to partly or fully settle the transaction which means that you may not be able to purchase some or all of the Securities or exit your position (either partly or completely) at the agreed price You agree that MEL is not liable for any financial consequence, loss or inconvenience arising from, or in any way connected with, any of the risks referred to in clause 18.1 actually eventuating. General 19. Notices 19.1 Every notice or other communication of any nature whatsoever required to be given, served or made under or arising from these Terms and Conditions: must be executed by the party or on behalf of the party giving, serving or making the same by an attorney, Authorised Representative, director or secretary of that party; will, provided that it is addressed or sent to the address or number as directed by or notified to your adviser or MEL, be deemed to be given, served or made: (i) in the case of a posted letter, on the third (seventh, if posted to or from a place outside Australia) day after posting; (ii) in the case of a facsimile, on the business day following receipt of a transmission report confirming successful receipt at the conclusion of the transmission; (iii) in the case of delivery by hand, on delivery, provided that if any notice is given, served or made outside of normal business house it will not be deemed to be given, served or made until the commencement of business on the next business day; and (iv) in the case of , on the business day that it was sent, to be evidenced by a hard copy of the electronic mail bearing the date and time that it was sent and the electronic mail address of the recipient being the address as advised from time to time by a party to the other party. 20. Facsimile instructions 20.1 You acknowledge that MEL is not obliged to accept any instructions sent to it under this Fixed Interest Service by facsimile. 21. Authorised Representative 21.1 You may request MEL, by completing the Authorised Representative part of the Application Form, to allow another person or persons to provide MEL with instructions on your behalf under this Fixed Interest Service. The Authorised Representative will need to provide proof of identification documents These Terms and Conditions apply to the Authorised Representative in the same way that they apply to you. You must ensure that the Authorised Representative has read these Terms and Conditions and complies with them. You are liable for any breaches of these Terms and Conditions by an Authorised Representative MEL cannot accept amendments to your account Authorised Representative details from an Authorised Representative Subject to these Terms and Conditions, MEL may act on electronic or verbal instructions which purport to be from an Authorised Representative The authority of the Authorised Representative can only be revoked by notifying MEL in writing. MEL may cancel the authority of the Authorised Representative at any time if MEL receives written notice of the death, bankruptcy, or mental illness of either you or the Authorised Representative. 7

10 21.6 You consent to MEL giving the Authorised Representative information about your account under this Fixed Interest Service and your Macquarie Cash Account When the Authorised Representative instructs MEL to carry out an action, or conduct a transaction, MEL will act on the instructions of that person. MEL is not required to make any inquiries in relation to any instructions received from the Authorised Representative in relation to the operation of your account under this Fixed Interest Service. MEL is not liable for any loss or damage caused to you by the Authorised Representative providing MEL with instructions on your behalf, or otherwise acting on your behalf under this Fixed Interest Service. 22. Variation 22.1 MEL may vary these Terms and Conditions by giving you notice of the variation in the following manner: (a) (b) (c) where the variation would cause you detriment, by giving you at least 21 days written notice; where the variation would not cause you detriment, by giving you at least 14 days notice, such notice to be given by: (i) posting notice of the changes on our website ( (ii) any other form of written notice; and subject to 22.1(a), where the variation is required in order to: (i) meet regulatory requirements; (ii) reflect new industry guidance and codes of practice which in our reasonable opinion are likely to raise standards of consumer protection (whether mandatory or voluntary); or (iii) comply with any legal requirement, or any decision, code, recommendation, guidance or standard of any regulatory authority, court or tribunal; by giving you at least 14 days notice (where reasonably possible), such notice to be given by: (i) posting notice of the changes on our website; or (ii) any other form of written notice; but where this is not reasonably possible (for example if regulatory requirements necessitate that changes be implemented immediately) we will provide as much notice as possible, but you acknowledge that we may not be able to provide any notice or only less than 14 days notice in such circumstances. Hard copy versions of the revised Terms and Conditions will be sent to you on request. If, following a variation to these Terms and Conditions, you no longer wish to maintain your account with MEL, you may terminate your account with us. We will not charge you any exit or termination fees, in connection with the termination of your Trading Account and these Terms and Conditions but you will be required to satisfy any current obligations or dealings prior to the termination becoming effective. Following termination of the Service, you will be responsible for the management and administration of the investments you have obtained through the service including any fees or expenses incurred from transferring the investments into your (or a replacement broker s control). 23. Waiver and severance 23.1 No waiver of, or any consent to any departure by you or MEL from, a provision of these Terms and Conditions is of any force or effect unless it is confirmed in writing signed by or on behalf of the party granting the waiver or consent and then that waiver or consent is effective only to the extent to which it is made or given If any provision of these Terms and Conditions is invalid and not enforceable in accordance with its terms, other provisions which are self-sustaining and capable of separate enforcement without regard to the invalid provision are and continue to be valid and enforceable in accordance with their terms. 24. Governing law and jurisdiction 24.1 These Terms and Conditions are governed by, and are to be construed in accordance with, the laws of New South Wales and you and MEL submit to the non-exclusive jurisdiction of the Courts of New South Wales and any Court hearing appeals from those Courts. 8

