Any Potential Conflict Of Interest We May Have

Do any relationships or associations exist which might influence you in providing me with the financial services?

Product providers may provide incentives to us such as increased commissions and volume bonuses, depending on the volume of placements in their products.

We have an agreement with SECURITOR Financial Group Ltd (SECURITOR) to provide us with support services, such as compliance, training, technical services. SECURITOR is part of the St.George Bank Limited, which also includes ASGARD Capital Management Limited (ASGARD), ASSIRT and Advance Funds Management. SECURITOR provide us with an incentive to recommend ASGARD products. We pay an annual fee to SECURITOR for these services which may be partially or fully rebated to us, depending on the volume of placements our clients make in ASGARD .

For example, ASGARD may pay Austplan Pty Ltd a volume bonus depending on our total funds under management in the ASGARD master trust products. We currently receive no bonuses. These payments do not result in a fee increase to you.

Further details of the incentives, commissions and fees for each product will be provided in the Statement of Advice you receive whenever we provide you with a recommendation.

When you get our advice

Your questions and Our answers

Do I get detailed information about commissions and other benefits my adviser gets if I accept the recommendations?

Yes. When your adviser provides you with recommendations in a Statement of Advice, they will also provide an explanation and full written disclosure of fees and commissions relating to those recommendations.

Will you give me advice which is suitable to my needs and financial circumstances?

Yes. But to do so we need to find out your individual objectives, financial situation and needs before we recommend any financial products or services to you. You have the right not to divulge this information to us, if you do not wish to do so. In that case, we are required to warn you about the possible consequences of us not having your full personal information. You should read the warnings carefully.

What should I know about any risks of the financial products or strategies you recommend to me?

We will explain to you any significant risks of financial products and strategies which we recommend to you. If we do not do so, you should ask us to explain those risks to you.

What information do you maintain in my file and can I examine my file?

We maintain a record of your personal profile which includes details of your objectives, financial situation and needs. We also maintain records of any recommendations made to you. We are committed to implementing and promoting a privacy policy which will ensure the privacy and security of your personal information. A copy of our privacy policy is enclosed for your information. If you wish to examine your file, you should ask us, and we will make arrangements for you to do so.

Can I provide you with instructions and tell you how I wish to instruct you to buy or sell my financial products?

Yes. You may specify how you would like to give us instructions. For example by telephone, in person, fax or email.