WealthView ewrap Investment

WealthView ewrap Investment Supplementary Investor Directed Portfolio Services Guide and Supplementary Financial Services Guide This is a Supplementary Investor Directed Portfolio Services Guide and Supplementary Financial Services Guide (Supplementary Guide) to the WealthView ewrap Investment Investor Directed Portfolio Services Guide and Financial Services Guide (Guide) dated 21 October 2013. This Supplementary Guide should be read in conjunction with the above mentioned Guide. The following wording is added under the Important Information section on the inside front cover. NMMT has a comprehensive strategy for monitoring and selecting underlying investment options. This strategy includes oversight by an investment committee made up of senior executives. NMMT is not responsible for the performance of underlying investment options. The following replaces the Changes to this document section on the inside front cover. Information in this Guide may change from time to time. If the change is not materially adverse it may be updated on investoronline.info. A printed copy can be obtained free of charge by calling the Contact Centre on 1800 006 230. If fees increase (other than by indexation) we will give you written notice 30 days prior to the change. For any other material change we will inform you within three months of the change. The following wording replaces the last paragraph of the Your financial adviser section on page 5. If you change your financial adviser, you must tell us immediately. If you elect not to receive ongoing financial advice you may remain invested in WealthView ewrap Investment, however you will be able to provide us with limited instructions and most account features will not be available to you. In this instance, you will be treated in accordance with the NMMT Limited Non-Advised Clients policy which is available at amp.com.au/corporatepolicies. We strongly encourage that you have a financial adviser attached to your account at all times to ensure that your financial strategy is being maintained and that you have access to all the features and functionalities offered through WealthView ewrap Investment. Effective date: 1 July 2014 The following wording replaces the last paragraph of the Regular buy section on page 9. When you set up your regular buy instruction, you acknowledge and agree that we will continue your regular buy instructions until you instruct us otherwise. This means future investments will be made even though you may not have received the latest PDS for that investment, or information about material changes or significant events that may affect that investment. This includes information that the responsible entity of the investment is required to give you directly, unless exceptions apply. Download the latest version of your investment option s PDS from Investor Online. Change the sub-heading Information from investment managers into a main heading on page 10. Replace all references of managed investments to investments (other than shares held in a sponsored share account) under the Information from investment managers section on page 10. The following replaces the Tax parcels and your tax return section on page 18. If you intend to use your consolidated Tax Report to calculate your gain or loss, you ll need to let us know your parcelling preferences by mid July each year. That way, we can include this information when we prepare the capital gain or loss summary report for you. If you ve used interim capital gains reporting to determine your quarterly PAYG instalment income (for example, for a self-managed superannuation fund), you should not change your selection later. For existing accounts, we don t accept changes to the tax parcel selections during the tax-reporting period, from mid July until around the end of November. This means you ll need to change the method by mid July, or the previous method will also apply to sales in the new financial year. If you do not change your method by mid July, the new method will also apply for the previous financial year. Our Contact Centre can advise the exact July cut-off date each year for changes to tax parcel selections. Please speak to your financial adviser or taxation consultant to find out which method is most suitable to you.

The following section replaces the Electronic reporting and Communications from investment managers sections on pages 25 26. Electronic notifications, estatements and online communications estatements and online communication You can view your correspondence, including reports, statements, account actions and most letters, in the one secure location on Investor Online. You can make the choice to receive correspondence online when completing your application, by notifying your financial adviser, registering on Investor Online or calling us. As important information about your WealthView ewrap Investment Account may be sent to the email address you nominate in your application, it s important that you nominate a current and active email address and notify us immediately if the email address provided changes. Electronic notifications and updated information We may provide you with all information required or permitted to be given to you under the relevant law, including transactional and periodical statements, ongoing disclosure and product disclosure statements and supplementary product disclosure statements (or the equivalent information) for underlying managed investments (Information): where it is or may become permissible under relevant law, via your financial adviser in writing or notice by email or other electronic communication (including by making it available online at Investor Online) directly: by email (including emails containing a hypertext link) by other electronic communication (including documents containing a hypertext link or by making it available online at Investor Online). if you re: a new investor, by making an application to open a WealthView ewrap Investment Account, or an existing investor, by giving an investment direction or switching request, using the regular buy, or by you (or someone on your behalf) making further deposits on or after the date of this Guide, you agree that Information can be provided to you in any of these ways. When we send you documents You agree we may give you documents and other communications by any of the methods specified below, including by sending them to any address for you, your financial adviser or your representative provided by you or that we reasonably believe is correct. In this case, those documents and other communications are taken to be given if: online, when available posted (including a letter containing a reference to a website where the relevant documents or other communications can be found), when they would be delivered in the ordinary course of post (which we deem to be next business day after posting) sent by fax, on production of a transmission report sent by email (including an email containing a hypertext link to one or more documents), one business day after the email is sent given personally, when received. Terms and conditions for estatements and online communications Where you elect to receive communications from us online via Investor Online, you agree: to receive the communications you have requested electronically by regularly accessing them using Investor Online that registration, access to, and delivery of estatements and online communications via Investor Online are free either party of a joint account may register for estatements and online communications via Investor Online to register or be registered and remain registered as a user of Investor Online that any communication given to you online by making it available to you to access via Investor Online will be taken to be delivery of the communication to you on the date that your nominated email address receives an email from us that the communication is available we will send an estatement notification email to your nominated email address when a communication is available for you to access via Investor Online you have provided your nominated email address in your application, through your adviser or via Investor Online and you (or your adviser, on your behalf) are responsible for notifying us of any change to your nominated email address the nominated email address you have provided is your own to ensure we can deliver your estatements, any change to your email address must be submitted before the effective end date of the upcoming report (eg 30 June) we ll automatically cancel your request for estatements and online communications and switch you back to paper correspondence sent via mail if we re unable to successfully deliver emails to your nominated email address because it is not valid to resume estatements after being switched back to paper, you will need to opt-in to online communications again and provide us with a valid email address you will be able to access such communications at any time while your account is open and you have access to Investor Online 2

to keep your nominated email address current and active to continue to receive emails from us and to ensure your mailbox can receive email notifications from us (eg there must be sufficient storage space available in your inbox) to ensure your mailbox junk mail and spam filters allow emails to be received from us to tell us as soon as possible if you are unable to access your email, Investor Online or your estatements for any reason to regularly check for delivery of your estatements regardless of whether or not you have received an email notification to take reasonable and appropriate security measures in relation to your computer and email access you can download a copy of any such communication free of charge we will send you a free paper copy of any such communication, at your request we may give you any communication in any other method permitted by law you may cancel your request to receive online communications at any time, however, you acknowledge that it may take up to two days for us to process your cancellation request and recommence sending you paper communications via mail we may at any time vary, suspend or cancel your access to estatements and online communications via Investor Online. If we do this, we will provide notice to your nominated email address as soon as is reasonably practicable and will resume sending you paper communications via mail we will notify you of any change to these terms and conditions either by email to your nominated email address, via Investor Online, or by mail we are not responsible for any losses whatsoever (including consequential loss) arising from unauthorised access to your email account, your inability to access your email account or because we have had to cancel your access to estatements and online communications and resume sending you paper communications via mail we are not responsible for any costs associated with updating, modifying or terminating your software or hardware to enable you to access estatements or Investor Online. The following section is added after the Verifying your identity section on page 27. Your rights Your rights as an investor through WealthView ewrap Investment are governed by this Guide, the Deed Poll and the Corporations Act. The rights you have as an investor include the right to: withdraw your investment terminate your investment receive income entitlements receive Investor Reports, and inspect the Deed Poll. There are differences between investing directly and investing through a portfolio administration service like WealthView ewrap Investment. As an investor through WealthView ewrap Investment: you will have access to managed investment funds that are normally only available to investors with large amounts to invest investments (other than shares held in a sponsored share account) will be held in custody for you, and we will provide consolidated reporting and collect income on your behalf, and you have no cooling-off rights. If you invest directly in managed investment funds you will receive reports, accounts and may be able to participate in distribution reinvestment plans. These options will not be available to investors who invest through IDPS schemes like WealthView ewrap Investment. NMMT has a voting policy in place regarding investments accessible through WealthView ewrap Investment. A copy of this policy is available free of charge upon request or at any time from amp.com.au/corporatepolicies. The following wording replaces the Your privacy section on page 27. We may collect personal information directly from you or from your financial adviser. The main purpose in collecting personal information from you is so that we can establish and manage your Account. If you do not provide the required information, we may not be able to process your application or provide you with the products and services you have applied for. We may collect personal information if it is required or authorised by law including the Corporations Act 2001 and the Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) Act 2006. We may use your information for related purposes for example, providing you with ongoing information about financial services that may be useful for your financial needs through direct marketing. These services may include investment, retirement, financial planning, banking, credit, life and general insurance products and enhanced customer services that may be made available by us, other members of the AMP group, or by your financial adviser. Please call the Contact Centre on 1800 006 230 if you do not want your personal information used for direct marketing purposes. We may need to disclose your personal information to other parties, such as: other members of the AMP group your financial adviser your parent or guardian, if you are under age 18 external service suppliers who may be located in Australia or overseas, who supply administrative, financial or other services to assist the AMP group in providing you with AMP financial services. A list of countries where these providers are located can be accessed via our Privacy Policy anyone you have authorised or if required by law. 3

Under the current AMP Privacy Policy you may access personal information about you held by the AMP group. The AMP Privacy Policy sets out the AMP group s policies on management of personal information, including information about how you can access your personal information, seek to have any corrections made on inaccurate, incomplete or out-of-date information, how you can make a complaint about privacy and information about how AMP deals with such complaints. The AMP Privacy Policy can be obtained online at amp.com.au or by calling the Contact Centre on 1800 006 230. The following wording replaces the Making an enquiry or complaint section on page 27. Making an enquiry or complaint How do I give feedback or lodge a complaint? If you have a concern or complaint about your WealthView ewrap Investment Account that you cannot resolve with your adviser, please call our Contact Centre on 1800 006 230. If we are unable to resolve your concerns over the phone, we will escalate the matter to our Complaints Officer. Alternatively, you can outline your complaint in writing to: The Complaints Officer GPO Box C113 PERTH WA 6839 The Complaints Officer will acknowledge receipt of your complaint and endeavour to resolve the matter within 45 days of receiving your complaint. If you have a concern or complaint regarding an investment acquired through WealthView ewrap Investment, please approach us using the contact details above. We can help to direct your complaint or facilitate a resolution with the relevant product issuer. If you have a concern or complaint about your adviser or the financial product advice you have received, please approach the Australian financial services licensee for whom your adviser was acting. What should I do if I don t receive a response or I m dissatisfied with the response? If you are dissatisfied with our response (or have not received a response within 45 days), you may escalate your complaint to the Financial Ombudsman Service (FOS) on 1300 780 808 or alternatively, in writing to: Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001 FOS is an independent body set up to assist customers in the resolution of complaints relating to members of the financial services industry, including life insurance and funds management companies. The following wording replaces the CHESS sponsorship terms and conditions section on page 32 CHESS sponsorship terms and conditions Introduction A. Asgard Capital Management Ltd ABN 92 009 279 592 ( we, us and our ) is the holder of an Australian Financial Services Licence under the Corporations Act 2001. B. Information on our status can be obtained from the Australian Securities and Investments Commission. C. As the holder of a WealthView ewrap Investment account, we offer to sponsor you, and you agree to be sponsored by us, for CHESS purposes. 1. Interpretation In these terms and conditions, this Agreement is a reference to these terms and conditions when you agree to be bound by them and any term used in these terms and conditions which is defined in the ASX Settlement Operating Rules has the meaning given in those Rules. Should you require a copy of these definitions, please contact us. 2. Appointment and issue of HIN 2.1 You appoint us to provide and we agree to provide, transfer and settlement services (some or all of which we may appoint another CHESS Participant to provide) as agent for you in relation to your Sponsored Holdings on the terms and conditions set out in this Agreement. 2.2 If you do not transfer an existing HIN to us, we will apply for a HIN for you when you elect to trade Financial Products that will be a Sponsored Holding. Any new HIN will be specified in a letter or electronic communication to you as soon as practicable after it is issued to us. Any existing HIN you do transfer to us will be specified by you in the relevant CHESS Transfer Form. 2.3 If you transfer Financial Products held under an existing HIN to us, by completing the relevant CHESS Transfer Form, you direct us to arrange for the transfer to our PID of the nominated Financial Products. 3. Mandatory provisions 3.1 Our rights 3.1.1 Where you, the Participant Sponsored Holder, authorise us to buy Financial Products, you will pay for those Financial Products within three Business Days of the date of purchase. 3.1.2 Subject to Clause 3.1.3, we are not obliged to Transfer Financial Products into the Participant Sponsored Holding, where payment for those Financial Products has not been received, until payment is received. 4

3.1.3 Where a contract for the purchase of Financial Products remains unpaid, after we have made a demand of you to pay for the Financial Products, we may sell those Financial Products that are the subject of that contract at your risk and expense and that expense will include brokerage and stamp duty. 3.1.4 Where we claim that an amount lawfully owed to us has not been paid by you, we have the right to refuse to comply with your Withdrawal Instructions, but only to the extent necessary to retain Financial Products of the minimum value held in a Participant Sponsored Holding (where the minimum value is equal to 120% of the current market value of the amount claimed). 3.2. Your rights 3.2.1 Subject to Clauses 3.1.3 and 3.1.4, we will initiate any Transfer, Conversion or other action necessary to give effect to Withdrawal Instructions within two (2) Business Days of the date of the receipt of the Withdrawal Instructions. 3.2.2 Subject to Rule 7.4 of the ASX Settlement Operating Rules, we will not initiate any Transfer or Conversion into or out of the Participant Sponsored Holding without your express authority. 3.2.3 You may be entitled to lodge any complaints against us relating to any breach of this Agreement with ASX Settlement or the Australian Securities & Investments Commission. 4. Other rights and duties 4.1 Supply of information You will supply all information and supporting documentation which is reasonably required to permit us to comply with the registration requirements, as are in force from time to time, under the ASX Settlement Operating Rules. 4.2 Pledging and sub-positions 4.2.1 Where you arrange with any person to give a charge or any other interest in Financial Products in a Participant Sponsored Holding, you authorise us to take whatever action is reasonably required by the person in accordance with the Rules to give effect to that arrangement. 4.2.2 You acknowledge that where, in accordance with this Agreement and/or your instructions, we initiate any action which has the effect of creating a sub-position over Financial Products in the Participant Sponsored Holding, your right to transfer, convert or otherwise deal with those Financial Products is restricted in accordance with the terms of the Rules relating to sub positions. 4.3 Fees 4.3.1 You will pay all Brokerage fees and associated transactional costs within the period prescribed by us. 5. Mandatory notifications and acknowledgements 5.1 You acknowledge that if we are not a Market Participant of an Approved Market Operator, neither the Approved Market Operator nor a Related Party of the Approved Market Operator (including ASX Settlement) has any responsibility for regulating the relationship between you and us, other than in relation to the Rules relating to Sponsorship Agreements. 5.2 You acknowledge that if a Transfer is taken to be effected by us under Section 9 of the ASX Settlement Operating Rules and the Source Holding for the Transfer is a Participant Sponsored Holding under this Agreement, then: 5.2.1 you may not assert or claim against ASX Settlement or the relevant Issuer that the Transfer was not effected by the Sponsoring Participant or that the Sponsoring Participant was not authorised by you to effect the Transfer, and 5.2.2 unless the Transfer is also taken to have been effected by a Market Participant of an Approved Market Operator or a Clearing Participant of ASX Clear, you have no claim arising out of the Transfer against the compensation arrangement applicable to the Approved Market Operator or the Clearing Participant of ASX Clear under the Corporations Act and Corporations Regulations. 5.3 In the event that we breach any of the provisions of this Agreement, you may refer that breach to any regulatory authority, including ASX Settlement. 5.4 In the event that we are suspended from CHESS participation, subject to the assertion of an interest in Financial Products controlled by us, by our liquidator, receiver, administrator or trustee: a. you have the right, within twenty (20) Business Days of ASX Settlement giving Notice of suspension, to give notice to ASX Settlement, requesting that any Participant Sponsored Holdings be removed either: i. from the CHESS Sub-register, or ii. from our control to the control of another Participant with whom they have concluded a valid Sponsorship Agreement pursuant to Rule 12.19.10 of the ASX Settlement Operating Rules, b. where you do not give notice under Clause 5.4.(a), ASX Settlement may effect a change of Controlling Participant under Rule 12.19.11 of the ASX Settlement Operating Rules and you will be deemed to have entered into a new Sponsorship Agreement with the substitute Participant on the same terms as this Agreement. Where you are deemed to have entered into a Sponsorship Agreement, the new Participant must enter into a Sponsorship Agreement with you within ten (10) Business Days of the change of Controlling Participant. 5.5 You acknowledge that before you executed this Agreement, we provided you with an explanation of the effect of this Agreement and that you understood the effect of this Agreement. 5

5.6 You acknowledge that in the event of your death or bankruptcy, a Holder Record Lock will be applied to all Participant Sponsored Holdings in accordance with the ASX Settlement Operating Rules unless your legally appointed representative or trustee elects to remove the Participant Sponsored Holdings from the CHESS Sub-register. 5.7 You acknowledge that in the event of your death, this Agreement is deemed to remain in operation, in respect of the legally appointed representative authorised to administer your estate, for a period of up to three calendar months after the removal of a Holder Record Lock applied pursuant to Clause 5.6 unless your legally appointed representative or trustee elects to remove the Participant Sponsored Holdings from the CHESS Sub register. For joint holdings only 5.8 You acknowledge that in the event of the death of one of the Holders, we will transfer all Holdings under the joint Holder Record into new Holdings under a new Holder Record in the name of the surviving Participant Sponsored Holder(s), and that this Agreement will remain valid for the new Holdings under the new Holder Record. 5.9 You acknowledge that in the event of the bankruptcy of one of the Holders we will: a. unless the legally appointed representative of the bankrupt Participant Sponsored Holder elects to remove the Participant Sponsored Holdings from the CHESS Sub-register, establish a new Holder Record in the name of the bankrupt Participant Sponsored Holder, transfer the interest of the bankrupt Participant Sponsored Holder into new Holdings under the new Holder Record and request that ASX Settlement apply a Holder Record Lock to all Holdings under that Holder Record, and b. establish a new Holder Record in the name(s) of the remaining Participant Sponsored Holder(s) and Transfer the interest of the remaining Participant Sponsored Holder(s) into new Holdings under the new Holder Record. 6. Change of controlling participant 6.1 If you receive a Participant Change Notice from us and the Participant Change Notice was received by you at least 20 Business Days prior to the date proposed in the Participant Change Notice for the change of Controlling Participant, you are under no obligation to agree to the change of Controlling Participant, and may choose to do any of the things set out in Clauses 6.2 or 6.3. 6.2 You may choose to terminate this Agreement by giving Withdrawal Instructions under the ASX Settlement Operating Rules to us, indicating whether you wish to: a. transfer your Holdings to another Controlling Participant, or b. transfer your Holdings to one or more Issuer Sponsored Holdings. 6.3 If you do not take any action to terminate this Agreement in accordance with Clause 6.2 above, and do not give any other instructions to us which would indicate that you do not agree to the change of Controlling Participant then, on the Effective Date, this Agreement will have been taken to be novated to the New Controlling Participant and will be binding on all parties as if, on the Effective Date: a. the New Controlling Participant is a party to this Agreement in substitution for us b. any rights of ours are transferred to the new Controlling Participant, and c. we are released by you from any obligations arising on or after the Effective Date. 6.4 The novation in Clause 6.3 will not take effect until you have received a notice from the New Controlling Participant confirming that the New Controlling Participant consents to acting as the Controlling Participant for you. The Effective Date may as a result be later than the date set out in the Participant Change Notice. 6.5 You will be taken to have consented to the events referred to in Clause 6.4 by the doing of any act which is consistent with the novation of this Agreement to the New Controlling Participant (for example, by giving an instruction to the New Controlling Participant), on or after the Effective Date, and such consent will be taken to be given as of the Effective Date. 6.6 This Agreement continues for our benefit in respect of any rights and obligations accruing before the Effective Date and, to the extent that any law or provision of any agreement makes the novation in Clause 6.3 not binding or effective on the Effective Date, then this Agreement will continue for our benefit until such time as the novation is effective, and we will hold the benefit of this Agreement on trust for the New Controlling Participant. 6.7 Nothing in this Clause 6 will prevent the completion of CHESS transactions by us where the obligation to complete those transactions arises before the Effective Date and this Agreement will continue to apply to the completion of those transactions, notwithstanding the novation of this Agreement to the New Controlling Participant under this Clause 6. 7. Claims for compensation 7.1 You may make a claim for compensation relating to any breach of this Agreement to us. 7.2 If we breach a provision of this Agreement and you make a claim for compensation pursuant to that breach, our ability to satisfy that claim will depend on our financial circumstances. 7.3 If we breach a provision of this Agreement, you are not entitled to make a claim on the National Guarantee Fund for compensation. 7.4 You may be entitled to make a claim for compensation to ASX Settlement under any Sponsorship Bond lodged by us with ASX Settlement where applicable. 6