11 Money Market Service Fixed Interest Securities Trading and Custody Service Supplementary Application Form Macquarie Equities Limited AFSL No Please use black ink and mark boxes with an X. On receipt of this signed application form, Macquarie will open your Money Market Service Fixed Interest Securities Trading and Custody Service Account replicating the account details on your Macquarie Money Market Service account. These details include (where applicable): account name mailing address phone number(s) account holder name(s) statement mailing address fax number(s) date of birth duplicate statement address residential/business address address(es) 1. What is your existing Money Market Service account number and MAC? The Fixed Interest Service must be established in the same name as your Money Market Service account with MEL. Account Number MAC code 2. Complete your CMA account details or to apply for a new Macquarie CMA refer to Section 3 All Fixed Interest Securities Trading and Custody Service accounts must be linked to a Macquarie Cash Management Account (CMA) for settlement purposes. If you have an existing Macquarie CMA, please provide your account details below including BSB and account number and proceed to section 4. Branch number BSB Account number 3. New Macquarie Cash Management Account (CMA) details Please cross this box to confirm that you wish to apply for a Macquarie Cash Management Account (CMA) with Macquarie Bank Limited (MBL) and have received and agree to the terms in the Macquarie CMA Product Information Statement which may be found in the back of this Application Booklet. What is the purpose of this investment? (Required under the AML/CTF Act 2006) Savings Growth Other, please specify below Retirement Business account Income Your CMA income will be reinvested in your Macquarie CMA. Cheque Book If you would like a cheque book with your Macquarie CMA, please contact us on Account operating instruction for Macquarie CMA: Joint accounts if you do not cross a box we will assume Either to sign. Either to sign Both to sign together Company, Incorporated Association or Body accounts Either/any to sign (e.g. two directors or a director and secretary), or as required by the constitution or rules of the company or body (e.g. under seal witnessed by two officers), or signed by one director for a single director company. If you do not cross a box or specify instructions on the separate Third Party Authority Form, all future written instructions must be executed in the same way as this application. Anyone of us to sign All of us to sign Other If you choose Other and/or you would like to appoint an authorised signatory for your Macquarie CMA, please complete the Third Party Authority Form in the back of the Macquarie CMA Product Information Statement. 9

12 4. Authorised Representative on Fixed Interest Trading and Custody Service Account Would you like to appoint an Authorised Representative for your Fixed Interest Trading and Custody Service Account who has authority to act on your account in all matters as if they were you (excluding any instructions to alter your personal information)? Yes No If yes, please complete details below. If no, proceed to section 6. Title Mr Mrs Ms Miss Dr Other First name Middle name Surname Any other name you are known by (if applicable) Residential address (this cannot be a PO Box) Street number and name Suburb State Postcode Country Mailing address (please complete if different to residential address) Street number and name Suburb State Postcode Country Work phone number Home phone number Mobile phone number address Fax number Driver s licence number Expiry date Date of birth D D / M M / Y Y Y Y D D / M M / Y Y Y Y Passport number Expiry date Country of issue D D / M M / Y Y Y Y Occupation Gender Male Female Signature of Authorised Representative Do you wish to give your Authorised Representative access to online services for this account? If yes, please provide their MAC here Yes No If yes, does your Authorised Representative have a Macquarie Access Code (MAC)? Yes No Would you like your Authorised Representative to receive copies of trade confirmations for this account via ? Yes No IIf yes, please ensure you have provided an address above. Important note: the Authorised Representative must provide proof of identification. 5. Wholesale Clients Please confirm that this account is required for a wholesale investor by attaching a copy of your wholesale client certificate. Please cross this box to confirm you have attached a wholesale certificate. 10

13 6. Applicant Declaration We recommend that before signing this application you read and understand: the Macquarie Money Market Service Terms and Conditions and the Macquarie Fixed Interest Securities Trading and Custody Service Terms and Conditions; and where you have requested a new Macquarie Cash Management Account, the Macquarie Cash Management Account Product Information Statement. By signing this application you declare that you are agreeing to the terms of the Money Market Service terms and conditions, Macquarie Fixed Interest Securities Trading and Custody Service terms and conditions and where applicable, the Macquarie Cash Management Account Product Information Statement. By signing this Application, I/we: a) represent and warrant that all information given by me/us in this application form, together with any statements made, are true and correct; b) authorise Macquarie Equities Limited (MEL) to complete, upon my/our instruction, any blanks and make any amendments or additions with respect to this application form on my/our behalf; c) agree that if I/we do not provide MEL with any information or documentation requested of me, my/our application may be delayed or rejected and I/we agree that MEL will not be liable for any loss associated with such delay or rejection of my/our application (except loss or liability caused by MEL s own negligence or default); d) agree that MEL and/or Macquarie Bank Limited (MBL) may require further information from me from time to time in order to meet their legal and regulatory obligations and I/we agree to provide MEL and MBL with whatever additional information is reasonably required in order for them to meet such obligations; e) consent to the collection, use and disclosure of my/our personal information as set out in the Macquarie Money Market Service Terms and Conditions; f) acknowledge that MEL cannot and does not guarantee the performance or financial return on any investment made by me/us and I/we am/are unable to claim losses against MEL relating to the performance or financial return on any investment; and g) acknowledge that MEL is not an authorised deposit taking institutions for the purposes of the Banking Act 1959 (Cth). I/we acknowledge that MEL s obligations do not represent deposits or other liabilities of Macquarie Bank Limited (MBL) and that MBL does not guarantee or otherwise provide assurance in respect of the obligations of MEL. Signature Signature Date Date D D / M M / Y Y Y Y D D / M M / Y Y Y Y Print name Print name If a company officer or trustee, specify your corporate title If a company officer or trustee, specify your corporate title Director Secretary Sole Director or Sole Secretary Director Secretary Sole Director or Sole Secretary Other Other 11

14 12 This page has been left intentionally blank

15 This page has been left intentionally blank 13

16 For more information about the Macquarie Private Wealth Money Market Service BKL /10

Investment Account. Application Form. Page 1 / 15. Escala Investment Account Application Form

Investment Account. Application Form. Page 1 / 15. Escala Investment Account Application Form Investment Account Application Form Page 1 / 15 Escala Investment Account Application Form Responsible Entity: Powerwrap Limited (Australian Financial Services Licence No. 329829 ARSN 137 053 073) Please

More information

Stockbroking. INDIVIDUAL/JOINT ACCOUNT application form. Please only use this form to open a trading account: in your name, or in joint names

