SOURCES OF FUND INVESTMENT IN AUSTRALIA FROM OVERSEAS (DECEMBER 2013) 10. Asia Pacific 55% Europe 11% Middle East 6% UK 7.2% USA.

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1 Australia has ne f the largest and fastest grwing investment management sectrs in the Asia Pacific Regin. 1 Furthermre, it s predicted t grw t ver $3 trillin in funds under management by Its grwth is underpinned by Australia s gvernment-mandated retirement savings scheme (superannuatin), which will increase prgressively frm 9 per cent t 12 per cent f salary by Its size and sphisticatin reflects the cuntry s strengths in having the Asia Pacific Regin s: largest pensin fund industry (ex-japan); largest stck market (ex-japan) measured by free-flat market capitalisatin; largest market fr internatinal debt securities; fastest grwing freign exchange market; and third largest high-net-wrth market after Japan and China. 3 But superannuatin isn t the nly driving factr behind this grwing financial market. The Australian investment management industry als cnsists f: a hedge fund sectr that is ne f the largest in Asia, and which has 80 per cent f its assets deplyed in glbal and reginal markets; the regin s largest real estate investment trust (REIT) markets (and ne f the first); ne f the largest exchange traded investment funds markets in the Asia Pacific; grwing envirnmental, scial gvernance (ESG) and Infrastructure funds sectrs; millin peple, r 38 percent f the adult Australian ppulatin participate either directly, r indirectly in the lcal share market 5, making ur lcal exchange the 14th largest in the Wrld by market capitalisatin. 6 SOURCES OF FUND INVESTMENT IN AUSTRALIA FROM OVERSEAS (DECEMBER 2013) 10 Asia Pacific 55% Eurpe 11% Middle East 6% UK 7.2% USA.8% 55% AT 55% ASIA PACIFIC IS THE LARGEST CONTRIBUTOR OF FUNDS Rest 11% This dcument is nly intended t be a summary f the highlights f the cver available. We encurage yu t read the full Plicy wrding fr a full descriptin f the terms and cnditins. This Plicy Summary des nt frm part f the plicy terms and cnditins. SYDNEY MELBOURNE PERTH BRISBANE Tel: DUAL Australia Pty Limited Part f the DUAL Internatinal Grup Registered in Australia under ABN N

2 GLOBAL SIGNIFICANCE OF AUSTRALIA S INVESTMENT FUND ASSETS POOL 9 Investment fund assets, US$ billin, June quarter, 2014 ASIAN REGION New Taiwan India Suth Zealand Krea 825 1,453 1,686 China Japan Singapre Hng Kng Largest in Asian Regin Australia Australia s Ttal Funds Under Management: A$2.4 Trillin AUSTRALIA 1,456 1, Current Value 825 1,030 1,137 1, , ,580 1,559 1,686 3rd Largest in the Wrld 3,313 15,665 Japan Canada Brazil UK Singapre Ireland France Hng Kng Australia Luxemburg USA GLOBAL And nt nly is Australia s investment management industry ne f the largest in the regin, its als ne f the largest in the Wrld, with nly the USA and France having larger ttal pls f funds under management. 7 That s right, we have the third largest investment management industry in the Wrld! The sphisticatin f the Australian investment management industry is the key t attracting investment frm verseas. 8 Frm humble beginnings, Australia is nw at the frefrnt f the glbal investment management industry. DUAL Australia recgnises the unique risks faced by investment managers in tday's cmplex and demanding regulatry envirnment. Our specialist expertise in this industry allws us t ffer bespke slutins, which can be tailred t a plicyhlder s unique risk prfile. DUAL Australia s investment managers Insurance has been specifically designed fr the needs f Australian Investment Management firms. It cmbines multiple cverage sectins int ne easy t transact plicy frm, prviding cnvenience and peace f mind t investment management prfessinals. Backed by Llyd s security, DUAL Australia s Investment Managers Insurance Plicy prvides a brad frm cver fr Australian investment managers. GLOBAL PENSION ASSETS RANK COUNTRY TOTAL ASSETS 2013 (US$ BN) % GDP US$ BN 10-YEAR CAGR 1 US 18, % 6.6% 2 UK 3, % 10.0% 3 Japan 3,236 65% 1.1% 4 Australia 1, % 14.0% 5 Canada 1,451 80% 8.6% 6 Netherlands 1, % 8.3% 7 Switzerland % 8.3% 8 Germany % 8.3% 9 Brazil % 13.1% 10 Suth Africa % 9.0% 11 France 169 6% 2.0% 12 Ireland % 7.4% 13 Hng Kng % 12.1% Ttal 31,980 83% 6.7%