8. Termination 8.1 Subject to the ASX Settlement Operating Rules this Agreement will be terminated upon the occurrence of any of the following events: a. by notice in writing from either you or us to the other party to this Agreement b. upon us becoming insolvent c. upon our termination or suspension, or d. upon giving us Withdrawal Instructions in accordance with Rule 7.1.10(c). 8.2 Termination under Clause 8.1(a) will be effective upon receipt of Notice by the other party to this Agreement. 9. Variation Should any of the provisions in this Agreement be inconsistent with the provisions in the ASX Settlement Operating Rules we will, by giving you not less than seven (7) Business Days written Notice, vary this Agreement to the extent to which in our reasonable opinion is necessary to remove any inconsistency. The following wording replaces the Online share trading terms and conditions with E*TRADE section on page 35. Account opening 1. The Client warrants that if the Client is: a. more than one person or entity, each such person or entity shall be jointly and severally liable under the Terms b. acting as a trustee, the Client has authority to be bound by the Terms both personally and as trustee c. a corporation, the Client holds a valid ACN or ARBN under the Corporations Act and the principal place of business of the Client is in Australia, or d. a natural person, the Client is 18 years of age or over. 2. The Client undertakes to notify the Licensee immediately of any change to its identity, address or personal particulars and the Client authorises the Licensee to convey such information to E*TRADE Australia. 3. The Client shall provide such information as is requested by the Licensee to open an account with E*TRADE Australia and shall provide such identification information as the Licensee in its sole discretion considers necessary. 4. The Client warrants and represents: a. that the information the Client supplies is accurate, complete and truthful b. that the Client is constituted by no more than three persons c. that the Client will be at all times in a position to meet all commitments on the part of the Client arising from transactions under these Terms d. that the Client is not a person with whom the Licensee or E*TRADE Australia is not lawfully entitled to deal pursuant to any statute, law, rule or regulation in or outside Australia e. that the Cash Account is an account in the Client s name. Dealing 5. Licensee acts as Agent The Client acknowledges that the Licensee acts as its agent. 6. Customs usages and practices of ASX and Chi-X The Client acknowledges and agrees that all orders placed with E*TRADE Australia through the Licensee are placed subject to customs and usages of the ASX and Chi-X, the Operating Rules and the Corporations Act, together with the terms and conditions set out in each trade confirmation issued in respect of each transaction. 7. Non-advisory accounts 7.1 A non-advisory account is an account, which the Licensee designates to be non advisory, and is intended to operate on an execution only (non advice) basis. 7.2 Clients who operate a non-advisory account acknowledge that buy orders will only be accepted where sufficient Cleared Funds are available in the Client s Cash Account or ewrap Margin Loan Account and that sell orders will only be accepted where the particular securities, the subject of the order, are registered on CHESS. 7.3 Clients who operate a non-advisory account acknowledge and agree that they rely on their own skill and judgment when placing an order through the Licensee with E*TRADE Australia, that they may not have completed an investor profile and that the Licensee does not intend to or may be unable to identify their investment objectives, situation and needs and does not intend any advice to be provided or to be relied upon or warrant that such advice if provided is suitable for the Client. 8. Advisory accounts 8.1 Advisory accounts may be general or personal and advice provided in respect to each account shall be treated differently. 8.2 Personal advisory accounts shall only be opened by Clients who have completed a Client profile, which shall be relied upon to identify the Client s investment objectives, financial situation and particular needs. 8.3 Any advisory account which is opened without receipt of a completed Client profile shall be a general advisory account and the parties agree that any advice provided in respect to that account by 7

8 the Licensee shall be treated as general advice and it is acknowledged and agreed that such advice may not be suitable for the Client s investment objectives, financial situation and particular needs. 8.4 The Client acknowledges that the Licensee cannot identify their investment objectives, financial circumstances and particular needs in the absence of a completed Client profile and agrees that it is the Client s obligation to complete such profile and advise the Licensee if any of its contents change. 8.5 The Client acknowledges and agrees that it is their responsibility to ensure that they complete and that the Licensee receives a current financial profile of their financial position in the event that they wish to receive personal advice. 9. Trading generally 9.1 The Client may instruct the Licensee to deal on behalf of the Account provided there are sufficient Cleared Funds or Cleared Financial Products in the Account and such amounts comply with the requirements set out in the ewrap Investment Financial Services Guide. 9.2 All Financial Products trading transactions between the Client and E*TRADE Australia are subject to the Corporations Act, the Operating Rules, the customs and usages of the ASX and Chi-X and the terms and conditions set out in the trade confirmation issued by E*TRADE Australia and defined in ASIC Market Integrity Rules 3.4.1 (3a), (3b) (i), (ii) and (iii) in relation to each transaction, and the Client acknowledges that any trade confirmation is issued subject to the matters set out in those rules. 9.3 Each order instruction provided to, or through the Licensee to, E*TRADE Australia is given with the intention that it will be transmitted to a market for execution. 9.4 The Client warrants that all orders placed and any trade conducted by it is lawful. 9.5 The Licensee and E*TRADE Australia reserve the right not to accept and/or to remove without notice any order that it in its sole discretion considers may detract from an orderly market or which it believes is manipulative. 9.6 The Client acknowledges that any order placed will remain open until cancelled by the Client, the Licensee or E*TRADE Australia in accordance with these Terms or purged by ASX or Chi-X. The Client acknowledges that the Licensee and E*TRADE Australia do not accept responsibility for reinstating lapsed orders or for contacting the Client to seek new instructions. 10. Cancellation of trades The Licensee and E*TRADE Australia reserve the right to cancel trades pursuant to or as contemplated by the Operating Rules, practices and procedures of the ASX and Chi-X and the relevant clearing house without the Client s consent. Execution and settlement 11. Acknowledgments 11.1 The Client acknowledges that: a. the Licensee utilises the execution and settlement services of E*TRADE Australia b. E*TRADE Australia will include in its brokerage charge an amount payable to Asgard for the introduction of broking business c. E*TRADE Australia will not provide the Client with any legal, tax, financial or accounting advice or advice regarding the suitability or profitability of any Financial Product or investment and, to the extent permitted by law, will have no liability (including for any negligence) with respect to the transactions (including any diminution in value) in or for the Client, the Client Account and the Client s investment decisions d. E*TRADE Australia does not operate discretionary accounts e. where the Client has elected to receive trade confirmation details by electronic means only, the Client accepts the conditions set out in ASIC Market Integrity Rules 3.4.1 (3a), (3b) (i), (ii) and (iii) apply f. where the Client provides the Licensee or E*TRADE Australia with Tax File Numbers, these numbers may be passed on to the provider of the Cash Account, E*TRADE Australia and share registries with whom the Client holds Financial Products g. E*TRADE Australia or the Licensee may at its sole and absolute discretion, close the Account or refuse instructions to purchase or sell Financial Products on behalf of the Client or cancel any order or trade or generally prohibit or restrict the Licensee s ability to trade Financial Products in or from the Account without providing any reason for doing so. E*TRADE Australia will notify the Client of any such refusal or Account closure as soon as is practicable, and h. without limiting clause 11.1 (g) E*TRADE Australia may refuse to accept instructions from the Client to buy or sell Financial Products unless the Client has met the Account opening requirements set out in the Terms and in the ewrap Investment Financial Services Guide. 11.2 E*TRADE Australia is entitled to be indemnified by the Client in respect of any Claim or Loss suffered by E*TRADE Australia as a result of any breach by the Client of these terms and conditions and E*TRADE Australia shall not be liable for any Loss suffered by the Client as a result of the default

of any financial institution or service provider in relation to or in connection with any transactions. 11.3 The Client acknowledges that certain orders at E*TRADE Australia s sole discretion may be subject to manual review and entry, which may cause delays in the processing of the Client orders. The Client acknowledges that the order will be executed at the price available on the ASX or Chi-X (subject to any limit imposed by the Client), which may be different from the price at which the Financial Product is trading when the Client order was entered on to the Service. 11.4 The Client acknowledges that E*TRADE Australia uses Automated Client Order Processing, which may involve the matching of the Client s order with an opposite order from another of its Clients or with E*TRADE Australia when it deals as principal. The Client agrees that where a Client order is matched with an opposite order from another of its Clients, E*TRADE Australia is entitled to charge brokerage to both parties to the transaction. 11.5 The Client authorises the accumulation and price averaging of two or more market transactions into a single confirmation/trade confirmation. 12. Electronic communications 12.1 The Client agrees to receive communications, notices, PDSs and FSGs electronically via the electronic address nominated by the Client. 12.2 The Client will be responsible for the confidentiality and use of any password provided to them, and agrees that they will not disclose it to any other person. 12.3 The Client agrees not to contest the validity or enforceability of Electronic Communications between the Client and E*TRADE Australia in any legal proceedings between the parties and also irrevocably waive any right to raise any defence or waiver of liability based upon the absence of a memorandum in writing or of a failure of execution. 12.4 E*TRADE Australia may maintain a transaction log consisting of a copy of all instructions received from the Client by Electronic Communications. In the event of a dispute, the log will be conclusive evidence of the details of the communications contained in it except in the case of a manifest error. To the extent permitted by law (including for any negligence) E*TRADE Australia is not liable for any Loss incurred by the Client as a result, directly or indirectly, of any inaccuracies or lack of timeliness in the information appearing on the log. 12.5 Neither party is liable to the other for any Loss suffered by the other party due to a force majeure event. 13. Payments 13.1 The Client agrees to pay to E*TRADE Australia brokerage, fees, taxes and duties notified to the Client from time to time and as they apply to all matters relating to the Client Account Application, the Account and transactions on behalf of the Client and services provided to the Client. The Client acknowledges that E*TRADE Australia is entitled to require the payment of different amounts of charges and expenses from its customers for the same services and may provide only some services to a select group or class of its customers from time to time in its sole and absolute discretion. 13.2 The Client irrevocably authorises E*TRADE Australia to deduct all amounts in respect of purchase orders, brokerage, fees, taxes and duties from Cleared Funds in the Client s Cash Account or ewrap Margin Loan Account as required for settlements or otherwise required by the ASX and ASX Clear including brokerage (if any) payable to the Licensee and agree to reimburse E*TRADE Australia, upon request, all amounts in respect of purchase orders, brokerage, fees, taxes and duties or any other charges levied or imposed in relation to each transaction which remain unpaid. 13.3 The Client authorises the Licensee in its own right and as agent of the Client (by way of instructing E*TRADE Australia) to appropriate, transfer, credit, apply or pay monies that may be received or held by the Client or on the Client s behalf in payment of amounts that may be outstanding by the Client to the Licensee or to E*TRADE Australia. 13.4 E*TRADE Australia may appropriate any payments, credits or other sums of money received by the Client or on behalf of the Client in reduction of any amounts owing by the Client to E*TRADE Australia or by the Client to the Licensee or otherwise (including for buy orders placed by the Client), whether on the Account or any other account, and may apply monies held in the Cash Account or ewrap Margin Loan Account to discharge any liability arising under the Terms. 13.5 E*TRADE Australia may charge interest on any debit balances in the Account and any other amounts outstanding by the Client to E*TRADE Australia as disclosed to the Client from time to time. 13.6 The Client may not close any Account without E*TRADE Australia first receiving all Financial Products for which the Account is liable to deliver for sale and all funds to pay in full for all Financial Products which have been purchased on the Account, including all amounts payable to E*TRADE Australia. 13.7 All Financial Products bought or purchased by the Client in accordance with these Terms shall, subject to the Operating Rules, be subject to a lien for the discharge of any and all indebtedness or any other obligation that the Client may have 9

10 to E*TRADE Australia or the Licensee. The Client must pay E*TRADE Australia or the Licensee the costs and expenses of collection of any such indebtedness or debit balance, including but not limited to, legal costs and disbursements. 13.8 Subject to the Operating Rules, the Client authorises E*TRADE Australia or the Licensee to sell Cleared Financial Products, as necessary, to meet any unpaid debt the Client owes E*TRADE Australia or the Licensee. 14. Settlement 14.1 Where the Client instructs the Licensee to buy Financial Products, the Client agrees to pay and authorises payment for those Financial Products to be deducted from the Cleared Funds prior to settlement. E*TRADE Australia is not obliged to transfer Financial Products to the Client where payment for those Financial Products has not been received and, until payment of all amounts outstanding from the Client to the Licensee or E*TRADE Australia is made in full. 14.2 Where a contract for the purchase of Financial Products remains unpaid, E*TRADE Australia will make a written demand on the Client to pay for the Financial Products, and, after 2 Trading Days from Settlement Date, if the Financial Products remain unpaid, E*TRADE Australia may sell Financial Products as necessary to cover the default at the Client s risk and expense and that expense will include brokerage and stamp duty. 14.3 If E*TRADE Australia makes a sale of a Financial Product at the direction of the Client, and the Client has failed to deliver those Financial Products, then E*TRADE Australia is authorised to borrow or otherwise obtain the Financial Products necessary to enable E*TRADE Australia to make delivery, and the Client agrees to be responsible for any Loss E*TRADE Australia may incur, including the cost of borrowing and/or obtaining the Financial Products and/or other property. The Client agrees that E*TRADE Australia is the Client s agent to complete all such transactions and is authorised to make advances and expend monies as required. 15. Late and corrected reports The Client understands that E*TRADE Australia from time to time receives late reports reporting the status of transactions. Accordingly, the Client will be subject to late reports relating to orders that were previously unreported to the Client or reported to the Client as being expired, cancelled, or executed. In addition, any reporting or posting errors, including in execution prices, will be corrected to reflect what actually occurred in the marketplace. 16. Confirmations, account statements, notices and other communications 16.1 It is the responsibility of the Client to review upon first receipt, whether delivered to the Client by mail, Electronic Communication or otherwise all confirmations of transactions and all statements in relation to the Account. Transactions and all such information received by the Client shall be binding upon the Client, if the Client does not object, either in writing or by Electronic Communication, within 48 hours after the confirmation or information is first received. In all cases, E*TRADE Australia reserves the right to determine the validity of Client objections to the transaction or to the information contained in such statements. 16.2 Any notice, request, demand or other communication may be made personally, by Electronic Communication or by prepaid letter to the Client at the Client s last notified address or number, as the case may be, and the notice, request, demand or other communication shall be deemed to have been received by the Client if made personally when made, if made by Electronic Communication when there is confirmation of receipt by whatever means, or if made by prepaid letter on the Business Day following transmittal or posting as the case may be. General 17. Commission disclosure The Client agrees that each of the Licensee and E*TRADE Australia may receive commissions from suppliers of information services, banking services, clearing services and other service providers in respect to the services provided under this agreement to the Client from time to time and that it is entitled to retain such commissions for its own benefit. 18. Information The Client expressly authorises the Licensee and E*TRADE Australia to obtain reports concerning the Client s credit standing and business conduct from credit reference agencies or other sources and authorises the reporting of the Client s standing and business conduct to those agencies. Subject to clause 25, the Client authorises the use and disclosure of information provided by the Client to the Licensee and/ or E*TRADE Australia to the extent required by law or any regulatory authority, to comply with these Terms and in any case where the Client gives consent. 19. Fees & charges The Client agrees to pay to the Licensee on demand all fees, charges and amounts which may have been incurred in consequence of the Client s instructions or by reason of the Client s default under these Terms, the Operating Rules and the Corporations Act, including but not limited to interest on amounts outstanding as determined by the Licensee in its sole discretion or brokerage at the rate of 2% in the event of any late settlements or payment.

20. General lien Subject to the Operating Rules the Client agrees and acknowledges the Licensee s right to exercise a lien over all property within its possession or control or in the possession and control of E*TRADE Australia in the event of non or late payment by the Client. 21. Indemnity and disclaimer The Client agrees to indemnify the Licensee and E*TRADE Australia, their employees, contractors and agents to the maximum extent possible at law in respect of all Loss arising in any way whether directly or indirectly from the Client s conduct, instructions, orders, default or acquiescence and acknowledges that, to the maximum extent permitted by law, the Licensee and E*TRADE Australia accept no liability for any Loss of any kind for any act it lawfully completes or for any loss resulting from delay disadvantage or misinterpretation of instructions or which may arise from the malfunction or disruption of any system or service upon which it relies. 22. Liability and indemnity 22.1 Subject to those provisions of the Competition and Consumer Act 2010 (Cth), the Corporations Act, the Australian Securities & Investments Commission Act and any other rights implied by law, which cannot be excluded by agreement between the parties: a. E*TRADE Australia makes no warranties, either express or implied, as to merchantability, fitness for a particular purpose or otherwise (including as to accuracy, currency, availability, completeness of quality) with respect to the goods and services supplied under these Terms, including the Service and the services provided to the Client by the Service Providers b. E*TRADE Australia excludes all liability in contract, tort (including negligence) or otherwise relating to or resulting from use of the Service and for any Loss incurred by the Client directly or indirectly, including without limitation, as a result of or arising out of: i. any inaccuracy, error or delay in or omission from any information provided to the Client under the Terms including the Service and the service provided to the Client by the Service Providers ii. any delays or failures or inaccuracies in the transmission of the Service to the Client or service provided to the Client by Service Providers, transmission of Client orders or instructions or any other communications iii. any misinterpretation of Client orders or instructions which are unclear, ambiguous, incomplete or not specific iv. any delay, fault, failure in or loss of access to the Service or service provided to the Client by the Service Providers or the Licensee v. government restriction, exchange or market rulings, suspension of trading, computer or telephone failure, unlawful access to the Service or the service provided to the Client by the Service Providers, theft, sabotage, war, earthquakes, strikes, force majeure and without limitation, any other conditions beyond E*TRADE Australia s control c. in no event shall E*TRADE Australia be liable in contract, tort (including negligence) or otherwise, for any loss of prospective profits, or expenses or special, indirect or consequential damages resulting from use of the goods or services supplied under these Terms, including the Service d. E*TRADE Australia s liability shall in any event be limited to: i. in the case of goods, the replacement or repair of the goods, or ii. in the case of services, the re-supply of the services. 22.2 The Client acknowledges that the ASX and Chi-X, other participating exchanges and Service Providers may assert proprietary interests in the information provided to the Client from use of the Service and that neither the ASX and Chi-X, other participating exchanges or the Service Providers guarantee the timeliness, sequence, accuracy or completeness of the information provided to the Client from use of the Service. 22.3 The Client agrees to indemnify and keep indemnified E*TRADE Australia and all of its officers, employees, agents, related parties and associates against any Loss incurred by them as a result of the Client s use of the Service; E*TRADE Australia relying upon and acting in accordance with any notice, demand or instruction contained in an Electronic Communication or otherwise received by E*TRADE Australia on behalf of the Client by the Licensee; or any failure by the Client to strictly comply with these Terms. 22.4 The Client acknowledges that the Cash Account into which funds are placed to enable trading using the Service does not constitute a trust account of E*TRADE Australia and that any deficiency or shortfall of moneys in the Cash Account is unlikely to be the subject of a claim upon the National Guarantee Fund pursuant to Part 7.5 Division 4 of the Corporations Act. 11