Stockbroking. INDIVIDUAL/JOINT ACCOUNT application form. Please only use this form to open a trading account: in your name, or in joint names Stockbroking INDIVIDUAL/JOINT ACCOUNT application form Please only use this form to open a trading account: in your name, or in joint names In order to process your application we will need: your completed

More information

Bentham Asset Management Application Form. Customer identification. Contact details. Checklist. Use this application form if you wish to invest in:

Bentham Asset Management Application Form. Customer identification. Contact details. Checklist. Use this application form if you wish to invest in: Bentham Asset Management Application Form Use this application form if you wish to invest in: Bentham Wholesale Global Income Fund Bentham Wholesale Syndicated Loan Fund Bentham Wholesale High Yield Fund

More information

ANZ Online Multi-Currency Account Application

ANZ Online Multi-Currency Account Application Please use this application form to apply for an Online Multi Currency Account. This account is issued by ANZ Bank New Zealand Limited ( Bank ), and managed by ANZ New Zealand Securities Limited ( ANZ

More information

Online Multi-Currency Account Application

Online Multi-Currency Account Application Online Multi-Currency Account Application Please use this application form to apply for an Online Multi-Currency Account. This account is issued by ANZ Bank New Zealand Limited ( Bank ), and managed by

More information

Withdrawals. 1. Investor details

Withdrawals. 1. Investor details MLC Navigator Investment Plan MLC Navigator Retirement Plan MLC Navigator Access Investment MLC Navigator Access Super and Pension Withdrawals Please tick where appropriate: Account closure (Sections 1,

More information

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions I loved reading the terms & conditions! said no one, ever term deposit terms + conditions index. Part a - general terms and conditions. 2 1 Purpose of this booklet. 2 2 Meaning of words used. 2 3 Opening

More information

Options Activation Pack.

Options Activation Pack. Options Activation Pack. Activating your directshares account for trading Options Before starting to trade options, directshares requires clients to: y Complete and sign a Client Questionnaire to activate

More information

Application Form for Millinium's Wholesale Fixed Income Fund Individual(s) / Sole Trader (Resident/Non Resident)

Application Form for Millinium's Wholesale Fixed Income Fund Individual(s) / Sole Trader (Resident/Non Resident) Before you sign this application form, we wish to give you a Information Memorandum ("IM") which is a summary of important information relating to Millinium's Wholesale Fixed Income Fund ("Fund"). The

More information

MORRISON SECURITIES PTY LIMITED

MORRISON SECURITIES PTY LIMITED Morrison Securities Pty Limited Participant of ASX Group Participant of SFE ABN: 50 00 430 342 AFSL 24737 GPO BOX 5258, SYDNEY NSW 200 Ph: (02) 9033 8383 Fax: (02) 9033 8300 AGREEMENT dated CLIENT AGREEMENT

More information

Options Activation Pack

Options Activation Pack Options Activation Pack Activating your E TRADE Australia account for trading Options Before starting to trade options, E TRADE Australia requires clients to: Complete and sign a Client Questionnaire covering

More information

Macquarie Index Tracking Global Bond Fund Product Disclosure Statement

Macquarie Index Tracking Global Bond Fund Product Disclosure Statement Macquarie Index Tracking Global Bond Fund Investment Management 4 July 206 Macquarie Index Tracking Global Bond Fund Product Disclosure Statement Contents. About Macquarie Investment Management Australia

More information

Air BP Credit Application

Air BP Credit Application Air BP Credit Application If filling in this form manually, please take care as cross outs or white out on the application will not be accepted. Please mail completed Credit Application forms to: Sales

More information

Macquarie Equity Lever online instructions terms and conditions 1 of 1

Macquarie Equity Lever online instructions terms and conditions 1 of 1 Macquarie Equity Lever online instructions terms and conditions 1 of 1 Important notice If you want to make investments under your Macquarie Equity Lever Facility online via GearUp, you need to read, understand,

More information

Share Purchase Plan. Arvida Group Ltd. 6 July 2015

Share Purchase Plan. Arvida Group Ltd. 6 July 2015 Arvida Group Ltd 6 July 2015 Share Purchase Plan This is an important document. You should read the whole document before deciding whether to subscribe for shares. If you have any doubts as to what you

More information

Application to open a Personal Account

Application to open a Personal Account 14-18 Copthall Avenue, London EC2R 7BN Telephone: +44 (0) 20 7920 6100 Facsimile: +44 (0) 20 7638 7642 www.unionbankuk.com Application to open a Personal Account 1 Application for a Current Account PLEASE

More information

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares For your own benefit and protection you should read carefully Cazenove Investment Fund Company s Key Investor Information

More information

ASSET BUY/SELL AGREEMENT DATED. 6 July 2012 BETWEEN. Transport Trucks Pty Ltd AS SELLER AND. JP Investigations Pty Lttd AS BUYER

ASSET BUY/SELL AGREEMENT DATED. 6 July 2012 BETWEEN. Transport Trucks Pty Ltd AS SELLER AND. JP Investigations Pty Lttd AS BUYER ASSET BUY/SELL AGREEMENT DATED 6 July 2012 BETWEEN Transport Trucks Pty Ltd AS SELLER AND JP Investigations Pty Lttd AS BUYER This Agreement (the Agreement ) is entered into between: 1 Transport Trucks

More information

Options Activation Pack.