3 Llyd's ratings A+ (Strng) Standard & Prs AA- (Very Strng) Fitch Ratings A (Excellent) A.M. Best Key Plicy Benefits General benefits New fund and new subsidiary cver Waiver f ur rights under sectin 28(3) Standardised frm Cmmn definitins Easy t transact Prfessinal Indemnity Full civil liability wrding Reinstatement f the indemnity limit fr claims by retail clients Vicarius liability cver fr authrised representatives and agents Breach f privacy cver Cver under cnsumer prtectin legislatin Defamatin cver Frmer subsidiary and fund cver Key man lss Intellectual prperty cver Panel cunsel clause Public relatins expenses cver INVESTMENT MANAGERS Directrs & Officers Liability Traditinal Side A, B and C Directrs chice f defence cunsel Emplyment Practices Liability cver fr insured persns Crisis csts Additinal limit fr nn-executive directrs Deprivatin f asset expenses Extraditin csts Outside entity cver Bail bnd expenses Public relatins expenses Wrk health & safety csts Insured persn tax liability Pllutin defence csts and investigatin csts Preservatin f right t indemnity language Reinstatement f the indemnity limit fr nn-executive directrs Trustee liability cver fr single emplyer superannuatin fund Unincrprated jint venture cver N cnsensual claim exclusin N inslvency exclusin N insured vs insured exclusin Emplyment Practices Liability Cver fr Emplyment related Investigatins Public relatins Expenses Insurer duty t defend language

4 Crime Prtectin Including internal and external frauds Access t a dedicated Whistleblwer Htline Cntractual penalties resulting frm an internal r external crime Chice f lss investigatr Cmputer crime csts Extrtin csts Errneus transfer f mney r securities Future lss preventin csts Lss f client funds held n trust Lss f Interest Incme Cver fr the lss f cryptcurrencies (including Bitcin) Cver fr Alternative Investment Fund under EU Directive 2011/61/EU (AIFs) Statutry Liability & Supplementary Legal Expenses Autmatic run-ff fr retired insured persns Crisis csts Insured persn tax liability Pllutin defence csts and investigatin csts Prsecutin csts Autmatic unincrprated jint venture cver Additinal Benefits Available n a primary r excess basis Apprpriate fr Retail AFSL hlders Lcal underwriters with authrity t make decisins Ability t tailr bespke slutins fr cmplex risks Lcal claims handlers with expert knwledge Glbal reach thrughut admitted jurisdictins Llyd s capacity Brad appetite Actual cverage may differ frm accunt t accunt depending n ptins purchased The evlving landscape facing Australian businesses There are ver 700 laws that can impse persnal liability n a Directr 17,000 unfair dismissal claims every year prcessed by the Fair Wrk Cmmissin Ever increasing regulatry burden n businesses - Intrductin f Fair Wrk Act - Privacy Act amendments - Harmnisatin f the Wrkplace Health & Safety legislatin - Changes t the Anti-mney laundering and Cunter terrrism Financing Act - New Anti-bullying legislatin - Anti-Bribery & Crruptin measures in the Australian Criminal Cde Increased Ecnmic & Trade Sanctins Cntinuus disclsure bligatins Vlatile market cnditins Glbalisatin expsing business t multiple legal jurisdictins

5 Ftntes Financial Services Cuncil, Media Release, 28 February Investment Management Industry in Australia, by Austrade, (fr mre infrmatin, visit: 4 Investment Management Industry in Australia, by Austrade, (fr mre infrmatin, visit: Why Australia: Benchmark Reprt 2015, The Australian Trade Cmmissin, Australian Investment Managers Crss Brder Flws Reprt, Financial Services Cuncil and Perpetual 9 Investment Management Industry in Australia, by Austrade, (fr mre infrmatin, visit: Australian Investment Managers Crss Brder Flws Reprt, Financial Services Cuncil and Perpetual 11 Surce: Twers Watsn Glbal Pensins Asset Study 2014; Austrade;

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