23. Severability If any provision of these Terms are held to be invalid, void or unenforceable by reason of any law, rule, administrative order or judicial decision, that determination shall not effect the validity of the remaining provisions of these Terms. 24. Variation and termination 24.1 E*TRADE Australia reserves the right to vary the Terms at any time and may vary the Terms or the terms of the Service by giving the Client not less than five Business Days notice of the variation, in writing or by Electronic Communication. 24.2 E*TRADE Australia may make a variation without prior notice where such variation is necessary to restore or maintain the security of its systems or any accounts. 25. Privacy 25.1 The Licensee and E*TRADE Australia advise that they collect information about the Client in order to act on the Client s behalf, each as the holder of an Australian Financial Services Licence. Without this information they, each as a holder of an Australian Financial Services License, may not be able to act on behalf of the Client, and process and complete any transactions that they effect for the Client. The Licensee and E*TRADE Australia advise they may: a. use and disclose Client information in relation to their internal administration and operations b. disclose Client information to debt collectors, credit reporting agencies, contractors, service providers, parties authorised and/or required by law to collect Client information, and each other as disclosed in the Application or otherwise as disclosed by the Client in writing c. use Client information to maintain their relationship with the Client (and each other as disclosed in the Application or otherwise as disclosed by the Client in writing) and/or d. use Client information for compliance with relevant legislation and regulations. 25.2 The Client may request access to information about the Client that E*TRADE Australia or the Licensee have collected and retained. Access will be granted in accordance with the Privacy Act 1988 (Cth) and they may charge a reasonable fee for such access. If any Client information is inaccurate, the Client may request that it be corrected. 25.3 If the Client is a company, and the Client has provided personal information of an officer or employee of the Client to E*TRADE Australia in respect of the Account, the Client must show this disclosure statement to its officer or employee. 25.4 The Client consents to E*TRADE Australia providing their personal information to: a. any Related Body Corporate of us which may use the information to: carry out our functions and activities, promote our own products and services, assess your application for one of our products or services, manage your product or service, perform administrative and operational tasks (including debt recovery), or comply with regulatory requirements and prudential standards b. an organisation that is in an arrangement with us to jointly offer products and/or has an alliance with us to share information for marketing purposes (and any of our outsourced Service Providers or agents), to enable them or us to: provide you with products or services and/or promote a product or service c. any agent, contractor or Service Provider we engage to carry out or assist our functions and activities (for example, mailing houses or debt collection agencies) d. an organisation that assists us to identify, prevent or investigate fraud, unlawful activity or misconduct e. regulatory or supervisory bodies, government agencies, law enforcement bodies and courts f. other parties we are authorised or required by law or court/tribunal order to disclose information to g. participants in the payments system (including payment organisations and merchants) and other financial institutions (such as banks) h. other credit providers i. mortgage insurers and any reinsurer of any such mortgage insurer j. your guarantors (and intending guarantors) and any person who has provided security for your Loan k. any person who introduces you to us l. your referee(s) m. your employer n. your joint borrower(s) or account holder(s), and o. your Authorised Persons, including your Adviser and Intermediary, your authorised agents, your executor, administrator or trustee in Bankruptcy, your legal representative, your attorney, or anyone acting for you in connection with your account. If you do not want us to tell you about products or services, phone 1800 006 230 to withdraw your consent. 12

We may disclose information to recipients (including Service Providers and our Related Bodies Corporate) which are (1) located outside Australia and/or (2) not established in or do not carry on business in Australia. You can find details about the location of these recipients in our Privacy Policy and etrade.com.au. 26. Complaints The Client has the right to have any complaints in relation to their dealings with E*TRADE Australia as execution and settlement agent or CHESS Participant, considered in a timely manner. If the Client has any complaint about the service provided by E*TRADE Australia, the Client should take the following steps: a. Contact the E*TRADE Australia Team on 1300 658 355 and tell E*TRADE Australia about the complaint. b. If the complaint is not satisfactorily resolved, please forward the complaint in writing to the Complaints Manager at: E*TRADE Australia Reply Paid 1346 ROYAL EXCHANGE NSW 1224 27. Parties to the Agreement The Client, the Licensee and E*TRADE Australia are each parties to the agreement constituted by these Terms and each may enforce any rights it has under these Terms against any other party. 28. Definitions and interpretation 28.1 In these terms and conditions: Account means the Client s trading account with E*TRADE Australia. Application means an offer by the Client to open an Account and access the Service on the Terms. Asgard means Asgard Capital Management Ltd ABN 92 009 279 592. ASX means the ASX Limited, ABN 98 008 624 691. ASX Clear means ASX Clear Pty Ltd ACN 001 314 503. ASX Settlement means ASX Settlement Pty Limited ACN 008 504 532. Authorised Person means a person authorised by you in writing and notified to us, as your representative for the purposes of these terms and conditions. If you want to change an Authorised Person or the scope of their authority you must notify us. The change is effective 20 Business Days after we accept your notification. Each of your Adviser and Intermediary is an Authorised Person. Business Day means any day which is not a weekend or gazetted public holiday in New South Wales. Cash Account means the Client s CASH Account or CASH Connect Account or any other financial institution account acceptable to E*TRADE Australia. CHESS means the Clearing House Electronic Subregister System which is operated by ASX Settlement. Chi-X means Chi-X Australia Pty Ltd ACN 129 584 667. Cleared Funds means funds available in the Cash Account for the purposes of trading (including brokerage, fees, taxes (including goods and services tax), and all other expenses payable) being the sum of funds in the Cash Account plus funds receivable from unsettled sales minus funds needed to pay for unsettled purchases and minus calculated amounts required to meet open purchase orders and minus funds needed to pay for any withdrawals and any uncleared deposits. Cleared Financial Products means the Client s Holding of Financial Products in the Account or Financial Products in respect of which E*TRADE Australia, in its absolute and sole discretion, recognises the Client as the holder. Corporations Act means the Corporations Act 2001 (Cth). Electronic Communication means any notice, instruction, demand or other communication by telephone, facsimile transmission, electronic mail or electronic data interchange (including over the World Wide Web). E*TRADE Australia means ETRADE Australia Securities Ltd (ABN 93 078 174 973, AFSL No. 238277). Financial Products means financial products (as defined in the Corporations Act 2001 (Cth)) traded on the ASX and any other exchange notified to the Client or Licensee by E*TRADE Australia from time to time, interests in an unlisted managed investment scheme, Contracts for Difference and other derivatives which are not traded on the ASX or any other exchange; or any other financial product (as defined in the Corporations Act 2001 (Cth)) notified to the Client or Licensee by E*TRADE Australia from time to time. Operating Rules means the Listing Rules of the ASX, the ASIC Market Integrity Rules, the ASX Settlement Operating Rules, the ASX Clear Operating Rules and the ASX and Chi-X Operating Rules as amended from time to time. Related Body Corporate has the meaning given in the Corporations Act. Services means the services we provide to you under these terms and conditions. Service Provider means each third party service provider whose services we use to provide the Services to you or any person appointed by us to fulfil certain of our obligations under these terms and conditions. 13

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The issuer of this Supplementary Guide is NMMT Limited ABN 42 058 835 573 AFS License No. 234653 WealthView Contact Centre Customer Relations Team GPO Box C113 Perth WA 6839 Telephone: 1800 006 230 23590 04/14

WealthView ewrap Investment IDPS Guide and Financial Services Guide Effective date: 21 October 2013

Important information An investment in the investment options offered through WealthView is subject to investment risk, including possible delays in the payment of withdrawals in some circumstances and loss of income and capital invested. Neither NMMT, any other member of the AMP group, Asgard, nor the investment managers, fund managers or any member of the Westpac Group, guarantees the repayment of capital, payment of income or the performance of the investment options. Apart from any interest investors may hold or have held through their ecash or CASH Connect accounts or in any securities or deposit products issued by any member of the Westpac Group and acquired using WealthView ewrap Investment, an investment in or acquired using WealthView ewrap Investment is not a deposit with or liability of any member of the Westpac Group. The provision of the investments available through the WealthView ewrap Investment or any other investment information, examples or statements in this Investor Directed Portfolio Services (IDPS) Guide should not be taken as the giving of financial product advice by us. The information provided in this Guide is general information only. It does not take into account your investment objectives, financial position or needs. Before acting on the information, you should consider the appropriateness of the information having regard to your personal circumstances, financial situation or needs. About this document This Guide is issued by NMMT, a member of the AMP group. Neither Asgard, nor any other member of the Westpac Group makes any statement in this PDS and has not authorised or caused the issue of it. A copy of the Cash Account Product Disclosure Statement (PDS), which sets out the features, costs and terms and conditions applying to the Cash Account options (ecash and CASH Connect), should be read in conjunction with this Guide. An Available Product List of investment options can be accessed by your financial adviser through AdviserNET (our financial adviser website) or a printed copy can be obtained free of charge by calling the Contact Centre on 1800 006 230. Before you make a decision to invest in the investment options offered through WealthView ewrap Investment, you should also read the relevant disclosure documents for your chosen investments (where applicable). Your financial adviser has access to the up to date versions of the disclosure documents or a printed copy can be obtained free of charge by calling the Contact Centre on 1800 006 230. Operator and Service Provider NMMT Limited, Australian Business Number (ABN) 42 058 835 573 Australian Financial Services (AFS) Licence No. 234653 (NMMT), a subsidiary of AMP Limited ABN 49 079 354 519 (AMP). The registered office of NMMT Limited is 33 Alfred Street, SYDNEY NSW 2000. Administrator and custodian Asgard Capital Management Limited (Asgard), ABN 92 009 279 592, AFSL No. 240695. Asgard is a subsidiary of Westpac Banking Corporation, ABN 33 007 457 141, AFSL No. 233714. Cash Account issuer St. George Bank, a division of Westpac Banking Corporation, ABN 33 007 457 141 Related parties These related parties are responsible entities of one or more managed investment schemes that are available through WealthView ewrap Investment: AMP Capital Investors Limited, ABN 59 001 777 591 AFSL No. 232497 (AMP Capital) National Mutual Funds Management Ltd ABN 32 006 787 720 AFSL No. 234652 (NMFM) ipac Asset Management Limited ABN 22 003 257 225 AFSL No. 234655 (ipac) AMP Capital, NMFM and ipac are also subsidiaries of AMP. Distributor The main distributor of WealthView is AMP Financial Planning Pty Ltd ABN 89 051 208 327 AFSL No. 232706 (AMP FP). Changes to this document Information in the Guide may change from time to time. If the change is not materially adverse it may be updated on investoronline.info. A printed copy can be obtained free of charge by calling the Contact Centre on 1800 006 230. If we make an increase to fees (other than by indexation) we will give you written notice 30 days prior. Throughout this document References to: Investor or you Account Account balance Guide Financial adviser AMP group Cash Account Our, we or us Westpac Group To be read as: A client of WealthView ewrap Investment, including any person you authorise to act on your behalf. A WealthView ewrap Investment account. The value of the underlying investments held by the Operator on behalf of the investor. This IDPS Guide and Financial Services Guide. A financial adviser holding an AFS Licence or acting as an authorised representative of a licensee. AMP and its subsidiary companies, including NMMT. Your selection of either the ecash Account or CASH Connect Account. NMMT as the Service Provider and Operator or Asgard as the administrator and custodian acting solely in its capacity as agent of the Service Provider and Operator, as the context requires. Westpac and any of its divisions or related bodies corporate Simply look for this symbol for online information This IDPS Guide and Financial Services Guide is effective from 21 October 2013.

Contents At a glance 2 Welcome to WealthView ewrap Investment 4 Getting started 6 Managing your investments 8 The risks of investing 16 Tax features 17 Fees and other costs 19 Keeping you up to date 25 Other things you need to know 27 Financial Services Guide 31 CHESS sponsorship terms and conditions 32 Online share trading terms and conditions with E*TRADE 35 Direct debit request service agreement 42

At a glance Your quick and easy guide to the key features of WealthView ewrap Investment General features Who can invest? Managed investments and shares minimum balance Generally: anyone 18 years of age or above companies trusts, or self-managed superannuation funds. There s no minimum balance for this account. However, a minimum daily administration fee applies to accounts with a balance of less than $100,000. (i) Minimum Cash Account balance $1,000 Investment options Cash Managed investments Shares Fixed term deposits Exchange Traded Funds Margin lending Available Managed investments Available managed investments Choose from more than 250 managed investments Minimum buy or sell $100 for each managed investment Minimum regular buy or sell $100 for each managed investment (monthly or quarterly) Shares Available shares Share account types Minimum buy or sell Fees (i)(ii) Establishment fee Administration fee (iii) Calculated based on your account balance, excluding amounts in your Cash Account. All CHESS-approved ASX-listed securities Custodial (held in Asgard s name) or Sponsored (held in your name) No minimum, although broker restrictions may apply Negotiated with your financial adviser Amount invested Fee managed investments only (% pa) (iv) Fee shares only (% pa) (v) First $100,000 1.1275 1.2100 Next $150,000 0.6150 0.6600 Next $500,000 0.2050 0.2200 Next $2,250,000 0.1025 0.1100 Over $3,000,000 Nil Nil Minimum daily administration fee applies to account balances (excluding Cash Account) of less than $100,000. $3.08 $3.31 2

Fees (continued) Investment fees Brokerage Share settlement fee (v) Custodial share account fee Adviser remuneration Keeping you up to date Electronic reporting Paper reporting Investor Online 0.00% pa to 4.04% pa depending on the investment options you choose. May include performance fees. Determined by the broker. $22.00 included in brokerage for trades placed through E*TRADE $300 each year, payable monthly. This fee applies from the day your Custodial share account is set up, even if you don t hold any shares. It does not apply to Sponsored share accounts. For the first month, this fee is calculated based on a pro rata basis. Negotiated with your adviser Quarterly and annual PAYG statements Annual Investor Report Annual Tax Report Tax invoices (available on request) You can access detailed information about your account online at investoronline.info 24 hours a day, seven days a week Additional reporting Your adviser has access to additional tailored reports and account information. Speak to your adviser if you would like more information on your account. Contact Centre Telephone: 1800 006 230 Email: wealthview.ewrap@asgard.com.au Address: GPO Box C113 PERTH WA 6839 (i) Refer to pages 19 to 24 for further details of fees and costs that may apply. (ii) Unless otherwise stated, all fees shown include GST and are net of any reduced input tax credit (RITC). (iii) Note: If you hold both managed investments and shares through your account, the actual effective percentage administration fee charged will range between the percentages shown in the two columns depending on the respective values of the managed investments and shares that you hold. See the worked example on page 24. (iv) A reduced input tax credit (RITC) of 7.5% can be claimed for the part of our administration fee applying to managed investments, resulting in a net GST recovery of only 2.5% and a lower administration fee. See page 22 of this Guide for further details. (v) Includes full GST of 10%. No RITC applies. 3

Welcome to WealthView ewrap Investment WealthView ewrap Investment gives you the freedom and flexibility to invest in a diverse range of options, while managing all your investments from a single online wrap account. Along with streamlined administration, you ll benefit from extensive online reporting, giving you and your financial adviser more visibility and control of your investments. Investment choice, expertise and flexibility With WealthView ewrap Investment, you ll have access to an extensive range of investment opportunities and the expertise of experienced investment managers. You can choose from managed investments, ASX-listed securities, exchange-traded funds (ETFs), term deposits and cash, creating a personalised portfolio tailored to your individual objectives. See Choosing your options on page 6. You ll also enjoy the flexibility to change your investment mix at any time, in response to market movements or your evolving needs. Features to make investing easy Choice of Cash Account The Cash Account is at the centre of your WealthView ewrap Investment account, providing a convenient transactional hub so you can quickly respond to market movements or new opportunities. You can choose from an online account with a higher rate and no transaction fees, or a cash management account with a greater range of features, including a cheque book, branch access and optional Visa debit card. For more information see the Cash Account PDS, which accompanies this Guide. Wholesale prices Enjoy access to a range of wholesale managed investments that are typically not available directly to retail investors. These investments generally have lower investment fees than retail funds. Regular investing From as little as $100 per month, you can set up a regular buy facility for managed investments that can help you reach your investment goals sooner. You choose how much you want to invest into one or more managed investments and how often you want to invest (monthly or quarterly). See Regular buy on page 9 for details. Asset transfers If you already hold managed investments or shares, you can transfer them to your WealthView ewrap Investment account, provided they are on our Available Products list. Generally, you can transfer managed investments and shares without a change in beneficial ownership. Depending on your circumstances, this may mean you won t have to pay capital gains tax when you transfer. Once the assets are in your account, they will be reported with the other investments in your portfolio, helping you manage all your investments from a single location. See Transferring managed investments into your account on page 9 and Transferring shares into your account on page 13 for details. Tax management With WealthView ewrap Investment, you have more control over the capital gain or loss when selling your investments, by nominating the specific tax parcels of managed investments to sell and choosing the tax parcel selection method for shares. This means you and your financial adviser can better manage your capital gains tax position. See Capital gains tax and tax management on page 17 for details. Consolidated reporting for all your investments The WealthView ewrap Investment account consolidates all transaction reporting from various investment managers and listed entities giving you and your financial adviser continuous, online access to account information. See Keeping you up to date on page 25 for details. Margin lending The ewrap Margin Lending facility enables you to borrow money to invest in managed investments and shares through your account. Margin lending enables you to invest more than would be possible using only your own funds and with more to invest, you have the potential for greater returns. But while margin lending can multiply your profits when you invest successfully, it can also multiply your losses when your investments fall, so it needs to be managed carefully. For more information on margin lending, see Margin lending on page 15. 4

How WealthView ewrap Investment works With an extensive menu to choose from, your WealthView ewrap Investment account makes it easy to manage your investments. How it works at a glance You Your financial adviser Cash Account Managed investments and fixed term deposits Shares Your financial adviser Your financial adviser will help you set up and manage your WealthView ewrap Investment account, bringing your strategy to life. To open a WealthView ewrap Investment account, you need a financial adviser. Your financial adviser has access to up-to-date information and can give you further details on the underlying investments available through your account. They can also help you to: maximise your investments, making the most of strategies available to you invest tax-effectively determine the right investment mix to make your money work harder for you select the investments and products most suitable for your needs and personal circumstances. Your financial adviser buys and sells shares and units in managed investments on your behalf. You cannot trade directly on your account. For information on the level of authority you may give to your adviser, see page 6. If you change your financial adviser, you must tell us immediately. If you decide to no longer use a financial adviser, your account will have to be closed. 5

Getting started Getting started with WealthView ewrap Investment is easy. Your financial adviser can guide you through the process and create a diversified portfolio of investments designed to help you reach your goals sooner. Before you start This Guide includes important information about WealthView ewrap Investment. Please read it carefully and seek advice from your financial adviser to decide if this product is right for you. Applying for WealthView ewrap Investment Your financial adviser will help you apply for WealthView ewrap Investment. To open a WealthView ewrap Investment account please provide: a completed application proof of your identity. Your financial adviser can submit your application electronically on AdviserNET, or help you complete the application booklet accompanying this Guide and send it to us. Proving your identity To comply with the Anti-Money Laundering and Counter- Terrorism Financing Act, you ll need to provide identification information and verification documents before your account can be set up. Your financial adviser can tell you which documents are needed. For more information see Verifying your identity on page 27. Choosing your options As part of the application process, your financial adviser will also help you to: choose your Cash Account option (see the Cash Account PDS) choose your investment options from our Available Products list and set up your account for share trading if required: nominate a Custodial or Sponsored share account (see page 11) decide whether to reinvest your dividends (if you invest in shares). determine whether you want to apply for an ewrap Margin Lending facility (see page 15) decide on the level of authority they ll have to operate your account negotiate the fees they ll receive for opening and servicing your account. Setting your adviser s level of authority You decide how much authority your financial adviser has to send us instructions for your WealthView ewrap Investment account. There are two levels of authority: Investor directed authority you must authorise each transaction or account change instruction in writing before your financial adviser electronically submits it to us. Authority to operate allows your financial adviser to electronically submit investment instructions to us and amend your WealthView ewrap Investment account details on your behalf, without prior authorisation from you, with some exceptions (listed below). Exceptions to the authority to operate Unless we advise you otherwise, the authority to operate allows your financial adviser to submit all instructions on your behalf except instructions: to change the name of your account to transfer funds out of your Cash Account to fund a payment request to change your nominated and external linked accounts to change your name or address on any shares held in your account to apply for a share trading account in relation to any other matters outlined in this document that may require your personal instructions. You can elect to give your adviser authority to initiate oneoff or regular cash transfers from your Cash Account to your nominated account, external linked accounts, or any other Cash Accounts held under your client number using AdviserNET. However, your financial adviser can t withdraw funds from your Cash Account without your written authorisation. For more information, see Authority to transfer cash in the Guide to completing the WealthView ewrap Investment application in the application booklet. If you change your financial adviser or cancel your financial adviser s authority to operate, you must tell us immediately. If you change your financial adviser and do not inform us, we will continue to act on your existing authority to operate. 6

Confirming that your new account is open When we receive your application and set up your account, we ll send you: A Welcome Letter confirming your account details A Personal Identification Number (PIN) to access Investor Online. To keep your PIN safe, we ll send it separately to your Welcome Letter. You ll also receive a Welcome Letter from St. George, the provider of your Cash Account, with your phone and internet banking access number and instructions for setting up your password, plus a separate letter with your phone and internet banking security number. If there are two or more account holders on your CASH Connect Accounts where the method of operation is specified as two to sign, St. George will not issue a Welcome Letter as card access and phone and internet banking are not available. Activating your Cash Account Before you can start investing, you need to activate your Cash Account by accepting the terms and conditions. Here s how to activate your Cash Account: If you ve chosen a CASH Connect Account ecash Account You need to Accept the terms and conditions on the Cash Account application form, and send it to us. Your financial adviser can help with this. Accept the terms and conditions: on the Cash Account application form and send it to us, or log on to Investor Online and accept the terms and conditions once you ve received your Welcome Letter and PIN. Once there are sufficient cleared funds in your Cash Account, we ll purchase investments for you in line with the investment instructions your adviser lodges electronically on AdviserNET. We ll also deduct any fees that are due. The Cash Account PDS explains how to deposit to your Cash Account and how long it takes for funds to clear. 7