Options Activation Pack. Options Activation Pack. Activating your E TRADE Australia account for trading Options Before starting to trade options, E TRADE Australia requires clients to: Complete and sign a Client Questionnaire

More information

investment portfolio service

investment portfolio service investment portfolio service overview Cavendish is a specialist administrator of Self Managed Superannuation Funds (SMSFs). Our overriding business objective is to provide our clients the Trustees of the

More information

MyState Wealth Management Investment Account Application Form

MyState Wealth Management Investment Account Application Form MyState Wealth Management Investment Account Application Form Responsible Entity: Powerwrap Limited (ABN 67 129 756 850, Australian Financial Services Licence No. 329829 ARSN 137 053 073) Please complete

More information

TRADING TERMS AND CONDITIONS

TRADING TERMS AND CONDITIONS TRADING TERMS AND CONDITIONS 11 JULY 2014 IMPORTANT NOTICE These terms and conditions must be read in conjunction with our Financial Services Guide (FSG), the Application and, if you are approved for the

More information

Individual Savings Account Supplementary Terms

Individual Savings Account Supplementary Terms Individual Savings Account Supplementary Terms Individual Savings Account Supplementary Terms and Conditions for Stocktrade Retail Clients forming part of the Agreement between Stocktrade (a division of

More information

TERM INVESTMENT ACCOUNT

TERM INVESTMENT ACCOUNT TERM INVESTMENT ACCOUNT For completion by individual(s), parishes or organisations Please complete, detach and forward the Term Investment Account form to: The Anglican Savings and Development Fund PO

More information

CLIENT AGREEMENT FOR CASH SECURITIES TRADING ACCOUNTS

CLIENT AGREEMENT FOR CASH SECURITIES TRADING ACCOUNTS CLIENT AGREEMENT FOR CASH SECURITIES TRADING ACCOUNTS IF YOU ARE IN ANY DOUBT ABOUT THIS DOCUMENT OR ABOUT THE SALE AND PURCHASE OF SECURITIES OR OTHERWISE, YOU SHOULD CONSULT YOUR BANK MANAGER, SOLICITOR,

More information

Macquarie Mortgages Application for Finance

Macquarie Mortgages Application for Finance Macquarie Mortgages Application for Finance New application (stand-alone deal) Variation Principal increase Personal Details Applicant 1 Personal Details Applicant 2 Borrower Guarantor (please tick one

More information

Credit Suisse Tailored Loan and Options Facility Terms and Conditions

Credit Suisse Tailored Loan and Options Facility Terms and Conditions Dated 4 June 2013 Issued by Credit Suisse Investment Services (Australia) Limited (ABN 26 144 592 183 AFSL 370450) Credit Suisse Tailored Loan and Options Facility Terms and Conditions 1. OPTIONS FACILITY...

More information

ECS. form. with Broker CHESS Sponsorship Online Services

ECS. form. with Broker CHESS Sponsorship Online Services ECS Account opening form. with Broker CHESS Sponsorship Online Services Welcome to Bell Potter This Account Opening Form enables you to establish an account with Bell Potter for the purpose of executing,

More information

call options supplementary terms and conditions and application forms

call options supplementary terms and conditions and application forms x multiplying your investments to multiply your returns x multiplying your investments to multiply your returns x multiplying your investments to multiply your returns x multiplying your investments to

More information

Please complete, detach and forward the Cheque Account form to: The Anglican Savings and Development Fund PO Box 817 NEWCASTLE NSW 2300

Please complete, detach and forward the Cheque Account form to: The Anglican Savings and Development Fund PO Box 817 NEWCASTLE NSW 2300 CHEQUE ACCOUNT For completion by Anglican parishes or organisations Please complete, detach and forward the Cheque Account form to: The Anglican Savings and Development Fund PO Box 817 NEWCASTLE NSW 2300

More information

Investment & Transaction Accounts

Investment & Transaction Accounts Bankwest Investment & Transaction Accounts Terms and Conditions 25 May 2015 making banking easier Terms and Conditions These Terms and Conditions apply to all Investment and Transaction Accounts with us

More information

ASB Portfolio Series. Client Agreement

ASB Portfolio Series. Client Agreement ASB Portfolio Series Client Agreement Client Agreement These terms and conditions form an agreement between us, ASB Bank Limited, and you. You agree to be bound by these conditions by applying for, or

More information

ACCOUNT OPENING FORM. CUSTOMER INFORMATION (Please fill in where applicable) Customer Name Registration N BRN: Registration Date

ACCOUNT OPENING FORM. CUSTOMER INFORMATION (Please fill in where applicable) Customer Name Registration N BRN: Registration Date ACCOUNT OPENING FORM Domestic Company Global Business / International Company / Investment Fund Parastatal Body Club / Association Societe / Partnership FOR OFFICE USE ONLY CIF NO. ACCOUNT NUMBER/S CUSTOMER

More information

1 Bendigo Managed Wholesale Fund Application Form

1 Bendigo Managed Wholesale Fund Application Form The responsible entity and issuer of the Fund is Sandhurst Trustees Limited, ABN 16 004 030 737 AFSL 237906, a subsidiary of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL 237879. 1 Bendigo

More information

Please only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names

Please only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names Stockbroking INDIVIDUAL/JOINT ACCOUNT application form Please only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names In order to process your application

More information

Macquarie Online Trading

Macquarie Online Trading Macquarie Online Trading Terms and conditions Provided by Third Party Platform Pty Ltd (ABN 74 121 227 905) AFSL No. 314341 Participant of the ASX Group Macquarie Online Trading is a service provided by

More information

HSBC Personal Loan Contract. Standard Terms And Conditions

HSBC Personal Loan Contract. Standard Terms And Conditions HSBC Personal Loan Contract Standard Terms And Conditions Published December 2015 CONTENTS 1. Your HSBC Personal Loan contract from HSBC 2 2. What we lend and when 2 3. Interest rate (the annual percentage

More information

CLSA ASIA-PACIFIC SECURITIES DEALING SERVICES: AUSTRALIA MARKET ANNEX

CLSA ASIA-PACIFIC SECURITIES DEALING SERVICES: AUSTRALIA MARKET ANNEX CLSA ASIA-PACIFIC SECURITIES DEALING SERVICES: AUSTRALIA MARKET ANNEX IMPORTANT NOTICE CLSA Singapore Pte Ltd (ARBN 125 288 271, a company incorporated in Singapore) is permitted to provide certain financial

More information

Diners Club Corporate Travel System Terms and Conditions

Diners Club Corporate Travel System Terms and Conditions Diners Club Corporate Travel System Terms and Conditions Contents 1 Definitions 4 2 Accepting these Terms and Conditions 7 3 Authorised Users and Authorised Cardholders 7 4 Authorised Travel Agents 7

More information

bell fx foreign exchange agreement. Corporate/Business

bell fx foreign exchange agreement. Corporate/Business bell fx foreign exchange agreement. Corporate/Business corporate/business APPLICATION FORM This Application Form is supplied with the Foreign Exchange Agreement, and forms part of that Agreement. For assistance

More information

DIVIDEND REINVESTMENT PLAN RULES (Comprising Plan Highlights, Frequently Asked Questions and Terms and Conditions)

DIVIDEND REINVESTMENT PLAN RULES (Comprising Plan Highlights, Frequently Asked Questions and Terms and Conditions) DIVIDEND REINVESTMENT PLAN RULES (Comprising Plan Highlights, Frequently Asked Questions and Terms and Conditions) BELLAMY S AUSTRALIA LIMITED ABN 37 124 272 108 19 October 2015 BELLAMY S AUSTRALIA LIMITED

More information

ELECTRONIC TRADING FACILITIES SUPPLEMENTAL TERMS AND CONDITIONS OF TRADING

ELECTRONIC TRADING FACILITIES SUPPLEMENTAL TERMS AND CONDITIONS OF TRADING ELECTRONIC TRADING FACILITIES SUPPLEMENTAL TERMS AND CONDITIONS OF TRADING This Supplemental Terms and Conditions of Trading is supplemental to and forms part of the terms and conditions set out in the

More information

UNIT TRUST INVESTMENT APPLICATION FORM Companies, Close Corporation and other legal entities

UNIT TRUST INVESTMENT APPLICATION FORM Companies, Close Corporation and other legal entities UNIT TRUST INVESTMENT APPLICATION FORM Companies, Close Corporation and other legal entities Namibia Unit Trust Managers Limited Registration Number: 96/308 All sections must be completed in full using

More information

Terms and conditions. BOQ Specialist Transaction and Savings Accounts Overdraft Facility. Dated June 2015

Terms and conditions. BOQ Specialist Transaction and Savings Accounts Overdraft Facility. Dated June 2015 Terms and conditions BOQ Specialist Transaction and Savings Accounts Overdraft Facility Dated June 2015 Contents Terms and Conditions 2 Online Banking Services 2 National Consumer Credit Code 2 Code of

More information

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide Transactional and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide BOQ Specialist Transaction and Savings Accounts (with Overdraft) Combined Product Disclosure Statement

More information

HOMETOWN Financial Planning 1957 Lake Street Roseville, Minnesota 55113

HOMETOWN Financial Planning 1957 Lake Street Roseville, Minnesota 55113 HOMETOWN Financial Planning 1957 Lake Street Roseville, Minnesota 55113 (651) 638-9428 Fax (651) 638-9356 terry@hometownfp.com Terry Warren Nelson, CFP MS Registered Investment Advisor THIS CLIENT AGREEMENT

More information

MORTGAGE BROKER AGREEMENT

MORTGAGE BROKER AGREEMENT MORTGAGE BROKER AGREEMENT This Mortgage Broker Agreement (the "Agreement") is entered into by and between: ST. CLOUD MORTGAGE, a California Corporation (the "Lender"), and (the "Mortgage Broker") as of

More information

PURCHASE ORDER TERMS & CONDITIONS FOR SUPPLY OF GOODS & MATERIALS

PURCHASE ORDER TERMS & CONDITIONS FOR SUPPLY OF GOODS & MATERIALS By accepting this Purchase Order, the Supplier named in the Schedule agrees to supply the Goods and/or Services subject to the conditions set out below. TERMS & CONDITIONS 1. Definitions 1.1 Code means

More information

NAB 100% Investment Loan. Client Application

NAB 100% Investment Loan. Client Application NAB 100% Investment Loan Client Application Risk Disclosure Statement There are risks associated with using a NAB 100% Investment Loan Facility to borrow on the security of investments. You should be aware

More information

Wholesale Australian Property Fund and Australian Property Fund Application form

Wholesale Australian Property Fund and Australian Property Fund Application form Office use only Wholesale Australian Property Fund and Australian Property Fund Application form Issuer and responsible entity: National Mutual Funds Management Ltd ABN 32 006 787 720, AFSL 234652 National

More information

APPLICATION FOR COMMERCIAL TRADING ACCOUNT UNINCORPORATED ENTITY

APPLICATION FOR COMMERCIAL TRADING ACCOUNT UNINCORPORATED ENTITY APPLICATION FOR COMMERCIAL TRADING ACCOUNT UNINCORPORATED ENTITY PART A: BUSINESS DETAILS ARE YOU: a Sole Trader a Partnership A.B.N. FULL TRADING NAME: TRADING ADDRESS: POSTCODE: DELIVERY ADDRESS : BUSINESS

More information

Managed Fund Service. Terms and Conditions

Managed Fund Service. Terms and Conditions Managed Fund Service Terms and Conditions Important Information These are the Terms and Conditions for your Balkerne Asset Management Managed Fund Service. You are advised to read them carefully. The terms

More information

APPENDIX FOR U.S. SECURITIES TRADING

APPENDIX FOR U.S. SECURITIES TRADING APPENDIX FOR U.S. SECURITIES TRADING This Appendix applies in respect of securities trading services in U.S. Securities provided by ICBCIS to the Client. In the event that there is any inconsistency between