Managing your investments 8 Invest in a wide range of managed investments and listed securities to create a personalised Portfolio tailored to your goals with the flexibility to change your investment profile as your needs or investment markets change. Your Cash Account When you open a WealthView ewrap Investment account, we set up a Cash Account for you. You can choose an ecash Account or CASH Connect Account held by St. George see the Cash Account PDS for details. Your Cash Account is at the centre of your WealthView ewrap Investment account, used to receive deposits and used to settle all purchases and sales of managed investments and shares. Any funds to be deposited are automatically credited to your Cash Account. Funds will remain in your Cash Account: until we receive investment instructions from your financial adviser until we deduct fees and other costs unless you have elected to automatically invest excess cash, in line with your instructions (see Put your cash to work on page 9) unless you and your financial adviser elected to automatically rebalance your managed investments, including cash (see Rebalancing your account on page 15). All fees, government charges and taxes are paid from your Cash Account. Similarly, any income distributions and dividends for Custodial share accounts are paid directly to your Cash Account. If you have a Sponsored share account, you can direct share registries to pay dividends to this account. See Share dividends on page 12 for details. Interest on your Cash Account is calculated on the daily closing balance, and credited to your Cash Account each month. The interest rate is variable and may change at any time. You can check the current Cash Account interest rates on Investor Online or with your financial adviser. Maintaining a minimum balance in your Cash Account You need to maintain a minimum balance of $1,000 in your Cash Account to cover fees and other costs. You can monitor your Cash Account balance by regularly checking the details of your account on Investor Online. When your Cash Account balance is close to or less than the minimum, you may wish to deposit additional funds into your account. You can also instruct your financial adviser to sell specific managed investments or shares. The sale proceeds will be paid into your Cash Account. If there s not enough money in your Cash Account to fund a withdrawal or investment instruction, we may sell your managed investments to top up your account using either the Priority Sell Method or the Default Sell Method. Priority Sell Method You can give us a standing Priority Sell instruction for your managed investments, telling us the order in which you would like your managed investments to be sold to top up your Cash Account balance. Example John s Cash Account balance is currently $100. A fee of $200 is about to be deducted from John s account. We need to sell managed investments to the value of $1,100 to restore his Cash Account balance to the minimum $1,000 required and to fund the outstanding fee of $200. John has set up a Priority Sell instruction to sell managed investment A, followed by managed investment B. Managed investment A has a value of $800 and managed investment B has a value of $500. To restore the Cash Account balance, we ll sell all of managed investment A ($800) and some of managed investment B ($300). Default Sell Method If you haven t set up a Priority Sell instruction, or if the net value of the managed investments you nominated under the Priority Sell instruction is insufficient, we ll use the Default Sell Method. The Default Sell Method is when we try to sell your managed investments in proportion to their estimated current value, subject to price and market changes that may occur during the selling process. If we have sold all your managed investments and your Cash Account balance is still less than the required level, we will sell your shares, starting with the shareholding of the highest value, until we have released enough cash. Example The balance in Penny s Cash Account is $200. A fee of $300 is about to be deducted from Penny s account. We need to sell managed investments to the value of $1,100 to restore her Cash Account balance to the minimum $1,000 required and to fund the outstanding fee of $300. 80% of Penny s account value is in managed investment A and 20% in managed investment B. There s no Priority Sell instruction in place. Using the Default Sell Method, we ll sell from each managed investment proportionately as follows: Managed investment A: 80% of $1,100 = $880 Managed investment B: 20% of $1,100 = $220 Total: $1,100

Put your cash to work To help you manage your Cash Account balance, you can select a minimum or maximum target balance (or both). This can be either a dollar amount or a percentage of your portfolio s value. Each month we ll check to see if your balance exceeds the maximum you set. If it does, we ll automatically invest the excess cash according to your instructions. Your financial adviser can set up and maintain this service for you on AdviserNET. Managed investments With WealthView ewrap Investment you ll have more than 250 managed investments to choose from, often at wholesale prices not generally available to direct retail investors. Before you instruct your financial adviser to buy managed investments, you must receive a PDS for the managed investments in which you re investing. These are available from your financial adviser or from Investor Online. We do not consider or take labour standards or environmental, social or ethical considerations into account in making available the underlying investments. You can find out more about each option s investment policies by reading the PDS or other disclosure documents for that investment. Download the latest version of your investment option s PDS from Investor Online. Buying managed investments We can only accept investment instructions sent to us electronically by your financial adviser using AdviserNET. Your investment instructions will generally be placed with the investment manager on the following business day (a week day on which banks and the ASX are open for business in Sydney). The minimum amount for each buy instruction is $100 per managed investment. This applies to both one-off buys and regular buys. When you buy managed investments, we fund the purchase with money from your Cash Account. If you instruct us to buy a managed investment and there s a pending transaction in place, such as a previous purchase or sale request, we won t place the investment instruction with the investment manager until the pending transaction has cleared. Regular buy Your financial adviser can arrange a regular buy for a specified dollar amount of one or more managed investments held through your account. We ll fund regular buys through your Cash Account. Your financial adviser will help you nominate the: amount start date frequency optional end date. The regular buy instruction will be sent to the investment manager on the nominated date (or the next business day if it falls on a non-business day). If there are insufficient funds in your Cash Account at the time the regular buy is to occur, the regular buy instruction will fail and your financial adviser will be notified. You will also be notified of a regular buy instruction failure when you log on to Investor Online and view the Account Actions menu. AdviserNET will initiate the regular buy instruction again on the next nominated date for the original nominated amount. You can change or cancel your regular buy instruction at any time simply contact your financial adviser. When you set up your regular buy instruction, you acknowledge and agree that your future investments will be made even though you may not have received the latest PDS for that investment, or information about material changes or significant events that may affect that investment. This includes information that the responsible entity of the investment is required to give you directly, unless exceptions apply. Download the latest version of your investment option s PDS from Investor Online. Funding managed investment purchases When you buy managed investments, we fund the purchase with money from your Cash Account. You ll need to make sure there is enough money in this account to fund your purchase instruction. Insufficient funds If you don t have enough money in your Cash Account, we ll keep checking each day until the expiry date of your purchase instruction. If the funds become available before the expiry date we ll automatically place your instructions with the investment manager. The default expiry date is 28 days after you place the instruction, but your financial adviser can reduce it to zero, or increase it to a maximum of 56 days. We record instructions to buy managed investments in date order. If you have a number of outstanding instructions, we ll start with the oldest transactions first, then process them in descending order by size (largest transaction first) as sufficient cash becomes available in your Cash Account. That means they won t necessarily be processed in the order in which they were placed. You can monitor the progress of your managed investment buy instructions from the Account Actions menu on Investor Online. Transferring managed investments into your account If you already hold managed investments, you can transfer them to your WealthView ewrap Investment account. To transfer your existing managed investments, they must be held with another IDPS provider and on our Available Products list. Since there is no change in beneficial ownership when you transfer managed investments to your account, you generally won t incur capital gains tax. However, this may depend on your particular circumstances so you should seek tax advice before deciding whether to transfer investments. 9

Once your managed investments have been transferred to your account, we ll report on them along with the other investments in your portfolio. For more information on how to transfer investments, please contact us or speak to your financial adviser. Selling managed investments The minimum sell amount is $100 for each managed investment. If the sell amount is 95% or more of the value of your entire holding in a managed investment, we ll sell your entire holding in that managed investment and credit your Cash Account. Your financial adviser sends sell instructions on AdviserNET. The time it takes for an investment manager to process a sell instruction for a managed investment can vary. Generally, sales are processed within seven business days unless suspended for any reason. Read the PDS for the investment you are selling for details of withdrawal restrictions. When we receive the proceeds from the investment manager, we ll credit those funds into your Cash Account. If you instruct us to sell a managed investment and there s a pending transaction in place (such as a previous purchase or sale request), we won t place the investment instruction with the investment manager until the pending transaction has cleared. Regular sell You can also ask your financial adviser to arrange a regular sale of a specified dollar amount from one or more of the managed investments you hold. Your financial adviser will help you nominate the: amount start date frequency monthly or quarterly optional end date. We ll send the sell instruction to the investment manager on the nominated date (or the next business day if it falls on a non-business day). If the specified sell amount is 95% or more of the value of your entire holding in a managed investment, we ll sell your entire holding in that managed investment. When we receive the proceeds from the investment manager, we ll credit those funds to your Cash Account. You can change or cancel your regular sell instruction at any time simply contact your financial adviser. Switching You can switch between investment options at any time. Buy and sell instructions can be submitted on the same day, however please note that if there is insufficient cash in the Cash Account to cover the purchase we will wait for the proceeds from the sell instruction, or another deposit amount, to be received before we submit the buy. The entire purchase amount will need to be available in the Cash Account before we act on the buy instruction. Buying and selling on the same day significantly reduces the time taken to complete your switch and gives you greater exposure to investment markets. You should note that some managed investment funds may take an extended timeframe to pay sales proceeds. Refer to underlying fund managers disclosure documents for further information relating to withdrawal timeframes. If you nominate to sell part of your holdings in any managed investment fund (via a partial withdrawal request or as part of a regular sell instruction) and the sale amount exceeds 95% of the current asset value, a full sale of the asset will be performed. Valuations The managed investments in your account are generally valued daily, based on valuations provided by investment managers. Refer to the PDSs for the investments you ve chosen for details on unit pricing. To see the most current valuations on your account portfolio, see the Valuation page on Investor Online. Income distributions Income distributions from managed investments are credited to your Cash Account. You can either keep your distributions as cash, or instruct us to buy more units in that particular managed investment. However, you cannot take part in any distribution reinvestment plan offered by investment managers. Your financial adviser can set up and change your income distribution option using AdviserNET. How distributions affect your account Investment managers generally make a distribution of fund income to investors after the end of the 31 December, 31 March and 30 September quarters. After the end of the financial year (30 June), you will generally receive a distribution of both fund income and capital gains. Before you receive your distribution, you may notice a drop in the value of your managed investments. The size of the drop is generally related to the size of the distribution once we have received the distribution from the investment managers and passed it on to you, your Cash Account will generally return to a similar level (provided there have been no significant changes in asset values in the meantime). Information from investment managers Managed investments are held in Asgard s name as custodian for you. You retain beneficial ownership of the investments you buy, but because you are not the legal owner, you won t be able to exercise any unit holder rights, such as the right to attend meetings, the right to vote and the right to participate in any corporate actions. Before exercising any of these rights in relation to your investments, we will ask for your instructions first. 10

You also won t receive any of the communications (such as newsletters and investment reports) that you would receive if you held these managed investments directly. If you would like to receive copies of these documents, you can request them by writing to the Contact Centre. Shares Your WealthView ewrap Investment account gives you the ability to invest in a broad range of listed Australian companies and property trusts, with access to all shares listed on the ASX. To buy or sell shares, your financial adviser places orders through your chosen broker, who then places the order with the ASX. The costs or proceeds of share trades are settled through your Cash Account. We don t set any minimum buy amount for share purchases, but broker limits and market rules may apply. You can sell your shares at any time. It generally takes three business days after a trade is made for it to settle. While shares can offer the potential for higher investment returns, they can also be more volatile than other investment options. So make sure you discuss your needs and situation with your financial adviser before you decide to buy shares. Setting up your account for share trading To trade shares through your WealthView ewrap Investment account, your financial adviser will help you to: 1. Nominate share trading on your application or account amendment. 2. Choose a Custodial or Sponsored share account (see Types of share accounts on page 11). Key features of sponsored and custodial share accounts 3. Request a Holder Identification Number (HIN) to be generated or transferred to your account (see Your Holder Identification Number on page 12). 4. Make a dividend election (see Share dividends on page 12). 5. Choose the tax parcel selection method that is to be applied to capital gains tax reporting on shares in your account (see Capital gains tax and tax management on page 17). 6. Set up a trading account with E*TRADE, or one of our other approved brokers (see Choice of broker on page 12). Types of share accounts When you set up your WealthView ewrap Investment for share trading, you can choose a: Sponsored share account shares are held in your name. You are the legal and beneficial owner, and will receive and manage share registry communications and corporate actions. Sponsored share accounts are available to all investors. Custodial share account shares are held in Asgard s name, as custodian for you, in the same way managed investments are held on your behalf. As custodian, Asgard holds legal title to your shares, but you are the beneficial owner. Communications about corporate actions will not be received from the share registries as the shares are held in Asgard s name. This arrangement works to reduce paperwork for you and your financial adviser. The Custodial share account isn t available to all investors. See below for eligibility criteria. Who is eligible? Who is excluded? Share ownership Share registry communications Participating in corporate actions See Corporate actions on page 14 for more information Voting rights and loyalty programs Custodial share account fee See Fees and other costs on page 19 for more information Custodial share accounts An Australian resident (i) Investors with an ewrap Margin Loan facility, and Investors who have supplied a valid tax file number (TFN) or exemption reason Non-residents of Australia Investors with an external margin lending arrangement linked to this account (under a nominee arrangement) (ii) Investors who haven t supplied a valid TFN Shares held in Asgard s name, as custodian of your account. Asgard is the legal owner of the shares, but you retain beneficial ownership of these shares. Sent to Asgard. Generally, you ll be able to participate in most corporate actions, except shareholder rights, including voting and general meetings. As legal owner of the shares, Asgard has voting rights. Generally, Asgard won t seek instructions from you when voting. You aren t entitled to any additional benefits, such as shareholder discount cards, that are associated with the shares. Asgard charges $300 (ii) per annum for administering your Custodial share account. This fee applies from the day the share account is opened even if you don t hold any shares. Sponsored share accounts All investors Not applicable Shares are held in your name. You hold both beneficial and legal ownership of these shares. Sent to you. You are responsible for responding to these communications. You are entitled to participate in all corporate actions, but you ll need to notify the share registries directly of your intention to participate in corporate actions. You have voting rights and access to loyalty programs associated with the shares. Not applicable. (i) You cannot continue to use a Custodial share account if you are not an Australian resident for taxation purposes. If you have a Custodial share account set up and your residency status (for taxation purposes) changes, you must notify us immediately. In this event, we reserve the right to sell any shares in your Custodial share account and then close it. We may also decide not to accept any instructions from your financial adviser to buy managed investments. (ii) Including GST and net of RITC, where available. 11

Your Holder Identification Number Before you can trade shares, your account must have a Holder Identification Number (HIN). Your HIN is used to identify the legal owner of the shares in your account and to register your account details on an electronic shares sub-register system (CHESS). Your HIN is unique to your account and you can only have one HIN per account. Depending on whether you have a Sponsored or Custodial share account, different rules apply: Sponsored share account Custodial share account Transfer an existing HIN to your account. Your existing HIN must be in the same name and have the same address as your WealthView ewrap Investment account, or Ask for a new HIN. Before we can create a new HIN for you, you need to activate your account. You will be given a new HIN for your share account you can t transfer an existing HIN. Switching between Custodial and Sponsored share accounts You can switch between Custodial and Sponsored share accounts at any time. Your financial adviser can send this instruction for you on AdviserNET. When switching between Custodial and Sponsored share accounts, details regarding your shareholdings (for example, your TFN or instructions for the payment of dividends) will not be retained and will need to be resubmitted by you to the share registries (under the Sponsored share account) or to us (under the Custodial share account). You ll also be given a new HIN when you switch, and your shares will be transferred to this HIN, where allowed. Share dividends Generally, you can choose whether to reinvest dividends you receive from your shares in a Dividend Reinvestment Plan (DRP), if one is available, or have them paid to you. The type of share account you choose affects how you can receive your dividends: Sponsored share account Custodial share account You can choose how to receive dividends for each individual shareholding. The share registry for each shareholding will send you a form asking for your dividend nomination. You can simply fill in each form and return it to them. If you choose to receive dividends as cash, you can have them paid by cheque, to your Cash Account, or to another bank account. If you choose to pay dividends to another bank account, we can t verify whether you have received them. This means we can only provide a notional report on these dividend payments. Your dividend nomination applies across all shares held in your account. If you choose to participate in DRPs, we ll apply your decision to all of your share holdings, wherever a DRP is available. You can t choose to receive dividends as cash for one shareholding while participating in a DRP for another. If a DRP is not available for a particular shareholding, or there is a residual cash portion on your DRP, the dividend will be paid as cash and deposited in your Cash Account. If you choose to receive your dividends as cash, any cash dividends you receive must be paid into your Cash Account. You cannot choose a bank account other than your Cash Account for dividends to be paid into. Generally, it takes around 13 business days to apply a dividend instruction (three business days for us to send your instruction to the relevant share registry, and around 10 business days for them to process this instruction). So allow plenty of time when setting or changing your instruction to make sure your distributions can be processed as you wish. Choice of broker To buy or sell shares, your financial adviser places orders with a broker who executes the trades on your behalf. Before you can trade, you ll need an account with Asgard s default broker E*TRADE, or with another broker on our approved brokers list. Asgard appoints the brokers on this list (known as panel brokers), and the list may change occasionally. To set up an account with E*TRADE, simply nominate them on your application, or ask your adviser. You ll need to indicate whether you wish to receive E*TRADE trade confirmations via email or post. If you have a Sponsored share account, you ll also need to complete the E*TRADE online share trading application and send it directly to E*TRADE. When you set up your account for trading, you give your financial adviser the authority to send instructions to a panel broker on your behalf. This means that you re responsible for any order your adviser places for you, including any that are incorrect. Also, if you choose a panel broker other than E*TRADE, you re responsible for telling them about any changes to your share trading account, such as your registered details or a new HIN. 12

CHESS sponsorship Your share trades take place electronically through the ASX, with ownership recorded on an electronic shares sub-register system, CHESS. Asgard s settlement agent is currently E*TRADE. If you choose a Sponsored share account, you agree that Asgard can act as your CHESS sponsor, and that Asgard can appoint another CHESS Participant to provide settlement services. You can terminate Asgard s sponsorship of your shares at any time but if you do, you ll no longer be able to hold shares in the Sponsored share account through your WealthView ewrap Investment account. The CHESS sponsorship terms and conditions on page 32 set out your rights and obligations as part of Asgard s sponsorship of your CHESS holdings, particularly your obligations to pay Asgard for the shares you buy and to pay for brokerage and other trading fees. It s important to read these terms and conditions carefully. If you need help or would like a copy of your CHESS sponsorship agreement, you can call the Contact Centre at any time on 1800 006 230 or speak to your financial adviser. Funding share purchases When you buy shares through your account, you re responsible for paying the purchase prices and share trading fees (such as brokerage). To cover these costs, you ll need to make sure you have enough money in your Cash Account or in pending proceeds from unsettled share trades you ve previously placed, or both. Insufficient funds If there is insufficient funds available and you fail (after a demand has been made) to pay the amount due in respect of the trade, your trade will not be settled. Asgard, or the panel broker, may take the following action to enable settlement of the trade: sell or transfer on your behalf any of the shares referred to in the trade confirmation, and/or sell or transfer any other shares held in your account, or any of your assets in our control or possession. You may also be liable for failed settlement fees charged by the panel broker and settlement agent. You ll be invoiced directly for these fees, or alternatively they will be deducted from your Cash Account by Asgard s settlement agent. You agree to indemnify Asgard and their settlement agent against all costs, expenses and losses incurred, including brokerage stamp duty and administration fees (in accordance with market rules) resulting from your failure to settle by the due date. Cash Pledging Funds in your Cash Account that are required to settle share purchases will have a pledge placed on them by Asgard s settlement agent. This is in order to hold the funds in your Cash Account until the time of settlement. Whilst the pledge is in place, the funds will be included in your total Cash Account balance, but you will not have access to them. At settlement, Asgard s settlement agent will remove the pledge and withdraw these funds from your Cash Account to settle the purchase. Transferring shares into your account If you already hold shares, you can transfer them into your WealthView ewrap Investment account. To transfer your existing shares, they must be held with a broker, another IDPS provider, or issuer sponsored. Since there is no change in beneficial ownership when you transfer shares to your account, you won t incur any capital gains tax. You can transfer shares individually to your account, under the HIN for your WealthView ewrap Investment share account (if you don t have a HIN set up, we ll ask CHESS to do this for you). If you have a Sponsored share account, you ll have to resubmit your details, like your TFN or dividend instructions, to the relevant share registries. Alternatively, Sponsored share account holders have the option to move all the shares associated with an existing HIN to your account in a single transfer. If you do this, any details lodged with CHESS will be retained. If your shares are issuer sponsored, you ll have a Shareholder Reference Number (SRN) for every issuer, instead of a single HIN. For more information on how to transfer shares, please contact us or speak to your financial adviser. Selling shares We don t place a limit on the minimum sell amount for shares, but broker limits and market rules may apply. To sell shares, your financial adviser sends your sell instruction to the broker, who will place your trade with the ASX. The broker will send you a confirmation once the trade is made. It generally takes three business days after a trade is made for it to settle. Asgard s settlement agent will deposit the net proceeds in your Cash Account, after deducting brokerage and any other settlement fees, if they apply. Insufficient shares You are responsible for any sell placed by your financial adviser and you must ensure that you hold the required number of shares. If you don t have sufficient shares in your account and you fail (after a demand has been made) to deliver the number of shares needed to settle the trade, your trade will not be settled. Asgard or the panel broker may buy on your behalf the additional shares required to complete settlement of the trade. In this event, the purchase cost and associated fees and charges will be deducted from your Cash Account. You may also be liable for failed settlement fees charged by the panel broker and settlement agent. You may be invoiced directly for these fees, or alternatively they may be deducted from your Cash Account by Asgard s settlement agent. 13