More information

Share Purchase Plan (SPP)

Share Purchase Plan (SPP) Macquarie Group Limited (ASX: MQG) MARCH 2015 NOT FOR DISTRIBUTION OR RELEASE IN THE UNITED STATES MACQUARIE GROUP LIMITED ACN122169 279 This is an important document offering eligible shareholders the

More information

DIVIDEND REINVESTMENT PLAN

DIVIDEND REINVESTMENT PLAN DIVIDEND REINVESTMENT PLAN TPG Telecom Limited ABN 46 093 058 069 DRP February 2009 1 Summary of the Rules The TPG Telecom Dividend Reinvestment Plan (DRP or the Plan ) allows shareholders in TPG Telecom

More information

Macquarie Shorting. Product Disclosure Statement 15 JUNE 2015

Macquarie Shorting. Product Disclosure Statement 15 JUNE 2015 Macquarie Shorting Product Disclosure Statement 15 JUNE 2015 Macquarie Bank Limited. ABN 46 008 583 542. Australian Financial Services Licence No. 237502. 1 This PDS This product disclosure statement (

More information

Share Trading Account Application Form Individual & Joint

Share Trading Account Application Form Individual & Joint Westpac Securities Phone 13 13 31 Fax 1300 130 493 Reply Paid 85157 Australia Square NSW 1214 securities@westpac.com.au www.westpac.com.au/onlineinvesting Westpac Securities Limited ABN 39 087 924 221

More information

DOGPATCH CAPITAL WeALTH & InvesTmenT management

DOGPATCH CAPITAL WeALTH & InvesTmenT management DOGPATCH CAPITAL Wealth & Investment Management INVESTMENT ADVISORY AGREEMENT Dogpatch Capital LLC ( Advisor ), an investment Advisor domiciled in the State of California, agrees to act as an investment

More information

Trading Terms and Conditions.

Trading Terms and Conditions. Trading Terms and Conditions. By opening an account with Us through the Intermediary, you agree to the terms contained below. 1. How do I open an account? 1.1 You can apply for a Trading Account with Us

More information

TRUST ACCOUNT (inc SMSF) application form

TRUST ACCOUNT (inc SMSF) application form TRUST ACCOUNT (inc SMSF) application form Please only use this form to open a trading account: as a Trust Account (including Self Managed Super Fund (SMSF)) where the trustees are individual(s) or a company

More information

Client Broker Agreement (Wholesale Broker)

Client Broker Agreement (Wholesale Broker) Client Broker Agreement (Wholesale Broker) Broker Name: and Parmia Pty Limited 1 PO Box 404, Beenleigh QLD 4207 Tel: 07 3387 1900 Fax: 07 3382 0676 Suite 7, Reece House 94 George Street, Beenleigh QLD

More information

Trading Terms and Conditions

Trading Terms and Conditions Trading Terms and Conditions 23 MAY 2016 Important notice These terms and conditions must be read in conjunction with our Financial Service Guide (FSG), the Application and, if you are approved for the

More information

TEXTURA AUSTRALASIA PTY LTD ACN 160 777 088 ( Textura ) CONSTRUCTION PAYMENT MANAGEMENT SYSTEM TERMS AND CONDITIONS OF USE

TEXTURA AUSTRALASIA PTY LTD ACN 160 777 088 ( Textura ) CONSTRUCTION PAYMENT MANAGEMENT SYSTEM TERMS AND CONDITIONS OF USE TEXTURA AUSTRALASIA PTY LTD ACN 160 777 088 ( Textura ) CONSTRUCTION PAYMENT MANAGEMENT SYSTEM TERMS AND CONDITIONS OF USE Welcome to the Textura Construction Payment Management ( CPM ) System. By clicking

More information

lifeplan Terms and Conditions Retail

lifeplan Terms and Conditions Retail lifeplan Terms and Conditions Retail Risks I/We acknowledge and agree that the lifeplan is an investment and, as such, any monies invested may increase or decrease in value, and further understand and

More information

VENTURA MANAGED ACCOUNT PORTFOLIOS Product Disclosure Statement

VENTURA MANAGED ACCOUNT PORTFOLIOS Product Disclosure Statement VENTURA MANAGED ACCOUNT PORTFOLIOS Product Disclosure Statement Ventura Managed Account Portfolios ARSN 601 085 410 Responsible Entity: Ventura Investment Management Limited ABN 49 092 375 258 Australian

More information

SUNCORP GROUP LIMITED

SUNCORP GROUP LIMITED SUNCORP GROUP LIMITED ABN 66 145 290 124 EXEMPT EMPLOYEE SHARE PLAN TRUST DEED 5709273/1 TABLE OF CONTENTS 1. PURPOSE... 1 2. DEFINITIONS... 1 3. OPERATION OF THE PLAN... 4 4. HOW THE PLAN WORKS... 4 5.

More information

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited Super Accelerator Supplementary Product Disclosure Statement 2 April 2015 Issuer/trustee details: netwealth Investments Limited Level 8/52 Collins Street MELBOURNE VIC 3000 ABN 85 090 569 109 AFSL 230975

More information

FIRST CAPITAL POOLED INVESTMENT TRUST FUND

FIRST CAPITAL POOLED INVESTMENT TRUST FUND No: FIRST CAPITAL POOLED INVESTMENT TRUST FUND APPLICATION FORM 5 Beethoven & Strauss Street Windhoek West P.O Box 4461 Windhoek, Namibia Tel: +264 61 401326 Fax: +264 61 401353 www.firstcapitalnam.com

More information

Withdrawal Form 1 July 2015

Withdrawal Form 1 July 2015 Withdrawal Form 1 July 2015 OnePath Life Limited ABN 33 009 657 176 AFSL 238 341 242 Pitt Street, Sydney NSW 2000 Customer Services Phone 133 665 Email customer@onepath.com.au Website onepath.com.au Instructions

More information

Professional Indemnity Proposal Form. for. Financial Planners

Professional Indemnity Proposal Form. for. Financial Planners Professional Indemnity Proposal Form for Financial Planners Address: 5/3352 Pacific Highway Postal: PO Box 976 Springwood QLD 4127 Springwood QLD 4127 Phone: 07 3387 2800 Fax: 07 3208 2200 Email: pidirect@pidirect.com.au

More information

CMC Markets Cash Account

CMC Markets Cash Account bankwest.com.au CMC Markets Cash Account The CMC Markets Cash Account (Cash Account) is a deposit product of Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit

More information

Bendigo Business Credit Card.

Bendigo Business Credit Card. Bendigo Business Credit Card. Terms and Conditions. 13 May 2015. Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone (03) 5485 7911 ABN 11 068 049 178. AFSL/Australian Credit

More information

QUICK GUIDE TO ISAs 2014/2015

QUICK GUIDE TO ISAs 2014/2015 INDIVIDUAL SAVINGS ACCOUNTS 2014/2015 An Individual Savings Account (ISA) is not an investment in its own right rather it is a type of account that can be used to undertake tax-advantageous investment.

More information

ONLINE SAVINGS ACCOUNT.

ONLINE SAVINGS ACCOUNT. ONLINE SAVINGS ACCOUNT. TERMS AND CONDITIONS. THE FINE PRINT. All the details to keep everyone smiling. ABOUT THIS BOOKLET. Congratulations on choosing an Online Savings Account with ME Bank. We know that

More information

ANZ MONEY MARKET DEPOSIT TERMS AND CONDITIONS

ANZ MONEY MARKET DEPOSIT TERMS AND CONDITIONS ANZ MONEY MARKET DEPOSIT TERMS AND CONDITIONS March 2014 Contents PART A: INTRODUCTION 1. Deposit Products An Overview p.3 2. References to ANZ and You p.6 3. Application of Terms and Conditions p.6 4.

More information

"Nominee" means OCBC Bank Nominees Pte Ltd or any other nominee appointed by the Bank from time to time and its successor in title.

Nominee means OCBC Bank Nominees Pte Ltd or any other nominee appointed by the Bank from time to time and its successor in title. TERMS AND CONDITIONS GOVERNING CPF INVESTMENT ACCOUNT These Terms and Conditions govern the Customer's CPF Investment Account with the Bank and the services which the Bank may extend to the Customer under

More information

NRMA INSURANCE GROUP LIMITED ( NIGL ) (ABN

NRMA INSURANCE GROUP LIMITED ( NIGL ) (ABN TRUST DEED Date: 2000 Parties: NRMA INSURANCE GROUP LIMITED ( NIGL ) (ABN 600 90739) of 388 George Street, Sydney, NSW and [Company A] (ABN) of 388 George Street, Sydney, NSW Recitals: A. NIGL wishes to

More information

BT Classic Investment Funds Additional and Regular Investments Request

BT Classic Investment Funds Additional and Regular Investments Request BT Classic Investment Funds Additional and Regular Investments Request BT Customer Relations 132 135 (8.00am 6.30pm Mon-Fri, Sydney time) The Responsible Entities for the Funds offered through BT Classic

More information

International Payment Service Terms and conditions

International Payment Service Terms and conditions International Payment Service Terms and conditions Welcome to the International Payment Service (the Service) from Capita Registrars Limited (Capita). This document, together with your Application and

More information

MARGIN LOAN. Terms and Conditions. EFFECTIVE DATE 29 August 2014

MARGIN LOAN. Terms and Conditions. EFFECTIVE DATE 29 August 2014 MARGIN LOAN Terms and Conditions EFFECTIVE DATE 29 August 2014 Important information. Margin Lending facilities are provided by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 and administered

More information

APPLICATION TO OPEN A MARGIN TRADING ACCOUNT (PERSONAL)

APPLICATION TO OPEN A MARGIN TRADING ACCOUNT (PERSONAL) APPLICATION TO OPEN A MARGIN TRADING ACCOUNT (PERSONAL) Personal Information 01 Personal Details Surname: Previous address if less than three years (not a PO Box): Forenames: Title (Mr/Mrs/Ms/Other): Date

More information

Walter Scott Global Equity Fund (Hedged) Macquarie Professional Series Product Disclosure Statement

Walter Scott Global Equity Fund (Hedged) Macquarie Professional Series Product Disclosure Statement Investment Management 1 July 2014 Walter Scott Global Equity Fund (Hedged) Walter Scott Global Equity Fund (Hedged) Macquarie Professional Series Product Disclosure Statement This Product Disclosure Statement

More information

ASB Securities - Joint Sharetrading Account Online Registration Additional Form Section 13 and Terms & Conditions

ASB Securities - Joint Sharetrading Account Online Registration Additional Form Section 13 and Terms & Conditions ASB Securities - Joint Sharetrading Account Online Registration Additional Form Section 13 and Terms & Conditions Instructions for use: This form is only for Joint applicants that have completed an online

More information

The Airlie Share Fund Application Form for Individual / Joint Investor / Sole Trader / Individual Trustee

The Airlie Share Fund Application Form for Individual / Joint Investor / Sole Trader / Individual Trustee The Airlie Share Fund Application Form for Individual / Joint Investor / Sole Trader / Individual Trustee This Application Form forms part of the Information Memorandum for The Airlie Share Fund (Fund).