You agree to indemnify Asgard and their settlement agent against all costs, expenses and losses incurred, including brokerage, stamp duty and administration fees (in accordance with market rules), resulting from your failure to settle by the due date. Valuations Share investments are valued daily for reporting and tax purposes, using the ASX closing price data from the previous day. Corporate actions Corporate actions are events that affect your share holdings, including bonus issues, rights issues, distributions, buy backs, takeovers and call payments. Corporate actions can be: Voluntary. Actions where investors have one or more options, allowing each investor to choose the option they believe is best suited to their personal circumstances. Mandatory. Actions that simply happen, with no choices available. Participating in corporate actions Your ability to participate in corporate actions depends on the type of share trading account you have: What types of corporate actions can I participate in? Who receives correspondence about corporate actions? How do I lodge an election for a corporate action? When do corporate action elections need to be made by? How are corporate actions funded? How do I receive proceeds from corporate actions? Custodial share account Generally, you ll be able to participate in most corporate actions through your financial adviser, except shareholder rights, including voting and general meetings. In some cases, Asgard may not allow you to participate in corporate actions. Asgard will generally do this if there isn t enough time to lodge your elections with share registries, or if Asgard can t reasonably administer the corporate action. Asgard do. No corporate action notices will be sent to you, but Asgard will notify your financial adviser of these events. Asgard participates in corporate actions on your behalf. When Asgard gives you the ability to make an election, your financial adviser will submit it to Asgard electronically. This means you can participate in corporate actions without having to manage this with the share registry yourself. Your financial adviser will need to send Asgard your election by the cut-off time Asgard nominates, which may be earlier than the cut-off time advised by the share registry. This is to make sure Asgard has enough time to send your election to the relevant share registry. Your financial adviser can advise you of our cut-off times. If Asgard do not receive your election before the cut-off time, Asgard will consider that you have made no election, and the default election for that corporate action will apply. If the election you make requires funding, Asgard will withdraw the required balance from your Cash Account or your ewrap Margin Lending account (if applicable), based on the instructions you ve given Asgard. Your financial adviser can set up this election for you on AdviserNET, and it will apply to all corporate actions requiring payment until you tell Asgard otherwise. If you haven t set up an instruction on AdviserNET, Asgard will deduct the funds from your Cash Account. If you have insufficient funds available, Asgard will keep checking your Cash Account or Margin Loan Account up until our cut-off time. If there are no funds by this date, your corporate action election will lapse. Asgard will deposit any proceeds from corporate actions into your Cash Account. Sponsored share account You re entitled to participate in all corporate actions. You may also be able to gain access through the panel brokers to initial public offerings. You do. Corporate action notices are sent directly to you by the share registry. If you want to participate in a corporate action, you need to forward your election directly to the relevant share registry. You need to send your election to the relevant share registry prior to the share registry s cutoff time. If your election isn t received before the share registry s cut-off time, you will be taken to have made no election and the default election for that corporate action will apply. Corporate actions will be funded in line with the instructions you gave to the relevant share registry. Your proceeds will be paid to you in line with the instructions you gave to the relevant share registry. 14

Rebalancing your account When you choose investments for your account, you create an investment profile that sets out your preferred investment mix, in line with the investment strategy you agreed with your adviser. At any time you can ask us to rebalance your portfolio, buying and selling investments to ensure that the proportion invested in each holding matches your original profile. Your adviser can do this for you through AdviserNET. You can also set up your account to regularly rebalance your portfolio. If you choose this option, your account will be rebalanced: quarterly (on or around 15 February, May, August and November) half-yearly (on or around 15 February and August), or annually (on or around 15 August). Rebalancing only applies to your Cash Account balance, managed investments and shares. Assets with sales restrictions, such as existing fixed term products and closed products will not be rebalanced. Margin lending Your WealthView ewrap Investment account may offer the opportunity to use margin lending to expand your portfolio, with the shares and managed investments in your portfolio acting as security for the loan. Margin lending may enable you to build a larger portfolio, sooner, by borrowing money to invest. Margin lending has the potential to multiply your income and capital gains when you invest successfully; but it can also multiply your losses if your investments fall in value. It s important to understand the risks and seek the advice of your financial adviser. The ewrap Margin Lending facility is provided by St. George and has its own PDS, available from your financial adviser. The PDS sets out the risks and benefits of margin lending, as well as its features, costs, and terms and conditions. It also explains how ewrap Margin Lending changes the way your WealthView ewrap Investment account works. You can apply for margin lending when you apply for your account, or at any time. Margin lending may also be available through external providers. For more information, contact your financial adviser. 15

The risks of investing Here is an overview of significant risks you may face. Liquidity risk Liquidity risk is the risk that your investment cannot be bought, sold, cashed or transferred as quickly as you might wish. Investment transactions, withdrawals and transfers from your account are normally processed within 30 days of us receiving all the necessary information. Some investments, referred to as illiquid assets, require a longer period to be redeemed. This longer redemption period is imposed by the underlying investment manager because some or all of the assets within the investment are illiquid. Account fees will continue to be charged while invested in illiquid investment options. Investment risk An investment in WealthView ewrap Investment is subject to investment risk, including possible delays in repayment and loss of income and capital invested. This risk can include market risk, company risk, currency risk, interest rate risk and inflation risk. We don t guarantee either the performance of any investment or asset acquired through WealthView ewrap Investment, or the repayment of any capital. Other risks of investing in an IDPS We depend on the accuracy and efficiency of our administration and computer systems. There is a risk that a failure in any of these systems could cause a delay in processing and reporting on your account. There is also a risk that your rights may be affected by a change in the Deed Poll governing the WealthView ewrap Investment IDPS. We will notify you of any significant changes. Managing risk Choosing an investment strategy Your investment strategy will be highly dependent on your attitude towards risk the possibility that the investment will not return its original capital or expected income and that the level of return will be volatile during a given time period. Investments with a low-risk profile will usually provide lower, though more consistent, returns than those with a higher risk profile. For example, investing cash into bank accounts is considered low risk and low return, while the share market has historically provided higher returns over the longer term with higher volatility. Diversification Diversification is a basic strategy used to reduce some of the risks associated with investing. By spreading your investments across a number of assets, you are not reliant on the performance of, and are not exposed to the risks of, a single investment. Investing in only one or a few specific assets or direct securities can increase your risk. Seek professional advice It is very important that you understand and are aware of the risks and mitigating strategies, such as diversification, that are available to you. For more information on what risks apply to investing speak to your financial adviser. 16

Tax features Tax can have a significant impact on your investment accounts, so it s important to understand the tax implications of your investment decisions. But remember, tax laws are complex and everyone s situation is different, so you should always consult a qualified tax adviser before you invest. This section includes general information about the tax features of your WealthView ewrap Investment account. For more information about your individual situation, talk to your financial adviser or accountant. Keeping you informed To help you prepare your tax return, you or your financial adviser will receive an annual Tax Report and Tax Report Guide around September each year, along with quarterly or annual PAYG statements if you ask for them. You ll also have access to quarterly and annual PAYG information through Investor Online. What income is taxable? Income from managed investments and shares held through your WealthView ewrap Investment account is taxed in the same way as if you held them in your own name even for investments where we are the legal owner. Generally, any income in your account, including imputation credits and foreign income tax offsets will be part of your assessable income. You may also be able to offset these credits against income tax payable for the year. Rules applying to imputation credits received through trust investments are complex, so talk to your tax adviser about them. If you don t qualify for franking credits, they won t be part of your assessable income. Capital gains tax and tax management Any taxable capital gains from your investments will generally form part of your assessable income. You can only offset capital losses against current year capital gains, or carry them forward to be offset against any future capital gains. Where a capital gains discount applies, capital losses must be offset against capital gains before any discount is applied. In the consolidated Tax Report we provide you each year, we use a specific parcel selection methodology in matching tax parcels to each sale during the year. We select parcels based on the type of investments you have and the nominations set up for you on AdviserNET. Specific tax parcel selection may impact the amount of capital gain or loss you incur when selling investments. This is explained in more detail below. Tax parcelling for managed investments Through AdviserNET, your financial adviser can select which tax parcels to sell as part of any disposal of your managed investments. If you don t select specific tax parcels, or if the wrong number of parcels is selected for a specific sale, we ll treat your managed investments as having been sold in this order: Order Investment type 1 Investments held for more than 12 months, starting with the oldest investment that was purchased after 19 September 1985. 2 Investments held for less than 12 months, starting with the most recently purchased assets. 3 Investments acquired before 19 September 1985 that were transferred to your account. Tax parcelling for shares When you set up your share account, you can specify the order in which tax parcels will be matched to share sales. Depending on your circumstances, you can choose one of these options: Option Minimise gain Maximise gain First in first out (FIFO) Modified FIFO Description We ll treat shares as having been sold in the order that minimises net capital gain across your share portfolio at the time of sale. This method will consider: whether a gain has been made when each parcel was acquired whether a gain can be discounted or a cost-base indexed if there are any capital losses that can be offset (either carried forward or generated in that financial year). There may be other factors (such as a subsequent sale or other losses) that we don t take into account which may result in a different outcome. This will be the default method which will apply if you do not make an alternative selection. We ll treat shares as having been sold in the order that maximises the capital gain at the time of the sale. We ll select the parcel which generates the highest possible net capital gain first, then the parcel with the next highest net capital gain, and so on. We ll treat shares as having been sold in the order in which they were bought. The parcel that s been held the longest will be selected first, then the next longest, and so on. We ll treat shares as having been sold in this order: shares held for more than 12 months, starting with the oldest shares acquired after 19 September 1985 shares held for less than 12 months, starting with the most recently purchased assets shares acquired before 19 September 1985 that were transferred to your account. 17

Tax parcels and your tax return If you intend to use our consolidated Tax Report to calculate your gain or loss, you ll need to let us know your parcelling preferences by the end of July each year. That way, we can include this information when we prepare the capital gain or loss summary report for you. If you ve used interim capital gains reporting to determine your quarterly PAYG instalment income (for example, for a selfmanaged superannuation fund), you should not change your selection later. For existing accounts, we don t accept changes to the tax parcel selections during the tax-reporting period, from the beginning of August until around the end of October. This means you ll need to change the method in July, or the previous method will apply to sales in the new financial year. If you do change your method in July, the new method will also apply for the previous financial year. Please speak to your financial adviser or taxation consultant to find out which method is most suitable for you. Tax reporting Each year we ll provide you a Tax Report. The Tax Report includes a Statement of Annual Taxation Summary and the supporting schedules. The Statement of Annual Taxation Summary makes it easier for you and your tax adviser to record the correct information on your tax return. You can view your Tax Report on Investor Online by clicking on the link to Investor Reports. Non-resident investors The annual Tax Report is designed for use by Australian resident investors. When preparing an Australian income tax return, non-residents will need to adjust the details in the Tax Report appropriately. When you apply for WealthView ewrap Investment, you need to indicate your residency status for tax purposes on the application. And if your residence status changes, you ll need to tell us immediately and speak with your taxation consultant. If you become a non-resident and then become a resident again, you may need to give us your updated residency details. You ll also need to reconfirm your TFN details with us. If one investor in a joint account is a non-resident, we ll treat your account as a non-resident account. Tax Report Guide The Tax Report Guide is designed to help you and your tax agent understand the Tax Report. It explains how to interpret your Tax Report and how to prepare a tax return. The Tax Report Guide also includes information on foreign income, dividends, imputation credits, Australian Tax File Number (TFN) withholding tax, worked examples and much more. You can view the Tax Report Guide on Investor Online by clicking on the link to Investor Reports. Tax Report When we prepare your quarterly and annual PAYG information and annual Tax Report, we make some assumptions. For example, we assume you ve applied for capital gains tax rollover. This may mean the Tax Report or PAYG information doesn t accurately reflect your particular circumstances, so you may need to recalculate the amounts. You can find more information about these assumptions in the Tax Report Guide. Reporting on transferred assets When you transfer your existing managed investments or shares to your WealthView ewrap Investment account, you ll need to provide all the relevant cost details. If these details are not correct, your annual Tax Report of PAYG statements won t be accurate. 18

Fees and other costs WealthView ewrap Investment has fees and other charges that you need to be aware of. Here s a detailed explanation of the fees and costs you may pay as part of your investment. Consumer advisory warning Did you know? Small differences in both investment performance and fees and costs can have a substantial impact on your long-term returns. For example, total annual fees and costs of 2% of your account balance rather than 1% could reduce your final return by up to 20% over a 30-year period (for example, reduce it from $100,000 to $80,000). You should consider whether features such as superior investment performance or the provision of better services justify higher fees and costs. You may be able to negotiate to pay lower establishment fees and management costs where applicable. Ask the provider or your financial adviser. What fees apply? This document shows fees and other costs that you may be charged. The total fees and charges you will pay include the costs of this service as well as the costs of any investment you choose. It is important that you understand the fees of any investment options you choose and that those fees are in addition to fees and costs we charge. For detailed information about the fees and costs associated with any particular investment option, ask your financial adviser for a copy of the relevant investment option s PDS. Unless otherwise stated, all fees shown include GST and are net of any reduced input tax credits (RITC). You should read all of the information about fees and costs, because it is important to understand their impact on your investment in WealthView ewrap Investment. For more information on taxation, see Tax features on page 17. Fees and costs for particular investment options are set out in our Available Products list. Fees and other costs payable in relation to your Cash Account are disclosed in the Cash Account PDS. To find out more If you would like to find out more, or see the impact of the fees based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website (moneysmart.gov.au) has a managed investment fee calculator to help you check out different fee options. 19

Fees that apply in WealthView ewrap Investment Fee Amount How and when paid Fees when your money moves in and out of your account Establishment fee (i) The fee to set-up your account. Flat dollar fee you negotiate with your financial adviser. No set limits apply. A one-off fee deducted from your Cash Account, paid to your financial adviser. Contribution fee Nil Not applicable Withdrawal fee The fee on each amount you take out of your account. Nil Not applicable. Termination fee The fee to close your account. Management costs The fees and costs for managing your account Administration fee (ii) Amount invested The fees for managing your account ($) Nil Fee managed investments only (% pa) (iii) Fee shares only (% pa) (iv) First 100,000 1.1275 1.2100 Next 150,000 0.6150 0.6600 Next 500,000 0.2050 0.2200 Next 2,250,000 0.1025 0.1100 Over 3,000,000 Nil Nil Minimum daily administration fee (applies to accounts with a balance of less than $100,000). $3.08 $3.31 Not applicable Deducted from your Cash Account monthly in arrears, at the beginning of each month. Calculated daily based on the balance of your managed investments, fixed term deposits and shares at the end of the previous month. Excludes amounts in your Cash Account. The fees for your first month are calculated based on the number of days remaining in that month. Investment fees The amount you pay for specific investment options for more details, see the investment option PDS. May include performance fees. Excludes buy/sell costs (i). Performance fees Some fund managers may charge a performance fee if the investment meets certain specified criteria. Service fees Investment switching fee (v) The fee for changing between investments. Adviser remuneration One-off adviser fee Paid to your financial adviser in return Ongoing adviser fees for the advice they provide. Custodial share account fee $300 a year 0.00% pa to 4.04% pa, depending on the investment options you choose See the investment option s PDS on how this amount is calculated (if applicable). Nil Paid to the investment managers of the managed investments in your account. Fees taken are generally reflected in the unit prices of managed investments. These fees are generally deducted by each investment manager from their managed investment, usually on a monthly basis. See the investment option s PDS on how and when it is paid (if applicable). Not applicable Deducted from your Cash Account regularly or occasionally, as agreed with your financial adviser. Applies to Custodial share accounts only, regardless of whether you hold shares in that account. Calculated daily and deducted from your Cash Account monthly in arrears, at the beginning of every month. Where your Custodial share account is set up during the month, the fee will be charged on a pro rata basis. 20

Fee Amount How and when paid Service fees (continued) Share brokerage The fee charged by the broker for each share trade. May include charges for phone booking and posting trade confirmations. Determined by the broker (vi) and the financial adviser. May include an amount paid to your financial adviser. Specified in the trade confirmation you receive from the broker. Does not include the share settlement fee, except for trades placed through E*TRADE. For share purchases, brokerage is added to the share purchase price and the total deducted from your Cash Account. (vii) For share sales, brokerage is deducted from sales proceeds and the net amount credited to your Cash Account. (vii) The net trade confirmation amount will include any share brokerage charged. Share settlement fee (iv) Paid to the settlement provider when buying or selling shares. Failed settlement fee (iv) the fee charged by E*TRADE, as set by the ASX. Broker fail fee a fee may be charged by the broker if your share trade fails. Margin lending fees a margin lender from whom you borrow to invest may charge you fees for that service. $22 per share trade. The fee is determined by Asgard s settlement agent, E*TRADE, in conjunction with the ASX, and varies according to the situation. The minimum fee is $55 per day. The fee is determined by the broker and varies according to the situation. Refer to the relevant margin lending PDS for further details. Charged by Asgard s settlement service provider, E*TRADE, for settling your share trades. For trades placed through E*TRADE this fee is included in the brokerage charged. Deducted from your Cash Account (or Margin Loan Account if you have an ewrap Margin Loan) at the time of the share buy or sell. The failed settlement fee will be deducted from your Cash Account (vii). The broker fail fee will be deducted from your Cash Account. These fees only apply if you have selected margin lending. (i) We pay this amount to your financial adviser for advice given to you about this product. This fee is negotiable. For more information, see Adviser remuneration on page 22. (ii) We reserve the right to reduce some of the management costs for certain large investors. WealthView ewrap Investment is not eligible for our family group linking fee reduction. (iii) A Reduced Input Tax Credit (RITC) of 7.5% can be claimed in respect of that part of our administration fee applying to managed investments, resulting in a net GST recovery of only 2.5% and a lower administration fee. (iv) Includes full GST of 10%. No RITC applies. (v) While there are no fees associated with switching, there may be buy/sell costs. See Buy/sell costs on page 22. (vi) Excluding E*TRADE. (vii) Note: If you have an ewrap Margin Lending facility, share buy and sells, and related fees, are settled through your Margin Loan Account instead of your Cash Account. 21

Additional explanation of fees and costs This section provides extra information on the fees and costs that apply to WealthView ewrap Investment. Administration fee The administration fee covers the costs of operating your WealthView ewrap Investment account, including custody, settlement and reporting services. We calculate your administration fee based on the balance of your managed investments and shares, but not money in your Cash Account. RITC for managed investments The part of our administration fee that s charged on the value of your managed investments qualifies for a Reduced Input Tax Credit (RITC) of 7.5%. This results in a net GST expense of 2.5% only. No RITC applies to the administration fee charged on shares. If you only hold managed investments, the fee scale (including a net GST expense recovery of 2.5%) is as follows: Account balance (i) Fee (% pa) First $100,000 (ii) 1.1275 Next $150,000 0.6150 Next $500,000 0.2050 Next $2,250,000 0.1025 Over $3,000,000 None (i) Excludes Cash Account (ii) For account balances (excluding Cash Account) of less than $100,000, the minimum daily administration fee is $3.08. If you hold both managed investments and shares through your account, you ll get the benefit of the RITC on the part of the administration fee which is charged on your managed investments. Here s an example: Mr Smith has a WealthView ewrap Investment account through which he holds managed investments valued at $100,000 and shares valued at $100,000. The administration fee (including GST) applying to his account is: First $100,000 $100,000 x 1.21% $1,210 Next $100,000 $100,000 x 0.66% $660 Total $1,870 RITC calculation for managed investments: Administration fee on managed investments GST portion $1,870 x 50% $935 $85 RITC (75% of the GST) $63.75 Total administration fee (i) $1,870 $63.75 $1,806.25 (i) Includes a net GST expense recovery of 2.5% (GST of 10% less an RITC of 7.5%) on the part of the administration fee relating to managed investments. If you are registered for GST purposes, speak to your taxation consultant and/or your financial adviser to determine if you re able to claim any input tax credits. Investment fees As well as the fees we charge, you may need to pay fees and costs for the investment options you choose (not including listed securities and term deposits, which are fee free). The investment fees are calculated as a percentage of the amount you have invested, and are included in the unit price for each managed fund. The investment fees you ll pay are set out online or in the latest PDS for each investment option. You can find a list of the fees that apply to your investments on Investor Online. Performance fees In addition to investment fees, some fund managers may charge an additional fee for managing the asset. The amount they will charge, and their methods for calculating the performance fees can vary between investment options. To find out whether a particular investment option includes a performance fee, and the method of calculating any performance fee, see the investment option s PDS. Buy/sell costs Most investment options (except listed securities and term deposits) have buy/sell costs. The buy/sell cost is the difference between the cost of buying and selling a unit price in the same investment. Buy/sell costs are reflected in the unit price and are not charged separately. Buy/sell costs represent the fund manager s estimate of the costs of each transaction, including brokerage fees and government taxes. They differ depending on the types of assets held by the investment option and whether they are traded in Australia or overseas. Buy/sell costs help make sure that investors who trade infrequently don t end up bearing the costs of those who transact more often. They are not paid to us but are used by the fund manager of the underlying investment to meet transaction costs. For more information on the buy/sell costs for a particular investment, see the investment option PDS. Adviser remuneration Your financial adviser may be paid a one-off or ongoing adviser fee, or both, for providing financial planning services in relation to this product. In all circumstances you control the payments and can instruct us to change or cease payments. One-off adviser fees Your financial adviser may be paid a one-off flat dollar fee, charged to your account. Unless you specify a fee, it won t be charged. The one-off fee can be charged more than once during the life of your account, but is limited to once a month. It is deducted from your Cash Account monthly in arrears. 22

Ongoing adviser fees Your financial adviser may be paid a regular, ongoing fee. This can be: Ongoing fee type Flat dollar amount Flat percentage up to 5.5% pa Sliding scale Description Calculated based on the value of shares, managed investments and/or your Cash Account. Can be set to increase annually in line with the Consumer Price Index (CPI). Calculated based on the value of shares, managed investments and/or your Cash Account. A different percentage can apply to each category of investment. Calculated based on the value of shares, managed investments, using a tiered per annum percentage scale. Fees are paid monthly in arrears. If your account is open for only part of the month, the fee is calculated based on the number of days it was open. Fund manager payments Members of the AMP group may receive payments of up to 0.30% pa (plus GST) from the fund managers of particular investment options available within WealthView ewrap Investment. The amount received (if any) may be based on the amount invested with that manager, or on other factors. These payments may change from time to time and are not an additional charge to you. Payments Asgard receives Share trade service and settlement payments When E*TRADE is used as the broker, Asgard receives service fees from E*TRADE for the introduction of your share trading business and for performing client service activities on your broking account. The service fee will range between 40% and 50% of the brokerage charged by E*TRADE, depending on trade volumes, and does not apply to trades through other brokers. This is not an additional cost to you. Asgard also receives service fees for share settlement from the settlement agent, E*TRADE. If you use a panel broker other than E*TRADE, this fee is between 30% and 45% of the settlement fee charged. This is not an additional cost to you. Administrator and custodian payments Asgard receives a fee for the services it provides as administrator and custodian of this product. These payments are not an additional charge to you. Interest on other accounts When we withdraw or deposit money to your Cash Account, it may pass through clearing accounts. These accounts are in Asgard s name. As such any interest earned while the money passes through is kept by Asgard. You don t pay any fees in relation to these accounts they are covered by the interest or from Asgard s fees. Here s a summary of the clearing accounts we use, and when we use them: Type of account Investment clearing accounts Margin lending clearing account Custodial share clearing account Cheque clearing account Clearing account Used when we withdraw money from your Cash Account to buy managed investments for you, before it s paid to the relevant investment manager we sell your managed investments, before we credit the proceeds to your Cash Account we receive distributions, before we credit them to your Cash Account. We receive proceeds from the sale of your managed investments and distributions, before they are paid to St. George to reduce or repay your margin loan (ewrap Margin Lending accounts only). we receive payments for corporate actions, before being paid to the relevant share registry (Custodial accounts only) dividend payments, before they are credited to your Cash Account (Custodial accounts only). You have an ecash Account, for cheque and direct debit deposits, before they are deposited to your Cash Account. See the Cash Account PDS for more information. We withdraw fees from your Cash Account to pay your financial adviser. Cash Account service fee Asgard may receive a fee of up to 0.70% pa from St. George for introducing your banking business. This fee is calculated as a percentage of the daily balance of your Cash Account. It is not an additional cost to you. 23

Example of annual fees and costs The following table gives an example of how the fees and other costs in a balanced investment option (i) in WealthView ewrap Investment can affect your investment over a oneyear period. You can use this table to compare this product with other investment products. Example balanced investment option (i) Contribution fee Plus Management costs and investment fees Equals Cost of account Nil Balance of $50,000 with deposits of $5,000 during the year (ii) (iii) Not applicable 3.2084% And, for the first $50,000 you have in your account, you will be charged $1,604.20 each year in management costs, made of up $1,124.20 in administration fees and $480 in investment fees. (i) (iv) If you put in $5,000 during a year (which was not your initial deposit) and your balance was $50,000, then for that year you will be charged a fee of: $1,604.20 What it costs you will depend on the investment options you choose and any fees you negotiate with your financial adviser. (v) (i) The balanced investment option in this example is the Experts Choice Balanced Fund which has an investment fee of 0.96%. (ii) The deposit of $5,000 is assumed to be deposited to your account at the end of the year. (iii) Fees do not apply to additional contributions. However, an establishment fee may apply on the initial deposit to your account as agreed with your financial adviser. (iv) As your account balance increases, the total management costs you pay as a percentage of your account balance will decrease due to the tiered administration fee structure. Administration fees, as a percentage of your account balance, will decrease as your account balance increases. In this example, as the amount is less than $100,000, minimum fees of $3.08 per day are applied as the administration fee. (v) Additional fees may apply, including ongoing and one-off adviser fees, as agreed with your financial adviser. Register for alternative forms of remuneration From time to time we may decide to pay additional amounts to your financial adviser as incentive or bonus remuneration and/ or provide financial advisers with non-monetary benefits (such as training or entertainment). This is not an additional charge to you, rather an amount paid by us from our own resources. We maintain a register of the non-monetary benefits that we provide to financial advisers. If you would like a copy of our register, please contact us at wealthview.ewrap@asgard.com.au or call 1800 006 230. Changes to fees Under the Custody Service Deed, we can change the WealthView ewrap Investment fees and charges in this Guide, including increasing fees or adding new fees. If we do this, we ll give you at least 30 days written notice of the change. We reserve the right to negotiate and agree on fees and other costs with investors who are wholesale clients (as defined in the Corporations Act 2001). Investment fees may be varied at any time by an investment manager, without notice to you. You can find the current fees and costs for your investment options in the investment option s PDS. Download the latest version of your investment option s PDS from Investor Online. 24

Keeping you up to date With continuous reporting on all your investments, available online 24 hours a day, and detailed reporting, WealthView ewrap Investment makes it easy to keep track of your investments. WealthView ewrap Investment consolidates all the transaction reporting from various investment managers and listed entities, providing you and your financial adviser with continuous, online access to account information. You can view your personal account details 24 hours a day, seven days a week through Investor Online. You can log on once you ve received your account number and Personal Identification Number (PIN). After the end of each financial year, you ll receive a comprehensive Investor Report giving you a clear snapshot of all your investments in one easy-to-understand document. Here s how we keep you up to date: Investor Online Investor Report Annual Tax Report and Tax Report Guide PAYG summary Cash Account statements Access information on your account anywhere, anytime, at investoronline.info. We ll send you your log-on details when we open your account. Use them to log on and view your account details, access documents, read investor communications, download forms and PDSs and manage your account details. Your annual Investor Report, as at 30 June, providing a clear picture of all your investments, including your opening and closing balance, transaction history, net earnings and investment performance. Each year, we ll provide a Tax Report and you can access the Tax Report Guide on Investor Online to help you complete your income tax return. We can also provide you with access to monthly tax invoices, and quarterly and annual PAYG statements on request. You can request a free quarterly or annual PAYG statement, or get one from Investor Online. You ll receive six-monthly statements for your Cash Account. See the Cash Account PDS for more information. Investor Online Investor Online is our online investor service, providing secure access to a range of information about your account, 24 hours a day, seven days a week. Using Investor Online View account information anytime, anywhere View detailed account and investment information, including: your account balance and transaction history at any point in time a list and value of investments held at any point in time account activity and periodic reports tax and distribution information PDSs for your underlying investments notifications of material changes and significant events affecting your account notices of any changes to fees, including the introduction of new fees or increases to current fees or costs. Manage your account Update account details in moments, including: changing your address, contact and email details changing your PIN adding your Tax File Number (TFN) downloading forms. AdviserNET reports from your adviser Through AdviserNET, our comprehensive online service for financial advisers, your adviser can give you extensive information about your account, including unrealised capital gains estimates on your assets. Electronic reporting When you open a WealthView ewrap Investment account, you agree to receive ongoing communications from us electronically through Investor Online, or by other electronic means. We re progressively increasing the information we make available electronically. So in the future, we may also use Investor Online or another electronic means to provide other information we re required to give you or give you access to. When we send these communications to you electronically through Investor Online or other means, you ll be considered to have received them, even if you don t access them. You can also access all of this information through your financial adviser, and we may still choose to send some or all of this information to you on paper. You can ask us to send you required information in paper form, free of charge, by contacting us in advance. 25

Communications from investment managers When you invest through your WealthView ewrap Investment account, your managed investments and any shares in a Custodial share account are held in Asgard s name. That means you give up direct voting rights and generally can t attend investor meetings. It also means that investment communications from the investment manager, like annual reports, financial statements and notices of corporate actions, are sent to Asgard. You can elect to receive copies of these communications by writing to us. Contacting us You can also call our Contact Centre on 1800 006 230 at any time, or send an email to wealthview.ewrap@asgard.com.au. 26

Other things you need to know Privacy, acknowledgements, terms and conditions, and other important things you need to know. Verifying your identity We are required to comply with the Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) Act. This means that, before we can accept you as an investor, we need to verify your identity. We may also need you to verify your identity as you undertake further transactions in relation to your investment. We will need to identify: you as the investor(s) prior to accepting your application for WealthView ewrap Investment. We cannot process transactions on your behalf until all relevant information has been received and your identity has been satisfactorily verified. your estate. In the event of your death while holding an account, we will need to identify and verify your legal personal representative prior to transferring the ownership or transacting on your account. anyone acting on your behalf. If you nominate a representative to act on your behalf, we will need to identify and verify the nominated representative prior to authorising them as an added signatory to your account. In some circumstances, in accordance with the AML/CTF Act, we may need to re-verify your identity or require additional information from you. By applying to invest in WealthView ewrap Investment, you acknowledge that we may delay or refuse any request or transaction at our discretion if we think it may breach our obligations, or cause us to commit or participate in an offence under the AML/CTF Act. If we do so, we will incur no liability to you. Your privacy We understand that your privacy is important. So we ll only collect the personal information we need to assess your application for WealthView ewrap Investment and to manage your account. As part of assessing your application and managing your account, we may need to share your personal information with other parties. These parties may include other providers of investment products, administrators and external service providers, a financial adviser, the Australian Taxation Office (ATO) and other AMP group companies. We will not give your personal details to any external parties for marketing purposes, but you may be contacted by us about new products or special offers. If at any time you don t want to receive this information, you can let us know by calling the Contact Centre on 1800 006 230 and quoting your member number. You are also entitled to request reasonable access to the information we have about you. Our privacy policy is available from amp.com.au or by calling the Contact Centre on 1800 006 230. NMMT Limited confirms that Asgard, as the administrator for WealthView ewrap Investment, will continue to collect, use and disclose your personal information to administer your investment in WealthView ewrap Investment on behalf of NMMT. NMMT will only disclose your information to Asgard in accordance with NMMT s privacy policy. Answering your privacy questions If you have any complaints or questions about the privacy of your personal information, please contact our Privacy Officer by writing to: Group Privacy Officer Customer Service AMP PO Box 300 PARRAMATTA NSW 2124 If we can t resolve your complaint to your satisfaction you can write to the Privacy Commissioner at: Office of the Privacy Commissioner GPO Box 5128 SYDNEY NSW 2001 Making an enquiry or complaint If you have an enquiry or complaint, please contact your financial adviser or the Contact Centre on 1800 006 230 from anywhere in Australia. You can also email us at wealthview.ewrap@asgard.com.au or write to us at: Contact Centre GPO Box C113 PERTH WA 6839 Let us know the exact nature of your concerns, your name and your WealthView ewrap Investment account number. We ll acknowledge your letter or email within 48 hours, and will attempt to resolve your complaint within 28 days. If you are not satisfied with our resolution or handling of your complaint, you have the right to lodge a complaint with the Financial Ombudsman Service (FOS). You can contact FOS on 1300 780 808 or alternatively, by writing to: The Manager Financial Ombudsman Service Limited GPO Box 3 MELBOURNE VIC 3001 27

Closing your account If you decide to close your WealthView ewrap Investment account, you need to contact your financial adviser to arrange to redeem, sell or transfer all your managed investments and shares. Before we close your account, we ll deduct any outstanding fees and other costs from your Cash Account. You can choose to keep your Cash Account open, or close it when you close your account. If you close your Cash Account, we ll credit a final interest payment then transfer your final balance to the account you nominate. We ll then send a final statement for your Cash Account, showing the transfer of funds and resulting nil balance. If we receive extra funds after you ve closed your account, such as dividends or income distributions, we ll pay them to your: Cash Account, if you have kept it open, or nominated account, if your Cash Account was closed. About the Custody Service Deed We are the operator and provider of WealthView ewrap Investment. The operation of your WealthView ewrap Investment account is governed by the Custody Service Deed dated 25 January 1999 (as amended from time to time) and by the terms and conditions contained in this guide. The Custody Service Deed provides details about: how WealthView ewrap Investment accounts are opened, closed, suspended or terminated by us our right to fees and other costs when we will and won t act on your instructions the broad disclaimer of liability by us in respect of the use of AdviserNET by your financial adviser to give instructions our limits of liability in particular, we re not liable to you for any losses or liabilities incurred by you in relation to WealthView ewrap Investment, this guide or the Deed, except to the extent that those losses or liabilities arise from our, or our agent s, lack of good faith, dishonesty or failure to act with reasonable care and diligence in providing WealthView ewrap Investment our right of indemnity from your WealthView ewrap Investment account where we have properly performed or exercised our powers and duties how we communicate with each other both your and our rights and obligations in relation to your WealthView ewrap Investment account. A copy of the Custody Service Deed is available free of charge from the Contact Centre. We can amend the Deed or the terms and conditions contained in this Guide at any time and we will notify you of any material changes we ve made. If we ever make any changes which are materially adverse to you, we ll give you reasonable notice beforehand. Investor acknowledgements and authorities By asking your financial adviser to submit your application electronically or by completing and signing the application, you: acknowledge you are bound by the Custody Service Deed, other WealthView ewrap Investment terms and conditions in this guide, the CHESS sponsorship terms and conditions in this Guide (if you choose a Sponsored share account) and the Cash Account terms and conditions in the Cash Account PDS (as each of them may be amended from time to time) acknowledge you have read and understood the current WealthView ewrap Investment Guide and the Cash Account PDS acknowledge that if an unsigned application is submitted to us electronically by your financial adviser using AdviserNET, then you warrant to us that you authorised your financial adviser to use AdviserNET to submit your application and you are taken to have agreed to be bound by the Custody Service Deed dated 25 January 1999, the other terms and conditions applying to your account set out in this Guide, the CHESS sponsorship terms and conditions in this Guide (if you choose a Sponsored share account), and the Cash Account terms and conditions in the Cash Account PDS (as each of them may be amended from time to time) when a deposit is made to your Cash Account, or when you accept or confirm the terms and conditions using Investor Online, whichever is the earlier acknowledge that if you re acting as a trustee, you ll be bound by the terms and conditions as a trustee or an agent, and personally. If you re a corporation, the directors are also bound by these terms and conditions acknowledge we are not obliged to accept any application or provide reasons for our refusal to accept an application acknowledge you must instruct your financial adviser to notify us of any change in the details provided with your application, within two business days of the change authorise the provision of information relating to your WealthView ewrap Investment account to your financial adviser authorise the use of the tax file number and/or Australian business number information in regard to your WealthView ewrap Investment account and your Cash Account acknowledge that, unless otherwise disclosed in the offer document for the relevant financial product, the managed investments and shares you select and the WealthView ewrap Investment account are not deposits with, investments in, or other liabilities of, Westpac or any other company within the Westpac Group. They are subject to investment risk, including possible delays in repayment and loss of income and principal invested. Neither AMP Financial Planning, any other company within the AMP group, Westpac nor any other company within the Westpac Group 28

stands behind or otherwise guarantees the capital value or investment performance of the specific investments you select or the WealthView ewrap Investment account generally acknowledge the investment managers of the managed investments offered through WealthView ewrap Investment did not authorise or cause the issue of this Guide and therefore they are not responsible for the extent of the disclosure herein acknowledge the provision of managed investments through WealthView ewrap Investment should not be taken as the giving of investment advice by NMMT nor any company within the AMP group nor Asgard or any other company in the Westpac Group as we re not aware of your investment objectives, financial position and particular needs acknowledge that, although Asgard holds legal title (as custodian) to all managed investments and shares held under a custodial arrangement within WealthView ewrap Investment, you re beneficially entitled to these investments held on your behalf acknowledge that we retain the right to establish and change any procedures we consider necessary or desirable to best manage WealthView ewrap Investment acknowledge, in relation to managed investments chosen as part of your WealthView ewrap Investment account that you ve received a PDS (except where not required) which is current and is the latest available (as confirmed by your financial adviser) for each managed investment selected by you for your account warrant that your use of the services we provide will not breach any law of Australia or any other country agree that where we consider it necessary for us to meet our regulatory and compliance obligations: you must provide us with any information we reasonably request we will disclose information we hold to regulatory and law enforcement agencies, other financial institutions third parties and members of the Westpac Group we may delay, block or refuse to provide any of our services. We will not be liable to you or any other person for any loss or damage of any kind that may be suffered as a result of us exercising any of these rights. Online transactions disclaimer You have instructed your financial adviser to lodge investment and other instructions with the Service Provider on your behalf electronically via AdviserNET (an online e-commerce facility), using the AdviserNET Online Transactions Facility (Online Transactions). By instructing your financial adviser to do so, you agree to the following terms and conditions: Except to the extent required by law, the Service Provider makes no representations or warranties express or implied that Online Transactions is fault free or as to the continuity, functionality, reliability or efficiency of Online Transactions or the suitability of Online Transactions to you. You agree to your financial adviser lodging instructions in this manner at your own risk and solely in reliance on your own judgement and not upon any warranty or representation made by the Service Provider. Except to the extent required by law, the Service Provider will not be liable to you in contract, tort or otherwise (whether negligent or not) and you will not have any cause of action against or right to claim or recover from the Service Provider for or concerning any loss or damage of any kind at all (including consequential loss or damage and including but not limited to loss of profits and business interruption) caused directly or arising indirectly out of: your financial adviser s use of Online Transactions or any part of it any inaccuracy, defect, unintended inclusion, malfunction, default, error, omission, loss, delay or breakdown in Online Transactions any suspension of Online Transactions any delay in the lodgement of, or execution of instructions submitted electronically by your financial adviser due to systems faults, communication failures or any other circumstance outside the Service Provider s reasonable control relating to the use of or ability to operate Online Transactions any delay in the execution of instructions arising from the Service Provider following the Service Provider s standard procedures in the usual course of the Service Provider s business, including, without limitation, ensuring the instructions do not contravene any of the Service Provider s investment or other requirements any breach of the AdviserNET Online Transactions Agreement by your financial adviser or any error or omission made by your financial adviser with respect to the use of Online Transactions, including, but not limited to, the completion of instructions and their submission and the order in which your financial adviser submits them the order in which the Service Provider processes instructions submitted by your financial adviser 29

the processing of an instruction submitted by your financial adviser electronically using AdviserNET which contradicts an instruction lodged in paper format with the Service Provider the fact that information about you on AdviserNET is not identified as current your financial adviser s failure to comply with reasonable instructions, documented practices relating to the electronic submission of instructions or training material provided by the Service Provider from time to time the execution of transactions by or involving third parties Online Transactions not functioning in the manner contemplated by your financial adviser where the instruction is complex or your Service Provider account is complex the Service Provider rejecting or returning an instruction any breach by your financial adviser of the Corporations Act 2001 any other act, matter, thing or condition beyond the Service Provider s reasonable control relating to the use of or ability to operate Online Transactions. 30