More information

Options and Warrants Trading

Options and Warrants Trading Options and Warrants Trading For more information about Macquarie Full Service Stockbroking 1800 789 789 macquarieprivatewealth.com.au macquarieprivatewealth@macquarie.com Application Booklet Macquarie

More information

Macquarie Mortgages Application for Finance

Macquarie Mortgages Application for Finance Macquarie Mortgages Application for Finance Personal Details Applicant 1 Applicant 2 Borrower Guarantor (please tick one only) Title First name Surname Middle name Date of birth / / Sex F/M Marital Status

More information

Nationality: Passport No: Occupation: Tel No: Fax No: Email: Nationality: Passport No: Occupation: Tel No: Fax No: Email:

Nationality: Passport No: Occupation: Tel No: Fax No: Email: Nationality: Passport No: Occupation: Tel No: Fax No: Email: Foundation Order Form No. 35 Barrack Road, Suite 202, P.O. Box 2391, Belize City, Belize, C.A. 1. Jurisdiction 2. Foundation Name 1. a. Please give three (3) names, in order of preference: b. Purpose of

More information

Professional Indemnity Proposal Form. for. Accountants. Address: 5/3352 Pacific Highway Postal: PO Box 976. Springwood QLD 4127 Springwood QLD 4127

Professional Indemnity Proposal Form. for. Accountants. Address: 5/3352 Pacific Highway Postal: PO Box 976. Springwood QLD 4127 Springwood QLD 4127 Professional Indemnity Proposal Form for Accountants Address: 5/3352 Pacific Highway Postal: PO Box 976 Springwood QLD 4127 Springwood QLD 4127 Phone: 07 3387 2800 Fax: 07 3208 2200 Email: pidirect@pidirect.com.au

More information

THE NATIONAL TREASURY REPUBLIC OF SOUTH AFRICA RSA GOVERNMENT RETAIL BOND. The smart way to save

THE NATIONAL TREASURY REPUBLIC OF SOUTH AFRICA RSA GOVERNMENT RETAIL BOND. The smart way to save THE NATIONAL TREASURY REPUBLIC OF SOUTH AFRICA RSA GOVERNMENT RETAIL BOND The smart way to save Summary of Retail Bond This booklet is a summary of the RSA Retail Bond Owner s manual and should be read

More information

Business and Agri Loan Terms and Conditions

Business and Agri Loan Terms and Conditions October 2012 Thank you for choosing an ANZ loan. When you take out a loan, various terms and conditions apply to it. These are covered in this Terms and Conditions document and in your loan agreement.

More information

ANZ COMMUNITY SELECT

ANZ COMMUNITY SELECT ANZ COMMUNITY SELECT TERMS AND CONDITIONS 0 2. 2 0 1 6 Contents 1.1 Defined Terms 4 1.2 Other Interpretation Provisions 5 1.3 Customer More Than One Person 5 2 Eligibility for ANZ Community Select Benefits

More information

American Express. Business Credit Card Conditions

American Express. Business Credit Card Conditions American Express Business Credit Card Conditions Effective 1st June 2006 Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards In Australia

More information

Tax Deferred Employee Bonus Share Plan

Tax Deferred Employee Bonus Share Plan Tax Deferred Employee Bonus Share Plan Fortescue Metals Group Limited ABN 57 002 594 872 As approved by the Board of directors of Fortescue Metals Group Limited on 31 May 2011. Contents 1. Definitions

More information

IFP Global Franchise Fund

IFP Global Franchise Fund Investment Management April 206 IFP Global Franchise Fund Macquarie Professional Series Product Disclosure Statement IFP Global Franchise Fund This Product Disclosure Statement (PDS) is a summary of significant

More information

COMMERCIAL CREDIT ACCOUNT APPLICATION

COMMERCIAL CREDIT ACCOUNT APPLICATION COMMERCIAL CREDIT ACCOUNT APPLICATION *Mandatory field required to process application Please complete the below form in BLOCK LETTERS ONLY ensuring all information is entered with as much detail as possible.

More information

ANZ Share Investing TRADING TERMS AND CONDITIONS 23 MAY 2016

ANZ Share Investing TRADING TERMS AND CONDITIONS 23 MAY 2016 ANZ Share Investing TRADING TERMS AND CONDITIONS 23 MAY 2016 Important notice These terms and conditions must be read in conjunction with our Financial Services Guide (FSG), the Application and, if you

More information

Professional Indemnity Proposal Form. for. Finance & Mortgage Brokers

Professional Indemnity Proposal Form. for. Finance & Mortgage Brokers Professional Indemnity Proposal Form for Finance & Mortgage Brokers Address: 5/3352 Pacific Highway Postal: PO Box 976 Springwood QLD 4127 Springwood QLD 4127 Phone: 07 3387 2800 Fax: 07 3208 2200 Email:

More information

PURCHASE ORDER TERMS AND CONDITIONS

PURCHASE ORDER TERMS AND CONDITIONS PURCHASE ORDER TERMS AND CONDITIONS 1 SUPPLY 1.1 The Supplier must supply and Deliver the Goods to Downer at the Place of Delivery or Place of Pick-up (as applicable) by the Delivery Date for the Price.

More information

BANK ACCOUNT AGREEMENT

BANK ACCOUNT AGREEMENT EXECUTION VERSION AMENDED AND RESTATED BANK ACCOUNT AGREEMENT ARION BANK MORTGAGES INSTITUTIONAL INVESTOR FUND as the Fund and ARION BANK HF. as the Cash Manager, the GIC Provider and the Account Bank

More information

Title: Mr Mrs Ms Others... Family Name (in block letters):... First Names (in block letters):... NIC No:...Nationality:...

Title: Mr Mrs Ms Others... Family Name (in block letters):... First Names (in block letters):... NIC No:...Nationality:... Business Credit Card Application Form (Nominee) Nominee Details Title: Mr Mrs Ms Others... Family Name (in block letters):... First Names (in block letters):... Embossing name on card (in block letters

More information