Financial Services Guide Date prepared: 21 October 2013 NMMT Limited (ABN 42 058 835 573) referred to throughout this Financial Services Guide as NMMT, us, our or we. Australian Financial Services Licence No. 234653 Postal address: GPO Box 2915 MELBOURNE VIC 3001 Telephone: 1800 667 841 Email: wealthview.ewrap@asgard.com.au Website: investoronline.info This Financial Services Guide (FSG) has been prepared by NMMT. NMMT is a wholly owned subsidiary of AMP Limited. This FSG contains information about: the financial services NMMT will provide you how NMMT and other related parties are paid for financial services provided to you any associations or relationships that could create potential conflict of interest who to contact if you have a complaint. Other documents you might receive Before applying for an AMP product, where relevant, you will be provided with other disclosure documents such as an Investor Directed Portfolio Service (IDPS) Guide or Product Disclosure Statement (PDS). These documents contain important information, which should be considered in determining whether to purchase the financial product. Financial services we provide NMMT is authorised to: provide general product advice perform underlying investment activities in accordance with your instructions hold investments on your behalf in relation to the IDPS. We do not provide financial planning services or give personal product advice. Benefits we may receive We may charge you fees for the products and services provided to you. Your financial adviser may receive remuneration that is included in these fees and charges. Your financial adviser may be a representative of other companies within AMP. Detailed information on the fees and charges can be found in the relevant IDPS Guide or PDS. We maintain a register of non-monetary benefits that may be provided to your financial adviser from time to time. This is not an additional charge to you, rather an amount paid from our own resources. If you would like a copy of the register, please call the Contact Centre on 1800 006 230. Associations and relationships with product issuers NMMT is part of AMP and is associated with other AMP entities. Providing instructions You may contact us via telephone or email. Our contact details are provided on the back of this document. Complaints If you are not satisfied with any of the services provided by NMMT you should call the Contact Centre on 1800 006 230 or email wealthview.ewrap@asgard.com.au. If you aren t satisfied with the outcome of your complaint you can contact the Financial Ombudsman Service on 1300 780 808. 31

CHESS sponsorship terms and conditions Introduction A. Asgard Capital Management Ltd ABN 92 009 279 592 ( we, us and our ) is the holder of an Australian Financial Services Licence under the Corporations Act 2001. B. Information on our status can be obtained from the Australian Securities and Investments Commission. C. As the holder of a WealthView ewrap Investment account, we offer to sponsor you, and you agree to be sponsored by us, for CHESS purposes. 1. Interpretation In these terms and conditions, this Agreement is a reference to these terms and conditions when you agree to be bound by them and any term used in these terms and conditions which is defined in the ASTC Settlement Rules has the meaning given in those Rules. Should you require a copy of these definitions, please contact us. 2. Appointment and issue of HIN 2.1 You appoint us to provide and we agree to provide, transfer and settlement services (some or all of which we may appoint another CHESS Participant to provide) as agent for you in relation to your sponsored Holdings on the terms and conditions set out in this Agreement. 2.2 If you do not transfer an existing HIN to us, we will apply for a HIN for you when you elect to trade Financial Products that will be a Sponsored Holding. Any new HIN will be specified in a letter or electronic communication to you as soon as practicable after it is issued to us. Any existing HIN you do transfer to us will be specified by you in the relevant CHESS Transfer Form. 2.3 If you transfer Financial Products held under an existing HIN to us, by completing the relevant CHESS Transfer Form, you direct us to arrange for the transfer to our PID of the nominated Financial Products. 3. Mandatory provisions 3.1 Our rights 3.1.1 Where you, the Participant Sponsored Holder, authorise us to buy Financial Products, you will pay for those Financial Products within three (3) Business Days of the date of purchase. 3.1.2 Subject to Clause 3.1.3, we are not obliged to Transfer Financial Products into the Participant Sponsored Holding, where payment for those Financial Products has not been received, until payment is received. 3.1.3 Where a contract for the purchase of Financial Products remains unpaid, after we have made a demand of you to pay for the Financial Products, we may sell those Financial Products that are the subject of that contract at your risk and expense and that expense will include brokerage and stamp duty. 3.1.4 Where we claim that an amount lawfully owed to us has not been paid by you, we have the right to refuse to comply with your Withdrawal Instructions, but only to the extent necessary to retain Financial Products of the minimum value held in a Participant Sponsored Holding (where the minimum value is equal to 120% of the current market value of the amount claimed). 3.2 Your rights 3.2.1 Subject to Clauses 3.1.3 and 3.1.4, we will initiate any Transfer, Conversion or other action necessary to give effect to Withdrawal Instructions within two (2) Business Days of the date of the receipt of the Withdrawal Instructions. 3.2.2 We will not initiate any Transfer or Conversion into or out of the Participant Sponsored Holding without your express authority. 3.2.3 You may be entitled to lodge any complaints against us relating to any breach of this Agreement with ASTC or the Australian Securities and Investments Commission. 4. Other rights and duties 4.1 Supply of information You will supply all information and supporting documentation which is reasonably required to permit us to comply with the registration requirements, as are in force from time to time, under the ASTC Settlement Rules. 4.2 Pledging and sub-positions 4.2.1 Where you arrange with any person to give a charge or any other interest in Financial Products in a Participant Sponsored Holding, you authorise us to take whatever action is reasonably required by the person in accordance with the Rules to give effect to that arrangement. 32

4.2.2 You acknowledge that where, in accordance with this Agreement and/or your instructions, we initiate any action which has the effect of creating a sub-position over Financial Products in the Participant Sponsored Holding, your right to transfer, convert or otherwise deal with those Financial Products is restricted in accordance with the terms of the Rules relating to subpositions. 4.3 Fees 4.3.1 You will pay all Brokerage fees and associated transactional costs within the period prescribed by us. 5. Mandatory notifications and acknowledgements 5.1 You acknowledge that if we are not a Market Participant of ASX, neither ASX nor any Related Party of ASX (including ASTC) has any responsibility for supervising or regulating the relationship between you and us, other than in relation to the Rules relating to Sponsorship Agreements. 5.2 You acknowledge that if a Transfer is taken to be effected by us under Section 9 of the ASTC Settlement Rules and the Source Holding for the Transfer is a Participant Sponsored Holding under this Agreement, then: 5.2.1 you may not assert or claim against ASTC or the relevant Issuer that the Transfer was not effected by the Sponsoring Participant or that the Sponsoring Participant was not authorised by you to effect the Transfer and 5.2.2 unless the Transfer is also taken to have been effected by a Market Participant of ASX or a Clearing Participant of ACH, you have no claim arising out of the Transfer against the National Guarantee Fund under Part 7.5, Division 4 of the Corporations Regulations. 5.3 In the event that we breach any of the provisions of this Agreement, you may refer that breach to any regulatory authority, including ASTC. 5.4 In the event that we are suspended from CHESS participation, subject to the assertion of an interest in Financial Products controlled by us, by our liquidator, receiver, administrator or trustee: a. you have the right, within twenty (20) Business Days of ASTC giving Notice of suspension, to give notice to ASTC, requesting that any Participant Sponsored Holdings be removed either: i. from the CHESS Sub-register, or ii. from our control to the control of another Participant with whom they have concluded a valid Sponsorship Agreement pursuant to Rule 12.19.10 of the ASTC Settlement Rules, b. where you do not give notice under Clause 5.4(a) ASTC may effect a change of Controlling Participant under Rule 12.19.11 of the ASTC Settlement Rules and you will be deemed to have entered into a new Sponsorship Agreement with the substitute Participant on the same terms as this Agreement. Where you are deemed to have entered into a Sponsorship Agreement, the new Participant must enter into a Sponsorship Agreement with you within ten (10) Business Days of the change of Controlling Participant. 5.5 You acknowledge that before you executed this Agreement, we provided you with an explanation of the effect of this Agreement and that you understood the effect of this Agreement. 5.6 You acknowledge that in the event of your death or bankruptcy, a Holder Record Lock will be applied to all Participant Sponsored Holdings in accordance with the ASTC Settlement Rules unless your legally appointed representative or trustee elects to remove the Participant Sponsored Holdings from the CHESS Sub-register. 5.7 You acknowledge that in the event of your death, this Agreement is deemed to remain in operation, in respect of the legally appointed representative authorised to administer your estate, for a period of up to three (3) calendar months after the removal of a Holder Record Lock applied pursuant to Clause 5.6 unless your legally appointed representative or trustee elects to remove the Participant Sponsored Holdings from the CHESS Sub-register. For joint holdings only 5.8 You acknowledge that in the event of the death of one of the Holders, we will transfer all Holdings under the joint Holder Record into new Holdings under a new Holder Record in the name of the surviving Participant Sponsored Holder(s), and that this Agreement will remain valid for the new Holdings under the new Holder Record. 5.9 You acknowledge that in the event of the bankruptcy of one of the Holders we will: a. unless the legally appointed representative of the bankrupt Participant Sponsored Holder elects to remove the Participant Sponsored Holdings from the CHESS Sub-register, establish a new Holder Record in the name of the bankrupt Participant Sponsored Holder, transfer the interest of the bankrupt Participant Sponsored Holder into new Holdings under the new Holder Record and request that ASTC apply a Holder Record Lock to all Holdings under that Holder Record, and 33

b. establish a new Holder Record in the name(s) of the remaining Participant Sponsored Holder(s) and Transfer the interest of the remaining Participant Sponsored Holder(s) into new Holdings under the new Holder Record. 6. Change of Controlling Participant 6.1 If you receive a Participant Change Notice from us and the Participant Change Notice was received by you at least twenty (20) Business Days prior to the date proposed in the Participant Change Notice for the change of Controlling Participant, you are under no obligation to agree to the change of Controlling Participant, and may choose to do any of the things set out in Clauses 6.2 or 6.3. 6.2 You may choose to terminate this Agreement by giving Withdrawal Instructions under the ASTC Settlement Rules to us, indicating whether you wish to: a. transfer your Holdings to another Controlling Participant, or b. transfer your Holdings to one or more Issuer Sponsored Holdings. 6.3 If you do not take any action to terminate this Agreement in accordance with 6.2 above, and do not give any other instructions to us which would indicate that you do not agree to the change of Controlling Participant then, on the Effective Date, this Agreement will have been taken to be novated to the New Controlling Participant and will be binding on all parties as if, on the Effective Date: a. the New Controlling Participant is a party to this Agreement in substitution for us, b. any rights of ours are transferred to the new Controlling Participant, and c. we are released by you from any obligations arising on or after the Effective Date. 6.4 The novation in Clause 6.3 will not take effect until you have received a notice from the New Controlling Participant confirming that the New Controlling Participant consents to acting as the Controlling Participant for you. The Effective Date may as a result be later than the date set out in the Participant Change Notice. 6.5 You will be taken to have consented to the events referred to in Clause 6.4 by the doing of any act which is consistent with the novation of this Agreement to the New Controlling Participant (for example, by giving an instruction to the New Controlling Participant), on or after the Effective Date, and such consent will be taken to be given as of the Effective Date. 6.6 This Agreement continues for our benefit in respect of any rights and obligations accruing before the Effective Date and, to the extent that any law or provision of any agreement makes the novation in Clause 6.3 not binding or effective on the Effective Date, then this Agreement will continue for our benefit until such time as the novation is effective, and we will hold the benefit of this Agreement on trust for the New Controlling Participant. 6.7 Nothing in this Clause 6 will prevent the completion of CHESS transactions by us where the obligation to complete those transactions arises before the Effective Date and this Agreement will continue to apply to the completion of those transactions, notwithstanding the novation of this Agreement to the New Controlling Participant under this Clause 6. 7. Claims for compensation 7.1 You may make a claim for compensation relating to any breach of this Agreement to us. 7.2 If we breach a provision of this Agreement and you make a claim for compensation pursuant to that breach, our ability to satisfy that claim will depend on our financial circumstances. 7.3 If we breach a provision of this Agreement, you are not entitled to make a claim on the National Guarantee Fund for compensation. 7.4 You may be entitled to make a claim for compensation to ASTC under any Sponsorship Bond lodged by us with ASTC where applicable. 8. Termination 8.1 Subject to the ASTC Settlement Rules, this Agreement will be terminated upon the occurrence of any of the following events: a. by notice in writing from either you or us to the other party to this Agreement, b. upon us becoming insolvent, c. upon our termination or suspension, or d. upon giving us Withdrawal Instructions in accordance with Rule 7.1.10(c). 8.2 Termination under Clause 8.1(a) will be effective upon receipt of Notice by the other party to this Agreement. 9. Variation Should any of the provisions in this Agreement be inconsistent with the provisions in the ASTC Settlement Rules we will, by giving you not less than seven (7) Business Days written Notice, vary this Agreement to the extent to which in our reasonable opinion is necessary to remove any inconsistency. 34

Online share trading terms and conditions with E*TRADE By opening an E*TRADE account with your financial planner ( the Licensee ), you ( the Client ) agree to the following terms and conditions ( the Terms ): Account opening 1. The Client warrants that if the Client is: a. more than one person or entity, each such person or entity shall be jointly and severally liable under the Terms; b. acting as a trustee, the Client has authority to be bound by the Terms both personally and as trustee; c. a corporation, the Client holds a valid ACN or ARBN under the Corporations Act and the principal place of business of the Client is in Australia; or d. a natural person, the Client is 18 years of age or over. 2. The Client undertakes to notify the Licensee immediately of any change to its identity, address or personal particulars and the Client authorises the Licensee to convey such information to E*TRADE Australia. 3. The Client shall provide such information as is requested by the Licensee to open an account with E*TRADE Australia and shall provide such identification information as the Licensee in its sole discretion considers necessary. 4. The Client warrants and represents: a. that the information the Client supplies is accurate, complete and truthful; b. that the Client is constituted by no more than three persons; c. that the Client will be at all times in a position to meet all commitments on the part of the Client arising from transactions under these Terms; d. that the Client is not a person with whom the Licensee or E*TRADE Australia is not lawfully entitled to deal pursuant to any statute, law, rule or regulation in or outside Australia; e. that the Cash Account is an account in the Client s name. Dealing 5. Licensee acts as Agent The Client acknowledges that the Licensee acts as its agent. 6. Customs usages and practices of ASX The Client acknowledges and agrees that all orders placed with E*TRADE Australia through the Licensee are placed subject to customs and usages of the ASX, the ASX Market Rules and the Corporations Act, together with the terms and conditions set out in each trade confirmation issued in respect of each transaction. 7. Non-advisory accounts 7.1 A non-advisory account is an account, which the Licensee designates to be non-advisory, and is intended to operate on an execution only (non-advice) basis. 7.2 Clients who operate a non-advisory account acknowledge that buy orders will only be accepted where sufficient Cleared Funds are available in the Client s Cash Account or ewrap Margin Loan Account and that sell orders will only be accepted where the particular securities the subject of the order are registered on CHESS. 7.3 Clients who operate a non-advisory account acknowledge and agree that they rely on their own skill and judgment when placing an order through the Licensee with E*TRADE Australia, that they may not have completed an investor profile and that the Licensee does not intend to or may be unable to identify their investment objectives, situation and needs and does not intend any advice to be provided or to be relied upon or warrant that such advice if provided is suitable for the Client. 8. Advisory accounts 8.1 Advisory accounts may be general or personal and advice provided in respect to each account shall be treated differently. 8.2 Personal advisory accounts shall only be opened by Clients who have completed a Client profile, which shall be relied upon to identify the Client s investment objectives, financial situation and particular needs. 8.3 Any advisory account which is opened without receipt of a completed Client profile shall be a general advisory account and the parties agree that any advice provided in respect to that account by the Licensee shall be treated as general advice and it is acknowledged and agreed that such advice may not be suitable for the Client s investment objectives, financial situation and particular needs. 35

8.4 The Client acknowledges that the Licensee cannot identify their investment objectives, financial circumstances and particular needs in the absence of a completed Client profile and agrees that it is the Client s obligation to complete such profile and advise the Licensee if any of its contents change. 8.5 The Client acknowledges and agrees that it is their responsibility to ensure that they complete and that the Licensee receives a current financial profile of their financial position in the event that they wish to receive personal advice. 9. Trading generally 9.1 The Client may instruct the Licensee to deal on behalf of the Account provided there are sufficient Cleared Funds or Cleared Financial Products in the Account and such amounts comply with the requirements set out in the ewrap Investment Financial Services Guide. 9.2 All Financial Products trading transactions between the Client and E*TRADE Australia are subject to the Corporations Act, the ASX Operating Rules, the customs and usages of the ASX and the ACH and the terms and conditions set out in the trade confirmation issued by E*TRADE Australia and defined in ASX Market Rules 7.9.1(b) (i), (ii) and (iii), in relation to each transaction, and the Client acknowledges that any trade confirmation is issued subject to the matters set out in those rules. 9.3 Each order instruction provided to, or through the Licensee to, E*TRADE Australia is given with the intention that it will be transmitted to the market for execution. 9.4 The Client warrants that all orders placed and any trade conducted by it is lawful. 9.5 The Licensee and E*TRADE Australia reserve the right not to accept and/or to remove without notice any order that it in its sole discretion considers may detract from an orderly market or which it believes is manipulative. 9.6 The Client acknowledges that any order placed will remain open until cancelled by the Client, the Licensee or E*TRADE Australia in accordance with these Terms or purged by ASX Market Control. The Client acknowledges that the Licensee and E*TRADE Australia do not accept responsibility for reinstating lapsed orders or for contacting the Client to seek new instructions. 10. Cancellation of trades The Licensee and E*TRADE Australia reserve the right to cancel trades pursuant to or as contemplated by ASX Operating Rules, practices and procedures of the ASX and the relevant clearing house without the Client s consent. Execution and settlement 11. Acknowledgements 11.1 The Client acknowledges that: a. the Licensee utilises the execution and settlement services of E*TRADE Australia; b. E*TRADE Australia will include in its brokerage charge an amount payable to us for the introduction of broking business; c. E*TRADE Australia will not provide the Client with any legal, tax, financial or accounting advice or advice regarding the suitability or profitability of any Financial Product or investment and, to the extent permitted by law, will have no liability (including for any negligence) with respect to the transactions (including any diminution in value) in or for the Client, the Client Account and the Client s investment decisions; d. E*TRADE Australia does not operate discretionary accounts; e. where the Client has elected to receive trade confirmation details by electronic means only, the Client accepts the conditions set out in ASX Market Rules 7.9.1(b) (i), (ii) and (iii) apply; f. where the Client provides the Licensee or E*TRADE Australia with Tax File Numbers, these numbers may be passed on to the provider of the Cash Account, E*TRADE Australia and share registries with whom the Client holds Financial Products; g. E*TRADE Australia or the Licensee may at its sole and absolute discretion close the Account or refuse instructions to purchase or sell Financial Products on behalf of the Client or cancel any order or trade or generally prohibit or restrict the Licensee s ability to trade Financial Products in or from the Account without providing any reason for doing so. E*TRADE Australia will notify the Client of any such refusal or Account closure as soon as is practicable; h. without limiting clause 11.1(g) E*TRADE Australia may refuse to accept instructions from the Client to buy or sell Financial Products unless the Client has met the Account opening requirements set out in the Terms and in the ewrap Investment Financial Services Guide. 36

11.2 E*TRADE Australia is entitled to be indemnified by the Client in respect of any Claim or Loss suffered by E*TRADE Australia as a result of any breach by the Client of these terms and conditions and E*TRADE Australia shall not be liable for any Loss suffered by the Client as a result of the default of any financial institution or service provider in relation to or in connection with any transactions. 11.3 The Client acknowledges that certain orders at E*TRADE Australia s sole discretion may be subject to manual review and entry, which may cause delays in the processing of the Client orders. The Client acknowledges that the order will be executed at the price available on the ASX (subject to any limit imposed by the Client), which may be different from the price at which the Financial Product is trading when the Client order was entered on to the Service. 11.4 The Client acknowledges that E*TRADE Australia uses Automated Client Order Processing, which may involve the matching of the Client s order with an opposite order from another of its Clients or with E*TRADE Australia when it deals as principal. The Client agrees that where a Client order is matched with an opposite order from another of its Clients, E*TRADE Australia is entitled to charge brokerage to both parties to the transaction. 11.5 The Client authorises the accumulation and price averaging of two or more market transactions into a single confirmation/trade confirmation. 12. Electronic communications 12.1 The Client will be responsible for the confidentiality and use of any password provided to them, and agrees that they will not disclose it to any other person. 12.2 The Client agrees not to contest the validity or enforceability of Electronic Communications between the Client and E*TRADE Australia in any legal proceedings between the parties and also irrevocably waive any right to raise any defence or waiver of liability based upon the absence of a memorandum in writing or of a failure of execution. 12.3 E*TRADE Australia may maintain a transaction log consisting of a copy of all instructions received from the Client by Electronic Communications. In the event of a dispute, the log will be conclusive evidence of the details of the communications contained in it except in the case of a manifest error. To the extent permitted by law (including for any negligence) E*TRADE Australia is not liable for any Loss incurred by the Client as a result, directly or indirectly, of any inaccuracies or lack of timeliness in the information appearing on the log. 12.4 Neither party is liable to the other for any Loss suffered by the other party due to a force majeure event. 13. Payments 13.1 The Client agrees to pay to E*TRADE Australia brokerage, fees, taxes and duties notified to the Client from time to time and as they apply to all matters relating to the Client Account Application, the Account and transactions on behalf of the Client and services provided to the Client. The Client acknowledges that E*TRADE Australia is entitled to require the payment of different amounts of charges and expenses from its customers for the same services and may provide only some services to a select group or class of its customers from time to time in its sole and absolute discretion. 13.2 The Client irrevocably authorises E*TRADE Australia to deduct all amounts in respect of purchase orders, brokerage, fees, taxes and duties from Cleared Funds in the Client s Cash Account or ewrap Margin Loan Account as required for settlements or otherwise required by the ASX and ACH including brokerage (if any) payable to the Licensee and agree to reimburse E*TRADE Australia, upon request, all amounts in respect of purchase orders, brokerage, fees, taxes and duties or any other charges levied or imposed in relation to each transaction which remain unpaid. 13.3 The Client authorises the Licensee in its own right and as agent of the Client (by way of instructing E*TRADE Australia) to appropriate, transfer, credit, apply or pay monies that may be received or held by the Client or on the Client s behalf in payment of amounts that may be outstanding by the Client to the Licensee or to E*TRADE Australia. 13.4 E*TRADE Australia may appropriate any payments, credits or other sums of money received by the Client or on behalf of the Client in reduction of any amounts owing by the Client to E*TRADE Australia or by the Client to the Licensee or otherwise (including for buy orders placed by the Client), whether on the Account or any other account, and may apply monies held in the Cash Account or ewrap Margin Loan Account to discharge any liability arising under the Terms. 13.5 E*TRADE Australia may charge interest on any debit balances in the Account and any other amounts outstanding by the Client to E*TRADE Australia as disclosed to the Client from time to time. 13.6 The Client may not close any Account without E*TRADE Australia first receiving all Financial Products for which the Account is liable to deliver for sale and all funds to pay in full for all Financial Products, which have been purchased on the Account, including all amounts payable to E*TRADE Australia. 13.7 All Financial Products bought or purchased by the Client in accordance with these Terms, shall, subject to the ASX Operating Rules, be subject to a lien for the discharge of any and all indebtedness or any other obligation that the Client may have to E*TRADE Australia or the Licensee. The Client must pay E*TRADE Australia or the Licensee the costs and 37

expenses of collection of any such indebtedness or debit balance, including but not limited to, legal costs and disbursements. 13.8 Subject to the ASX Operating Rules, the Client authorises E*TRADE Australia or the Licensee to sell Cleared Financial Products, as necessary to meet any unpaid debt the Client owes E*TRADE Australia or the Licensee. 14. Settlement 14.1 Where the Client instructs the Licensee to buy Financial Products, the Client agrees to pay and authorises payment for those Financial Products to be deducted from the Cleared Funds prior to settlement. E*TRADE Australia is not obliged to transfer Financial Products to the Client where payment for those Financial Products has not been received and, until payment of all amounts outstanding from the Client to the Licensee or E*TRADE Australia is made in full. 14.2 Where a contract for the purchase of Financial Products remains unpaid, E*TRADE Australia will make a written demand on the Client to pay for the Financial Products, and, after 2 Trading Days from Settlement Date, if the Financial Products remain unpaid, E*TRADE Australia may sell Financial Products as necessary to cover the default at the Client s risk and expense and that expense will include brokerage and stamp duty. 14.3 If E*TRADE Australia makes a sale of a Financial Product at the direction of the Client, and the Client has failed to deliver those Financial Products, then E*TRADE Australia is authorised to borrow or otherwise obtain the Financial Products necessary to enable E*TRADE Australia to make delivery, and the Client agrees to be responsible for any Loss E*TRADE Australia may incur, including the cost of borrowing and/or obtaining the Financial Products and/or other property. The Client agrees that E*TRADE Australia is the Client s agent to complete all such transactions and is authorised to make advances and expend monies as required. 15. Late and corrected reports The Client understands that E*TRADE Australia from time to time receives late reports reporting the status of transactions. Accordingly, the Client will be subject to late reports relating to orders that were previously unreported to the Client or reported to the Client as being expired, cancelled, or executed. In addition, any reporting or posting errors, including in execution prices, will be corrected to reflect what actually occurred in the marketplace. 16. Confirmations, account statements, notices and other communications 16.1 It is the responsibility of the Client to review upon first receipt, whether delivered to the Client by mail, Electronic Communication or otherwise all confirmations of transactions and all statements in relation to the Account. Transactions and all such information received by the Client shall be binding upon the Client, if the Client does not object, either in writing or by Electronic Communication, within 48 hours after the confirmation or information is first received. In all cases, E*TRADE Australia reserves the right to determine the validity of Client objections to the transaction or to the information contained in such statements. 16.2 Any notice, request, demand or other communication may be made personally, by Electronic Communication or by prepaid letter to the Client at the Client s last notified address or number, as the case may be, and the notice, request, demand or other communication shall be deemed to have been received by the Client if made personally when made, if made by Electronic Communication when there is confirmation of receipt by whatever means, or if made by prepaid letter on the Business Day following transmittal or posting as the case may be. General 17. Commission disclosure The Client agrees that E*TRADE Australia may receive commissions from suppliers of information services, banking services, clearing services and other service providers in respect to the services provided under this agreement to the Client from time to time and that E*TRADE is entitled to retain such commissions for its own benefit. 18. Remuneration disclosure The Client agrees that the Licensee may receive remuneration from suppliers of information services, banking services, clearing services and other service providers in respect to the services provided under this agreement to the Client from time to time and that the Licensee is entitled to retain such remuneration for its own benefit. 19. Information The Client expressly authorises the Licensee and E*TRADE Australia to obtain reports concerning the Client s credit standing and business conduct from credit reference agencies or other sources and authorises the reporting of the Client s standing and business conduct to those agencies. Subject to clause 25, the Client authorises the use and disclosure of information provided by the Client to the Licensee and/or E*TRADE Australia to the extent required by law or any regulatory authority, to comply with these Terms and in any case where the Client gives consent. 38

20. Fees and Charges The Client agrees to pay to the Licensee on demand all fees, charges and amounts which may have been incurred in consequence of the Client s instructions or by reason of the Client s default under these Terms, the ASX Operating Rules and the Corporations Act, including but not limited to interest on amounts outstanding as determined by the Licensee in its sole discretion or brokerage at the rate of 2% in the event of any late settlements or payment. 21. General lien Subject to the ASX Market Rules and the ASTC Settlement Rules the Client agrees and acknowledges the Licensee s right to exercise a lien over all property within its possession or control or in the possession and control of E*TRADE Australia in the event of non or late payment by the Client. 22. Indemnity and disclaimer The Client agrees to indemnify the Licensee and E*TRADE Australia, their employees, contractors and agents to the maximum extent possible at law in respect of all Loss arising in any way whether directly or indirectly from the Client s conduct, instructions, orders, default or acquiescence and acknowledges that, to the maximum extent permitted by law, the Licensee and E*TRADE Australia accept no liability for any Loss of any kind for any act it lawfully completes or for any loss resulting from delay, disadvantage or misinterpretation of instructions or which may arise from the malfunction or disruption of any system or service upon which it relies. 23. Liability and indemnity 23.1 Subject to those provisions of the Trade Practices Act, the Corporations Act, the Australian Securities & Investments Commission Act and any other rights implied by law, which cannot be excluded by agreement between the parties: a. E*TRADE Australia makes no warranties, either express or implied, as to merchantability, fitness for a particular purpose or otherwise (including as to accuracy, currency, availability, completeness of quality) with respect to the goods and services supplied under these Terms, including the Service and the services provided to the Client by the Service Providers; b. E*TRADE Australia excludes all liability in contract, tort (including negligence) or otherwise relating to or resulting from use of the Service and for any Loss incurred by the Client directly or indirectly including without limitation as a result of or arising out of: i. any inaccuracy, error or delay in or omission from any information provided to the Client under the Terms including the Service and the service provided to the Client by the Service Providers; ii. any delays or failures or inaccuracies in the transmission of the Service to the Client or service provided to the Client by Service Providers, transmission of Client orders or instructions or any other communications; iii. any misinterpretation of Client orders or instructions which are unclear, ambiguous, incomplete or not specific; iv. any delay, fault, failure in or loss of access to the Service or service provided to the Client by the Service Providers or the Licensee; v. government restriction, exchange or market rulings, suspension of trading, computer or telephone failure, unlawful access to the Service or the service provided to the Client by the Service Providers, theft, sabotage, war, earthquakes, strikes, force majeure and without limitation, any other conditions beyond E*TRADE Australia s control; c. in no event shall E*TRADE Australia be liable in contract, tort (including negligence) or otherwise for any loss of prospective profits, or expenses or special, indirect or consequential damages resulting from use of the goods or services supplied under these Terms, including the Service; d. E*TRADE Australia s liability shall in any event be limited to: i. in the case of goods, the replacement or repair of the goods; or ii. in the case of services, the re-supply of the services. 23.2 The Client acknowledges that the ASX, other participating exchanges and Service Providers may assert proprietary interests in the information provided to the Client from use of the Service and that neither the ASX, other participating exchanges or the Service Providers guarantee the timeliness, sequence, accuracy or completeness of the information provided to the Client from use of the Service. 23.3 The Client agrees to indemnify and keep indemnified E*TRADE Australia and all of its officers, employees, agents, related parties and associates against any Loss incurred by them as a result of the Client s use of the Service; E*TRADE Australia relying upon and acting in accordance with any notice, demand or instruction contained in an Electronic Communication or otherwise received by E*TRADE Australia on behalf of the Client by the Licensee; or any failure by the Client to strictly comply with these Terms. 39

40 23.4 The Client acknowledges that the Cash Account into which funds are placed to enable trading using the Service does not constitute a trust account of E*TRADE Australia and that any deficiency or shortfall of moneys in the Cash Account is unlikely to be the subject of a claim upon the National Guarantee Fund pursuant to Part 7.5 Division 4 of the Corporations Act. 24. Severability If any provision of these Terms are held to be invalid, void or unenforceable by reason of any law, rule, administrative order or judicial decision, that determination shall not affect the validity of the remaining provisions of these Terms. 25. Variation and termination 25.1 E*TRADE Australia reserves the right to vary the Terms at any time and may vary the Terms or the terms of the Service by giving the Client not less than 5 Business Days notice of the variation, in writing or by Electronic Communication. 25.2 E*TRADE Australia may make a variation without prior notice where such variation is necessary to restore or maintain the security of its systems or any accounts. 26. Privacy 26.1 The Licensee and E*TRADE Australia advise that they collect information about the Client in order to act on the Client s behalf, each as the holder of an Australian Financial Services Licence. Without this information they, each as a holder of an Australian Financial Services Licence, may not be able to act on behalf of the Client, and process and complete any transactions that they effect for the Client. The Licensee and E*TRADE Australia advise they may: a. use and disclose Client information in relation to their internal administration and operations; b. disclose Client information to debt collectors, credit reporting agencies, contractors, service providers, parties authorised and/or required by law to collect Client information, and each other as disclosed in the Application or otherwise as disclosed by the Client in writing; c. use Client information to maintain their relationship with the Client (and each other as disclosed in the Application or otherwise as disclosed by the Client in writing); and/or d. use Client information for compliance with relevant legislation and regulations. 26.2 The Client may request access to information about the Client that E*TRADE Australia or the Licensee have collected and retained. Access will be granted in accordance with the Privacy Act 1988 (Cth) and they may charge a reasonable fee for such access. If any Client information is inaccurate, the Client may request that it be corrected. 26.3 If the Client is a company, and the Client has provided personal information of an officer or employee of the Client to E*TRADE Australia in respect of the Account, the Client must show this disclosure statement to its officer or employee. 27. Complaints The Client has the right to have any complaints in relation to their dealings with E*TRADE Australia as execution and settlement agent or CHESS Participant, considered in a timely manner. If the Client has any complaint about the service provided by E*TRADE Australia, the Client should take the following steps: a. Contact the E*TRADE Australia Team on 1300 658 355 and tell E*TRADE Australia about the complaint. b. If the complaint is not satisfactorily resolved, please forward the complaint in writing to the Compliance Officer at E*TRADE Australia. 28. Parties to the Agreement The Client, the Licensee and E*TRADE Australia are each parties to the agreement constituted by these Terms and each may enforce any rights it has under these Terms against any other party. 29. Definitions and interpretation 29.1 In these terms and conditions: Account means the Client s trading account with E*TRADE Australia. Application means an offer by the Client to open an Account and access the Service on the Terms. Asgard means Asgard Capital Management Ltd ABN 92 009 279 592. ASX means the ASX Limited ABN 98 008 624 691. ASX Operating Rules means the Listing Rules of the ASX, the ASX Market Rules, the Australian Clearing House Pty Ltd ACN 003 435 014 ( ACH ) Clearing Rules and the ASX Settlement and Transfer Corporation Pty Ltd ACN 008 504 532 ( ASTC ) Settlement Rules as amended from time to time. Business Day means any day which is not a weekend or gazetted public holiday in New South Wales. Cash Account means the Client s CASH Account or CASH Connect Account or any other financial institution account acceptable to E*TRADE Australia. Cleared Funds means funds available in the Cash Account for the purposes of trading (including brokerage, fees, taxes (including goods and services tax), and all other expenses payable) being the sum of funds in the Cash Account plus funds receivable from unsettled sales minus funds needed to pay for unsettled purchases and minus calculated amounts required to meet open purchase orders and minus funds needed to pay for any withdrawals and any uncleared deposits.

Cleared Financial Products means the Client s Holding of Financial Products in the Account or Financial Products in respect of which E*TRADE Australia in its absolute and sole discretion recognises the Client as the holder. Electronic Communication means any notice, instruction, demand or other communication by telephone, facsimile transmission, electronic mail or electronic data interchange (including over the World Wide Web). E*TRADE Australia means ETRADE Australia Securities Ltd (ABN 93 078 174 973, Australian Financial Services Licence No. 238277). Financial Products means financial products (as defined in the Corporations Act 2001 (Cth)) traded on the ASX and any other exchange notified to the Client or Licensee by E*TRADE Australia from time to time, interests in an unlisted managed investment scheme, Contracts for Difference and other derivatives which are not traded on the ASX or any other exchange; or any other financial product (as defined in the Corporations Act 2001 (Cth)) notified to the Client or Licensee by E*TRADE Australia from time to time. Loss or Claim includes without limitation any expense, costs, liability, claims, damages, fees, taxes, duties, penalties, interest, legal costs (on a full indemnity basis), judgment, consequential, special or indirect loss or loss of prospective profits. ACH means the Australian Clearing House Pty Ltd ABN 48 001 314 503. Service means the Client trading and information service provided by E*TRADE Australia which includes the E*TRADE Australia Internet online and telephone services. Service Providers means suppliers of information related to the Service, by persons not controlled by E*TRADE Australia. Terms means the terms and conditions of the Broker and set out herein as amended from time to time. 29.2 Headings are for reference only and do not in any way affect the meaning of the Terms. Words expressed in one gender include all genders. The singular includes the plural and vice versa. Unless the context requires otherwise, words defined in the Corporations Act and the ASX Operating Rules have the same meaning in these Terms. 41

Direct debit request service agreement This agreement sets out the terms on which we accept and act under a Direct Debit Request (DDR) you give us to debit amounts from your account under the Direct Debit System (DDS). It is additional to the arrangement under which you make payments to us. Asgard Capital Management Ltd ABN 92 009 279 592 ( we or us ), User ID: 016103, Level 38, Central Park, 152 St Georges Terrace, PERTH WA 6000. You have entered or are about to enter into an arrangement under which you make payments to us. You want to make those payments by use of the DDS. Ensure you keep a copy of this agreement as it sets out certain rights you have against us and certain obligations you have to us due to giving us your DDR. When we are bound by this agreement 1. We agree to be bound by this agreement when we receive your DDR complete with the particulars we need to draw an amount under it. What we agree to and what we can do 2. We only draw money out of your account in accordance with the terms of your DDR. 3. We do not give you a statement of the amounts we draw under your DDR. 4. On giving you at least fourteen (14) days notice, we may: change our procedures in this agreement; change the terms of your DDR; or cancel your DDR. 5. You may ask us to: alter the terms of the DDR; defer a payment to be made under your DDR; stop a drawing under your DDR; or cancel your DDR by emailing wealthview.ewrap@asgard.com.au or writing to Customer Transactions, GPO Box C113, PERTH WA 6839. You should give us at least 14 days notice. 6. You can dispute any amount we draw under your DDR by calling our Contact Centre on 1800 006 230; or emailing wealthview.ewrap@asgard.com.au or writing to Customer Transactions, GPO Box C113, PERTH WA 6839. 7. We deal with any disputes under Clause 6 of this agreement as follows. We and our bank review our respective records. If necessary we contact your financial institution to review its records. We advise you and your financial planner in writing within two (2) to four (4) weeks, depending on the nature and extent of the dispute, and the measures taken to resolve it. 8. If the day on which you must make any payments to us is not a business day, we will draw on your account under your DDR on the first business day following that day. 9. If your financial institution rejects any of our attempts to draw an amount in accordance with your DDR, we contact you and your financial planner in writing. After three consecutive rejections we advise you and your financial planner in writing that you can no longer make payments by direct debit. 10. We will not disclose to any person any information you give us on your DDR, which is not generally available, unless: you dispute any amount we draw under your DDR and we need to disclose any information relating to your DDR or to any amount we draw under it to the financial institution at which your account is held or the financial institution which sponsors our use of the DDS or both of them; you consent to that disclosure; or we are required to disclose that information by law. What you should consider 11. Not all accounts held with a financial institution are available to be drawn on under the DDS. 12. Before you complete your DDR, it is best to check account details against a recent statement from your financial institution to ensure the details on your DDR are completed correctly. 13. If you are uncertain when your financial institution processes an amount we draw under your DDR on a day which is not a business day, enquire with your financial institution. 14. It is your responsibility to ensure there are sufficient cleared funds available in your account, by the due date on which we draw any amount under your DDR, to enable us to obtain payment in accordance with your DDR. 15. We request you to direct all requests to stop or cancel your DDR, and all initial enquiries relating to any dispute under Clause 6 of this agreement, to us. 42

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Contact Centre 1800 006 230 Distributed by AMP Financial Planning Pty Ltd AFSL 232706 Level 11, 33 Alfred Street SYDNEY NSW 2000 Administrator Asgard Capital Management Ltd ABN 92 009 279 592 AFSL 240695 Provider NMMT Limited ABN 42 058 835 573 AFSL 234653 Correspondence and enquiries WealthView GPO Box C113 PERTH WA 6839 Adviser website www.advisernet.com.au Investor website www.investoronline.info NS8125 05/13

Distributed by AMP Financial Planning Proprietary Limited ABN 89 051 208 327 Australian Financial Services License No. 232706 Level 7, 33 Alfred Street SYDNEY, NSW 2000 Administrator and custodian Asgard Capital Management Ltd ABN 92 009 279 592 Australian Financial Services Licence No. 240695 Operator and Service Provider NMMT Limited ABN 42 058 835 573 Australian Financial Services Licence No. 234653 Correspondence to WealthView Contact Centre GPO Box C113 PERTH WA 6839 Contact Centre Telephone: 1800 006 230 21745 05/13